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***No Response From Lloyds PLEASE HELP


Speedygrules
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Hi Im new to the site and un-sure what to do. I got my statments from LLoyds 2 months ago and to my horror OVER THE YEARS i have been charged £1400 for goin over my overdraft. I sent them a letter which i got from another site basically asking for it back and i had no responsefor 3 weeks so i wrote them a complaint letter and re-attached the original. Two weeks later i had a response " sorry to hear of you complaint" bla bla bla uwe will look into this and you will hear from us shortly. A week later they sent the same standard letter then last week they sent me a paying in book. Today i got a letter because im still OD Not by much but threatening to take ME Court! for like £100 of charges i owe but no mention of my letter to them! What do i do next? also how do i work out interest owed.

 

PLEASE PLEASE HELP!

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My temptation would be to start the court action on MCOL but others may have differing views.

 

I cannot get my head around the fact that they have sent you a paying in book-how strange!

PPMAN159

 

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Its all a ploy to get rid of you from Lloyds Im afraid. Money Claim Online (MCOL) is where you can start your claim but i would go directly to the courts. It sounds to me that before doing this you should read up on the below links, its best to get your head around it before you start the court claim.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

My suggestion, READ, READ and then read some more. You don't want to mess things up because its not clear in your head!!

 

Good luck and keep us all informed.

Neil

 

I WON £530 - See how Here: http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/65986-neil-lloyds-tsb.html

If i have been helpful, please click my scales (bottom left!)

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By the tone of their reply I very much doubt if they settle before you make the court claim but by the way they seem to operate these days then you never know.

 

MCOL is Money Claom Online and is the way that you issue a claims against your bank via the Small Claims Court.

 

For more details suggest that you read through some of the FAQ's on the site along with other posts from people who are claiming from Lloyds.

 

Good luck

PPMAN159

 

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Thanks again yes ive been reading through the site for a few weeks its justs the codes that throw me off guard MCOL etc etc!! Just to re-itterate MCOL is what i need to do to get my hard earned cash back!!?? Im on there now registerd and ready to go!

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Hi

If you are going to use MCOL, you should read this first:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Good luck, let us know if you need any help.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi I got a Letter last night from Lloyds Not sure if its standard Saying that the charges are not a penalty but a service charge? What do i do from here and do other peeps letters say that?. Should i just do MCOL? I dont see any reason in sendin letter 2 as i have waited 8 weeks for a proper response

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From submitting via MCOL it takes 5 days for the claim to be verified and served on the bank and once served they have 14 days in which to respond.

 

If they lodge a defence then they have an additional 14 days but whichever way,the clock starts ticking from the day that the claim was served on them.

PPMAN159

 

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The fee depends on what you claim. 4-6 weeks is a huge generalisation, it depends on a number of things, i just won yesterday and i started at the start of January!!

Neil

 

I WON £530 - See how Here: http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/65986-neil-lloyds-tsb.html

If i have been helpful, please click my scales (bottom left!)

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4- 6 weeks would seem to be a fair estimation but with regards to the fee then that is dependeant on the amount of the claim that is being submitted.

PPMAN159

 

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You don't have to no, i didn't as mine was for £14 so i couldn't be bothered. Use the spreadsheets here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Neil

 

I WON £530 - See how Here: http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/65986-neil-lloyds-tsb.html

If i have been helpful, please click my scales (bottom left!)

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