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Hi - I have only just registered and am new to the consumer action group.

I am attempting to reclaim £4300 from Lloyds TSB over 3 accounts. I already have my account statements and have requested that they reimburse me this amount. I received a bog-standard, presumably automated letter back which basically says 'no you are not having your money back, it's tough poo!' They even offered to provide me with details of the financial ombudsman.


I have now sent my 3rd letter giving them 14 days to reply and make me an offer or I am taking it to court. The 14 days is up tomorrow and still nothing.


Since going through this process they have closed 1 of my accounts with no notice, I owe £500 overdraft on this account plus they are trying to reclaim another £670 pound in charges!! (can you believe it when I am fighting for them to return previous charges?) I have since received threatening letters from a debt collector claiming they are trying to recover this full amount on behalf of their clients (Lloyds)


What should I do next? When should I start my court proceedings and should I inform the bank via another letter that this is my full intention?

I am quite prepared to stand up for myself and fight this. I don't earn mega bucks and have struggled in the past with day to day living. I have contacted the bank in the past to request their assistance basically to be fobbed off.


Can anyone provide me with the above answers, it would be much appreciated.





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Thanks for the reply, I thought as much. I've drafted a letter to the debt recovery company explaining the whole saga. I just hope this stops the letters/calls & threats to send bailiffs! I am terrified. I am on my own most evenings and dread a knock at the door.


I will repay the overdraft money once all this is resolved, until then though I do not want to give in.


I will wait til tomorrow then onto the moneyclaims webiste to log a small claims case.


Should I write to Lloyds again telling them that this is what I am doing or simply log the claim then take it from there?



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Guest louis wu

If your last letter said that you would commence action without further notice, then you are free to start your claim without any further correspondance to them.


Whilst this is on-going, have a good read of the FAQ's and the step by step guide. The court system is not hard, but mistakes can be made. If you research it now, it should easy some of the anxiety later.


Good luck



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Same letter from Lloyds TSB as we got this morning. I think we are going for court action now. Do you have to send them another letter informing them you are going for court action as we said this in our previous letter.?

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Guest louis wu

Brookside, have a look at the step-by-step instructions, the whole process is set out there.



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