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miss_angie1 v LloydsTSB


miss_angie1
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I've been reading these boards for awhile and picking up loads of great tips and advice regarding claiming back unfair bank charges and have decided to start a new thread to track my own progress.

Steps taken so far:

10.03.06 Sent DPA letter and received statements about 3 days later (no charge)

20.03.06 Sent preliminary request for repayment of charges £345 + overdraft interest.

23.03.06 Received standard response saying they won't pay back charges, must keep account in line etc....

03.04.06 Posted letter before action recorded delivery to Recovery Services department who sent me the standard letter and copied in my branch.

05.04.06 Received second letter from Lloyds refusing again to repay charges which states:

 

"Unfortunately, I am unable to add any further information to my letter dated 22nd March 2006, although I do respect your opinion about our charges.

 

This letter is the banks final response, which means that if you remain dissatisfied you may now refer your complain to the Financial Ombudsman Service."

 

I am going to file my claim just need to know from others who have already done this process whether I wait 14 days from my last letter now that I have received the response or can I make the claim immediately following their refusal?

 

I just want to make sure I follow every step correctly so that I don't get tripped up later down the line.

 

Any advice much appreciated!!

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I asked the same question.

 

If that is their response and they have stated they have nothing to add, then they have made their position clear, so no need to wait 14 days.

 

You are giving them in effect upto 14 days, and they choosen to repond sooner, put the claim in.

 

Good luck, I've just put in my LBA, so I hope they repond to mine as quickly as they did yours and don't forget to add the 8% interest as well.

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I've got a claim going against nationwide as well, and you do keep wondering if your the one they'll go to court with, but you just need to keep reading the forum and posting your progress, people are very supportive and helpful.

 

At the end of the day it's your £400.

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I've been reading these boards for awhile and picking up loads of great tips and advice regarding claiming back unfair bank charges and have decided to start a new thread to track my own progress.

Steps taken so far:

10.03.06 Sent DPA letter and received statements about 3 days later (no charge)

20.03.06 Sent preliminary request for repayment of charges £345 + overdraft interest.

23.03.06 Received standard response saying they won't pay back charges, must keep account in line etc....

03.04.06 Posted letter before action recorded delivery to Recovery Services department who sent me the standard letter and copied in my branch.

05.04.06 Received second letter from Lloyds refusing again to repay charges which states:

 

"Unfortunately, I am unable to add any further information to my letter dated 22nd March 2006, although I do respect your opinion about our charges.

 

This letter is the banks final response, which means that if you remain dissatisfied you may now refer your complain to the Financial Ombudsman Service."

 

I am going to file my claim just need to know from others who have already done this process whether I wait 14 days from my last letter now that I have received the response or can I make the claim immediately following their refusal?

 

I just want to make sure I follow every step correctly so that I don't get tripped up later down the line.

 

Any advice much appreciated!!

 

Hi

have you had replies from your branch ?

 

Krystyna

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I initially wrote to my branch and they forwarded my request to Mandy Horton in the Birmingham Recovery Sercives department. They only wrote to me a standard letter to say that my letter was being dealt with by another department. I haven't heard anything from my Branch since.

I'm going to complete my claim today so will keep you all posted.

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Okay claim is now filed for a total of £460.34 including the £50 court fees

Roll on 14 days....

It will be great if they don't reply to my claim but I have a strong feeling that they will. Right I'm going back to reading up on the What next section of the Hmcourts website!!

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Hi miss_angie1

 

At least you got one reply albeit the standard one.I posted my claim to the court,just phoned them now it will be served on Monday.The girl at the court said they were very busy, I can see why lol.All steam ahead now.Good luck with yours keep us informed with the good news.

 

Best wishes

 

Krystyna

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Claim Number 6QZ22841

Quick update I recieved my Notice of Issue from moneyclaim today which states that Lloyds will be served on the 12th April and that they have until 26th April to reply so watch this space... I will let you know if and when I hear more from Lloyds soon!!!

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Fortune favours the brave Angie.. keep us informed..

"BA Group. The World's favourite CA Group"

 

HSBC 2 claims amalgamated. £1195. settled in full prior to filing claim.

BARCLAYS settled in full 2 days prior to submission of defence by Barclays

CAP ONE settled in full on day 14 of LBA (£210)

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I'm about to start the process of claiming back my charges with Lloyds as well.

 

Good Luck.

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=4190 - Rjh v Lloyds Tsb.

Dpa Sent (13/04/06).

Statements Recevied (04/05/06).

Preliminary Letter Sent £775 owed! (12/05/06).

Received Standard Reply from Lloyds. (17/05/06).

Posted LBA (31/05/06).

Received Lloyds "Final Response" Letter (03/06/06).

Filed Claim with Moneyclaim for £775+£192.19 interest. (21/07/06)

Lloyds defend claim (23/08/06)

**Lloyds pay up, at last. £1078 (14/11/06)**

 

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Claim Number 6QZ22841

Quick update I recieved my Notice of Issue from moneyclaim today which states that Lloyds will be served on the 12th April and that they have until 26th April to reply so watch this space... I will let you know if and when I hear more from Lloyds soon!!!

Looks as though we're on exactly the same time scale Angie. I got a letter yesterday with the same dates on. Wouldn't it be wierd if we ended up at the same court.

 

All the best. Let's get our money back.

 

HD

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Thanks for all of your support guys. Have you got a thread going too HD? I will keep track of yours too as we should hopefully get the same FAVOURABLE response for our claims at the same time!!

See you've found it:D

I'm expecting it to be on the steps of the court. We should hear what they intend to do soon.:D

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Quick update - I have received a Notice that Acknowledment of Service for my claim has been filed. It states that Lloyds intends to defend all of the claim. They now have 28 days from the 13.04.06 to file a defence so watch this space....

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  • 2 weeks later...

The way I understand it, you should shortly recieve a Court Allocation Questionnaire, and as outlined in the FAQ:

 

Fill this in (very simple and very quick) and return it to the court (you must do so within 7 days of receiving it). Pay any additional fees (mentioned earlier) at this point. Send a photocopy of the questionnaire to the bank - it is debatable whether you need to do this or not, but it's better to be safe than sorry over the price of a stamp.

 

The FAQ goes on to suggest that the Bank will more likely than not fold before they actually come to defend their case. However, the court will then set a date. You're best off reading through the related threads here.

 

Hope this helps some!

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Okay I've received my Court Allocation Questionnaire which has to be returned by 27.05.06. Must admit getting a bit nervous now but am still prepared to take it the whole way. I am seriously out of my comfort zone now. eek!!!

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Chin up Angie, just keep it in mind, you are in the right, the banks are not !!

Data Protection Act Request sent 22nd April 2006 (recorded delivery) to Penny Berryman 40 days up on 1st June 2006.

 

Statements recieved 5th May 2006

Claiming back = £3913.65

 

Preliminary Letter Sent 5th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 9th May

 

Letter Before Action Sent 9th May (recorded delivery) to Customer Care, Birmingham. Told me to sod off on the 12th May

 

Moneyclaim filed issued 6th June (14 days to reply) Time up on 20th June.

 

Acknowledged 15th June (28 days to defence)

Time up on 13th July.

 

Defence Recieved 7th July

 

Going Before the Judge 15th September

 

Court Date 5th December

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