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Loydstsb has my money


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On 4th April I received lloydstsb's standard reply that they haven't been making penalty charges, rather they've been charging for the "service" of allowing me to exceed my overdraft limit (blah blah blah...)

On the 18th I sent a LBA quoting s 4.21 of the OFT report re "disguised penalties". No reply. So my next step is to go to court. I looked through CAG's Particulars of Claim template but it refers to alleged breaches of contract etc resulting in penalty charges.

HOWEVER, the letter from lloydstsb goes out of its way to say I wasn't in breach of contract- their £35 a time charges were for their alleged "services" in letting me go over my limit.

MY QUESTION is: should I use this CAG template for my claim? OR can anyone give me the wording they used in a successful claim against people? icon5.gif

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