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Tryster Vs LloydsTSB


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Thought it's about time I posted. Up until now I've progressed using the resources and advice on this site.


I'm helping my Dad to reclaim his charges, which I only really learned of as a result of my Mum going into Intensive Care in January. Whilst hanging around and chatting to my Dad we somehow got onto the subject of charges, and he'd told me about some of the charges he'd had in the passed.


I have to say I was shocked and somewhat angered. There are some months where the charges were in excess of £200 (including one month of over £400)!!! All this at a time when my Dad was only bringing home a little over £1000 a month... How the hell does a supposedly responsible financial institution think that is a fair, lawful or reasonable action to take?


Anyhow enough ranting. Up until now these are the steps:

  • 2 Feb 2007: SAR
    • Majority of 6yrs of statements returned reasonably quickly.

    [*]22 Mar 2007: Prelim lettter & schedule detailing nearly £4700 of charges (I'm not claiming o/draft interest or anything. Just the charges).

    • Standard 'we'll get back to you in 4 weeks' letter, followed by another 'last 4 weeks wasn't enough can we have another 4 weeks' letter.

    [*]10 Apr 2007: LBA again attaching the same schedule as with the prelim letter.

    • Standard 'sorry you're not happy but our charges are fair so get stuffed' letter.

    [*]8 May 2007: MCOL claim accepted. Submitted schedule (via email and post) for original value + interest.

Thus far I've paid all costs as my parents are not exactly well off (neither am I, I hasten to add; but I'm in a better position than they are), and although any money we get back will be extremely helpful for them I'm more concerned with trying to make the point that we can't let organisations continue to treat people in the way they do with no regard for the consequences of their actions. Luckily before I submitted the MCOl claim I did ensure my Dad was willing to go to court if it came to it, which he was/is... This is very relevant especially as we live in the Birmingham area!!!


Anyway, I must admit even with all the reassurance I'm a little nervous; it just seems such a 'big' thing to be doing, but it's something I do want to see through to the end.


Thanks for reading




PS Does anybody have any T&Cs from Lloyds TSB going back to the early to mid 90s? I only have access to a very recent set, and my Dad doesn't seem to be able to find any of his...

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A belated update to the situation.


  • 21 May 2007: Acknowledgement filedby SC&M
  • 15 Jun 2007: 9 point defence filed by SC&M so case to be transferred to Birmingham County Court

Now we're just waiting to hear from the court with further instructions.


I'd be interested to know if Lloyds have recently settled prior to the court date for anyone who was due to be heard in Birmingham County Court?





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