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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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1ManRiot Vs Lloyds TSB: Next step


1ManRiot
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I am attempting to claim back £1200 worth of bank charges from the last 6 years with Lloyds TSB. I acquired the statements, highlighted the charges and sent them to the relevant place, along with a letter stating how the charges are illegal and so on and that I want them back. (As per advice and templates on the BBC link below).

 

I have just received a letter, which appears to be a generic one rather than personally written for me, fobbing me off with "Like any business we do make a charge for some of our extra services..." and so on and thats it!

 

Now the BBC website below, suggests that if you are not happy with your response then you should persue it with the small claims courts.

 

What do you think, persue it? The letter appears to be very dismissive, working on the assumption I probably won't bother to chase it.

 

http://news.bbc.co.uk/1/hi/business/6170209.stm

 

Thoughts, advice and opinions please.

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Please use the templates and step by step instructions as laid out on this site and you won't go wrong! The letter you have received to your Prelim sounds the standard fob off one and you should now send your LBA (Letter Before Action) giving them 14 days before you start court action. Attached to your letter should be a full schedule of all charges, dates and charge descriptions (do not just send in copies of your statements as they will probably put you at the bottom of the heap if they feel you do not know what you are doing!). I have followed the guidelines on this site which are tried and tested, and have today received a settlement before completing an AQ so it does work! Shout if you need more help.;)

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Thats right 1Man,

 

Use the advice on this site and you wont go far wrong just look at the post people are getting their money back left right and center by following the info on here.

 

Keep going you will get it back

 

 

Oyster

If i've been helpful in any way....then tip my scales over there!

MCOL Filed 26th Feb 07

:-)

Defended 26th March 07:rolleyes:

PRT @ Cambridge 13th July 07:wink:

1st May Full Offer:grin:

Cheque arrived 16th May8)

 

 

 

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  • 2 weeks later...

Just before I send this letter, I am attempting to claim my full bank charges (I.E. £30 each charge), or the charge minus the "fair" £12 (so £18 each charge).

 

Thanks again.

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claim it all riot-dont forget overdraft excess charges too-you can claim for almost everything cept odraft interest

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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oh and you cant claim standard rip off charge that lloyds put on for MANAGING your account-thats a laugh-they couldnt manage a ........

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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To best of my knowledge you cannot claim fees, i.e. monthly fees for the privilege of having the account.

 

However, if the entry says CHARGE you can claim it.

 

Others should confirm this.

 

Please double check.

 

Gladstanes

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Thanks, I'm a week later than the 14 days, but I'm going to post off the letter before action this afternoon. They have just served a default notice on me for the £300 over the £1000 overdraft limit (all a result of charges) so I need to get my act together and get it resolved ASAP.

 

I feel like I'm doing something wrong for some reason!!

 

Thanks for responses guys, great forum.

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This is the letter I have written for them (based on template given above)

------------

---------------

-----------

------------

-------------

Lloyds TSB Bank plc

(Local branch)

-------

-------

--- ---

Friday, May 04, 2007

Dear Sir/Madam,

RE: Account Number: ########, Sort Code: ##-##-##

Due to recent media coverage on bank charges I now believe that you, Lloyds TSB have been charging me charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation.

I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd versus New Garage and Motor Co Ltd [1915] AC 79 along with Murray versus Leisureplay [2005] EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

Furthermore if you fail to comply with this letter, I request without further notice a breakdown and proof of all costs involved, in regards to your actual or liquidated losses involved in any breach of contract to which these charges relate with yourselves, and that these charges reflect your true costs in relation to the said charges, and are proportionate to the charges levied on my account as defined in Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e).

Therefore I require you to refund me a total of £1233.00, representing the total, unlawful amount charged during the last 6 years.

I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs.

I also hereby request a detailed report of which clause in your terms and conditions each charge has been applied against.

Please find enclosed a copy of the statements highlighting these charges.

Yours sincerely,

Rob ##########

That sound ok??

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oooh-a man who means business rob-good luck-i'm still counting my 40 days-seems endless-ju

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Letter is fine, I would not go to the trouble of sending the statements.

 

They do not read these letters properly anyway, they just send out generic response nonsense.

 

For the next stage:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

If I have been helpful please click on my star and add a comment.

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Letter is fine, I would not go to the trouble of sending the statements.

 

They do not read these letters properly anyway, they just send out generic response nonsense.

 

For the next stage:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Cheers, I'm hoping it won't come to that ^^ :(

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It will come to that, I have not known Lloyds to settle prior to court, save with the smallest claims - which yours is not one of.

 

Be prepared for a long drawn out affair, 2 months at least, some run to 9 months. You should get your money back before Christmas (2007) though.

If I have been helpful please click on my star and add a comment.

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To best of my knowledge you cannot claim fees, i.e. monthly fees for the privilege of having the account.

 

However, if the entry says CHARGE you can claim it.

 

Others should confirm this.

 

Please double check.

 

Gladstanes

 

Hmmm, could you not approach the account maintenance fees issue on the basis that they have a contractual duty to operate your account properly and having not done so should not be charging you for the service?

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  • 4 weeks later...

Its been 14 days since posting the Letter Before Action, I received one letter from my local branch to which I posted it that it had been passed on to the relavant department but it looks like I'm not going to get a response. Time to move onto step 4.........I'm really not enjoying this!!

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i'm not far behind you riot-plod on-you'll get there

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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