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My First Claim vs Lloyds or Claiming For Dummies


hoyleg
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Hello all!

 

I've been reading through all the posts on this forum and have decided to have a crack at reclaiming various overdraft charges (and perhaps interest if my brain can handle it) and late payment charges for my current account and credit cards.

 

I have all my statements since day dot (minus a few that have escaped but I think the total will be sufficiently impressive without them!) and will be adding up how much I have been scammed out of over the weekend.

 

However, one thing still niggles at me - Lloyds changed their o/d charging by dropping it to £12, I believe this figure was deemed acceptable by somebody, somewhere, although this is a fact I noticed only in passing before I seriously considered making my own claim. Should I be claiming for these charges as well or have they managed to cover their backs?

 

Also, I seem to recall reading somewhere (again, there's a lot of info on these pages so I can't find the reference) that the 6 year limit is invalid now and that you can claim back as far as you like. Is this fact or fiction?

 

Thanks for any help in advance and a merry Wednesday to all

 

:)

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Hello and welcome to CAG

 

:)

 

Hello all!

 

I've been reading through all the posts on this forum and have decided to have a crack at reclaiming various overdraft charges (and perhaps interest if my brain can handle it) and late payment charges for my current account and credit cards.

 

I have all my statements since day dot (minus a few that have escaped but I think the total will be sufficiently impressive without them!) and will be adding up how much I have been scammed out of over the weekend.

 

However, one thing still niggles at me - Lloyds changed their o/d charging by dropping it to £12, I believe this figure was deemed acceptable by somebody, somewhere, although this is a fact I noticed only in passing before I seriously considered making my own claim. Should I be claiming for these charges as well or have they managed to cover their backs?(YES, it still hasnt been proven how much it ACTUALLY costs to send a computer generated letter etc, and i am betting it wont be £12)

 

Also, I seem to recall reading somewhere (again, there's a lot of info on these pages so I can't find the reference) that the 6 year limit is invalid now and that you can claim back as far as you like. Is this fact or fiction?(FACT - Although going over the six year period can make to process a little more complicated)

 

Thanks for any help in advance and a merry Wednesday to all

 

:)

 

My advise would be to read, read and read some more. Here are a couple of links to get you started.

 

 

 

 

 

XxXxX

 

If I have been helpful, PLEASE click the scales

 

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

I WON !!!!

 

 

 

 

 

 

DONT LET LLOYDS PRESSURE YOU INTO THROWING IN THE TOWEL !! THEY MAY HAVE HAD ONE VICTORY, BUT WEIGH IT UP AGAINST THOUSANDS OF SUCCESSFUL CLAIMS !!!

  • Haha 1

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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Wow, speedy response!

 

Thank you for the kind welcome, it's good to be here! Also thank you for the links, particuarly the last one, I shall peruse them in detail.

 

I think then that I'll invest in a set of highlighter pens and put the kettle on :)

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