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Holly_Hawk vs Lloyds


Holly_Hawk
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Yikes -- here goes.

 

Letter 1 sent.

 

Customer Service Recovery Centre have come back with the with a " The charging system is fair... so we can't cancel the charges" letter.

 

Letter 2 - LBA to be sent so I have got the template:

"which includes £xxxx which you have charged me in overdraft interest for the sum which you have taken."

 

Can anyone advise me on how to calculate the interest.

 

I didn't include this in the first letter to lloyds and after hunting around the forum I am still confused.

 

Also forgive me if I am being very stupid, but I totalled up all items from my statement marked CHG (O/DRAFT interest) and FEE (ACCOUNT CHARGE). Was this correct?

 

Thanks in advance.

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Yikes -- here goes.

 

Letter 1 sent.

 

Customer Service Recovery Centre have come back with the with a " The charging system is fair... so we can't cancel the charges" letter.

 

Letter 2 - LBA to be sent so I have got the template:

 

"which includes £xxxx which you have charged me in overdraft interest for the sum which you have taken."

 

Can anyone advise me on how to calculate the interest.

 

I didn't include this in the first letter to lloyds and after hunting around the forum I am still confused.

 

Also forgive me if I am being very stupid, but I totalled up all items from my statement marked CHG (O/DRAFT interest) and FEE (ACCOUNT CHARGE). Was this correct?

 

Thanks in advance.

 

 

Mmmm no.

 

Ok you can not reclaim the account fee as it is a fee for a service. The OD, the only part you can reclaim is the amount that is a direct result of a charge. There are spreadsheet in Vamps chamber which will calculate this for you, however if you are unsure I would leave this out.

 

Please have a read through the step by step instructions and the FAQs these are your guide.

This is what you can reclaim.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=6

  • Haha 1

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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