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Sally v's Lloyds TSB

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After months of reading the various forums ( CAG and MSE) I finally have decided to go ahead with persuing Lloyds on behalf of my husband for the rediculous charges they applied to his account between 2002 and 2004.


So far things are going fine. I requested the copy of all charges and they responded after exactly 40 days! They deducted £10 out of my husbands account. Please be aware they missed off some later months, but as it happens I had kept the original statements. This may just be a genuine error or it could be a stalling tactic as had I not kept them I would have had to write back again... (Suspicious, moi!?)


I then sent my first request for a refund on 13/4/07 and am currently waiting for Royal Mail on line to catch up and confirm that my recorded

delivery letter has been delivered.


I have a questions if anyone can help?


Judging by what I have read so far I am fully expecting Lloyds to draw this out, If it does ever get to court will I be able to claim for my travel expenses? The reason I ask is that we are currently stationed with the military in Germany so a court appearance is going to be quite costly....


I look forward to reporting my progress...



The story so far...

28-2-07 Copy statements requested

10-3-07 (Partial) Copy statements arrived

13-3-07 Prelim request for refund posted (recorded delivery)

19-3-07 Royal mail finally get round to deliving Prelim letter :mad::???:

01-05-07 First 'sod off' letter received from Lloyds

4-05-07 LBA sent out

Nasty Lloyds couldn't bother to respond so....

25-5-07 MCOL submitted

30-5-07 Claim issued

27-6-07 Defence filed

09-07-07 Lloyds Solicitors offer to settle (albeit with incorrect interest figure)

16-7-07 Letter to Lloyds sols refusing incorrect figure but agreeing to settle with correct figure

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It is very unlikely that they will go to court over bank charges. If it does go that far then you can claim expenses if you win your case.




Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Hi Sally.

Welcome to the forum.


Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.




Templates Library....

If you have charges going back further than six years read in here;


There is also live chat, visit if you need any quick advice.


Finally good Luck.



If my advice helps please tip the scales, left.

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