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Help needed - Lloyds TSB


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Hi

 

I am part of the way down the road but am confused by reading all the different threads as to my next step. I got the 6 years statements, wrote the prelim payment letter, got one reply saying they are looking into it, now I've received the next one saying :

 

"...sorry you are unhappy... we have to make charges when people done have enough money in their accounts... we're still discussing charges with the office of fair trading... yours weren't default charges as you havent broken your agreement, yours were for dealing with going over your overdraft limit... I do hope you can see that we make our charging system as fair as possible and why I can't agree to cancel your charges, I hope that this answers the points you raised..."

 

Is this a standard letter that Lloyyds TSB send out or is it specific to my situation ? What is my next step from here please ? Any help would be greatly appreciated please.

 

Tim

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It is a bog standard fob off letter that needs to be ignored.

 

Your next step is to send them the Letter Before Action(LBA) which gives them 14 days to settle the claim-if it is not settled then you will take them to court to claim back your charges and interest at 8%.

 

The letter can be found in the template section.

 

Good luck

PPMAN159

 

If this comment has helped please click on the scales.

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Brilliant, that's just the answer I was hoping for. Do they then usually settle in the 14 days or do they drag it out until the end ? Or do they make you an offer for a percentage ? So far, they seem to leave everything the last minute hoping, I presume, that we will go away.

Many thanks for your reply.

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Hi

 

I am part of the way down the road but am confused by reading all the different threads as to my next step. I got the 6 years statements, wrote the prelim payment letter, got one reply saying they are looking into it, now I've received the next one saying :

 

"...sorry you are unhappy... we have to make charges when people done have enough money in their accounts... we're still discussing charges with the office of fair trading... yours weren't default charges as you havent broken your agreement, yours were for dealing with going over your overdraft limit... I do hope you can see that we make our charging system as fair as possible and why I can't agree to cancel your charges, I hope that this answers the points you raised..."

 

Is this a standard letter that Lloyyds TSB send out or is it specific to my situation ? What is my next step from here please ? Any help would be greatly appreciated please.

 

Tim

 

as PPman said, standard response, take a look here at the step by step guide so you know what to do next

 

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

:D Actions in progress

Natw West on hold pending test case

LLoyds claim 3 on hold pending test case,

 

:lol:Claims Settled

LLOYDS TSB x 2 WON,

MBNA WON,

A&L WON,

GE Money x 2 WON , c

o-op visa WON, capital one visa WON,

Halifax (o/h) WON,

capquest, WON

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Thank you all for your replies.

 

One question, do I still start the LBA with "I am very disappointed that you have failed to respond to my letter..." when they did respond but not the way I wanted them to ?

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