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Lloyds tsb islamic account charges


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Dont know if anyone can help. I have lloyds tsb islamic account i dont get charged interest and dont get paid it either. I recently got slapped with 2 charges:


Un paid Direct debit £35

Un paid standing order £35


both were out by 1 day as soon as i realised i put the money back in. I have started to put together a Preliminary Approach for Repayment Letter my only concern is that they will try to justify the charges due to type of account. Has anyone else been in similar situation to myself? Many thanks

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The account type is irrelevent.



Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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  • 1 month later...

Ladies & Gentleman,


Just to update you got my money back :D many thanks to all. I got a little worried after i didnt hear anything for over a month then there was the bbc article where lloyds had succesfully contested one claim.


Anyhow many thanks to all.

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