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A few Q's before I go for it!


sophieedmond
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Hi

 

I sent a letter to Lloyds TSB on 9th March based on a template I got from moneysavingexpert.com quoting 3 cases namely:

Murray v Leisureplay (2004)

Dunlop v New Garage (1915)

Bridge v Campbell (1962)

 

The letter was sent to the Collections Centre at Brighton where the debt has ended up.

 

They responded on 22 March with copies of bank charges & the info came from the Service Recovery Centre in Birmingham. Total of charges is approx £1400. I also have a Lloyds credit card that I am being hassled for as well.

 

My questions:

1. Are the charges in question, charges for overdraft interest/overdraft excess fees as well as unpaid items?

2. Should the interest be calculated per charge i.e. 26/09/01 £5.00, 02/01/02 £0.22 etc. and then added up?

3. Can I include my late payment charges etc. from my Lloyds credit card in this claim?

 

I know it's been a while but I am now spurned on by everybody out there going for it!

 

Thanks

Sophie

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