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HELP! How do I Sort this out?


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I wrote to lloyds asking for my charges to be reimbursed.at the end of February this year. My reply came 4 weeks later and was very patronising and insulting and claimed that even though the bank statement called them overdraft excess fee and unpaid direct debit fee that these charges were for services i had requested.The reply also gave me a detailed explanation of how to check my account balance at an ATM machine. I have had an account with the tsb as was for 24 years yet this patronising prat tells me that when I opened my account I should have received a detailed leaflet of all charges as this is a common practice with all new customers. It is highly likely that my years at the bank far outway his and he has the audacity to insinuate i am some kind of imbercile and make any negotiation impossible as it feels he has made if feel like a personal dig at myself. when the only problems i had started when lloyds tsb staff started to advise me.

:evil: Give me some idea of what to do next as any form of letter could end of in a personal slanging match?

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Guest ChloeJane

Hi There!


I don't blame you feeling like you do!


No more playing nice!


Right to the letter before action and show them you are serious!


I would send them the letter before action which gives them 14 days.


A link is here.3. Letter before action - Consumer version - asking for it back


Send the letter off and wait the 14 days!


You can choose to wait for them to contact you as in their letter, it depends on whether you are pro active or re active to how you deal with them.


If you send the letter off, spend the time till they reply reading up on how to claim via the court and read into which way you might claim.


Money claim online


5. Money Claim On-Line (MCOL) Particulars of Claim


N1 at your local court.


4. Particulars of claim - N1 - hard copy version


You may also like to read up on fees and if you have to pay them!


You can apply for an exemption through the court when you file your claim so it is worth a read and if in hardship, worth applying.


http://www.hmcourts-service.gov.uk/H...fl ets_id=172


That should keep you reading and informed for the next step after the letter.


Good luck and if you need help look me up in the chat room!

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Hi Jaeh38,

Welcome to the forum,


Basically you have got your first fob off letter.Just follow the instructions in the templates library, stick to the timetable in there and you will get your money back.

Here is a link to start a thread in the TSB forum.


Title it,

(your user name) V (banks name)

Other members with experiance of your bank can offer informed advide.

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

please take time to read the faq's




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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jaeh38 do as the previous posters have said. I know patronising letters from the bank are annoying but the thing to do is not get mad, get even. You will come to enjoy watching them squirm.






Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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