Janner v LloydsTSB

[Janner549]

Hi

Just found this site.

I obtained 6 years of Statements on two Accounts that I have with LLOYDS TSB,have just given Letter into LLOYDS TSB (own Branch)for £4895.00 approx, that was on 2 MAY2007, made sure that staff opened the Letter and stamped it having received on that day.

Found out that I could only claim charges and not Interest Fees on overdraft or Account management charges....is this correct?????????Although this was not the total I had worked out above.

Trouble is I am now worried that with the large overdraft that I have got .........this has increased as they kept putting charges on me......that they will close my Account and ask for everything back!!!!!!! Does ANY-ONE know if this has happened as I am silently shaking in my boots and really scared:shock: . Would appreciate any guidance and advice.

Thanks

[BARTY]

Hi & Welcome!

You can't claim monthly Account fees, eg for a Select or Gold etc account. You can't claim all of the o/d interest. Everything else is claimable really.

They don't usually close accounts, but it has been known on the odd occasion.

Good luck, give us a shout if you need any help.

Barty:)

[Janner549]

Have just received a letter from Lloyds TSB saying 'that they are fully justified in charging................blah blah blah.'

So now I am sending them a Letter threatening with the Small Claims Courts.......now I am REALLY shaking in my boots!!!!!

Lets hope we don't have to go that far.

[nicsussex]

Unfortunately the chances are that Lloyds will make you at least issue a court claim - they will probably then issue a defence and give you the run around generally - and then right at the last moment - they will settle your claim - you just need to be aware of the fact that this is a game that they play in order to try and put you off - stick to the timescales and advice on here and you will prevail

[Janner549]

Hi nicsussex

Thanks for the advice and encouragement...............now lets see what happens only time will tell !!!!!!!!

Janner

[Janner549]

Hi,

I received a letter from LLOYDS TSB stating that the charges were for ' charges for extra services' blah blah and so it goes on....

On the 16th May2007 I sent a letter ( sorry don't know the correct title) to LLOYDS TSB asking for all my Bank charges back including a break down of charges adding 8% interest shown on two accounts.........

1) Is this the letter in which thet (LLOYDS TSB) have 14 days in which to reply???

2) Can anyone tell me what the next stage is (please in simple terms) as to what I have to do next?????

3) still having difficulty in opening up a 'parachute account' due to running a business have tried 3 Banks in my local area but no luck!!!!

[broke dave]

Yes they have 14 days to reply. It is then onto the court stage (this is your second letter isn't it?)

All the info you require is on here. If you get stuck, just ask.

[Janner549]

As I understand it then the 1st letter asking for the break down of charges was just to gain the info had to be replied within 40 days,2nd letter I sent was then informing them that I wished to get back ALL the Bank Charges to which they have declined to return any Bank charges to me. I have now sent on the 16th May a letter stating that the refund of ALL charges to which they now have 14 days to comply with and refund, after the 14 days is up I must then start Court proceedings??????

[broke dave]

Yes. Did you use the letters from this site?

[Janner549]

Sorry used ones from moneysavingexpert .com ( sorry if I have upset anyone) but that is where I first noticed the Letters, I will be making a donation to this site (when I win). They must be the same format as Martin Lewis does mention this site aswell:) .

[broke dave]

I did the same. The letters on here are far better. You should follow all the advice on here from now on. This is really important at the court stage. I would also advise you to use the schedule of charges from here.

[Janner549]

Ok thanks for the advice broke dave.

Not being to hot on pc I think I will just have to take it slowly to find out at every stage what I have to do.

Court stage is making me apprehensive as I am worried that they will close my accounts down therefore making me in effect 'penniless' .

Have added the charges to my statements at 8% is that Ok???????

[Janner549]

Well the date for Lloyds Tsb has been and gone, I was (haha) expecting a reply back on the 31st May but nothing......have even given them couple of days grace to allow for the post but nothing!!!!!!

Now I have to take it a stage further could someone please assist in this pointing me in the right direction. Would be very grateful.

 

Janner

[BARTY]

Hi

Have a read of these links to help you with your Court claim:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html POINT 6

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

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

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

Barty:-)