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Really worried.Please help!!!


Cheryl Beal
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I have an agreement with Lloyds TSB to repay my loan and overdraft at a reduced rate.This will be reviewed in six months.

 

I am really stressed out now. When/if Lloyds pay back my charges can they immediately reclaim them to pay off my loan and overdraft.I am at a total loss as to what do do and am feeling so ill with worry.

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Hi cheryl Beal, and welcome,

 

Just going to give a quick response to show you are not alone, and please stop worrying, the sun is shining, enjoy,:) .

 

Someone will be along soon who is in the same situation as you, and will be able to answer your worries.

 

Is your account still open? Have you got another Bank account?

 

Just gonna see if I can find any relavent links for you.;)

  • Haha 1

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Thanks remus,yes my account is still open.I haven't got another account but saw on here that it is recommended.

 

Thanks for your words of reassurance Yes it is a beautiful sunny day,and I'm sure somone will be along soon!!:)

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Ok brain cells are ticking over,

I have read that the banks may call in your OD, but as you are already in agreement with them, that should stand.

 

I defo recommend opening another account then you can request payment in cheque, you will find the letter you need in the libary.

 

I am wondering as you have an agreement set up if LTSB can divert the funds against the OD/loan again someone with more knowledge will come along:)

 

As you are doing read read and read some:p more, the answers are out there, and you are not the only one in this position.

 

Happy claiming:D

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Hi Cheryl,

I think i have read here somewhere that if you have an agreement in place then they cannot just take your bank chargers to repay it, what you have to be careful of though is that in six months time they will try to offer you another loan to consolidate this one which is never a good thing. If you can stretch the agreement out longer and ask them to stop the interest this may be the way forward with the loan, a good Idea would be to go to CAB and ask them to write to Lloyd's on your behalf.

As to the chargers I would do as Remus has suggested and read all you can from the FAQs you will get all the information your need a long with all the templates from there, just follow the instructions and you won't go wrong. Ilike Remus I'm not the best person to help as i do not know how to do all the links to various pagers which would help you, but keep at it keep us all informed of your progress and if you come across any stumbling blocks just shout, someone will put you back on the right path.

Good luck

Pen

  • Haha 1

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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thanks Pen. This is the first time I've posted,but wish I'd done it sooner.What lovely people!!I've scoured the library section but can't find the letter linus was on about.I'll keep looking though.

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stop searching, duff info:eek: I was thinking of letter of appropriation,ie: if you had benifits going in, to stop em getting their mitts on it sorry. I know I've seen something some where, re requesting claim paid in cheque form:D as the account is closed.

I will keep looking

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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lol lol....you are a gem linus,thanks for your help.Presume I need to write to the bank requesting payment by cheque,but that will be difficult as my account is still open wont it!?

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hold your horses, I seem to remember it has something to do with when you make your claim, or at point of settleing claim with bank:confused:

 

Glad to see your laughing now:D

 

off to work now, so will catch up later and hopefully someone will come up with the details. they will eventually honest;)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Hi Cheryl Remus,

Just to letter you both know when I sent off my LBA i wrote on that I wanted my money to be paid by cheque, i still had an account open yet the sent me the £750 goodwill payment by cheque so I think thats all you have to do is request it every time you write to them and in the N1 or money claim as to the big payout my court date is this Wednesday so I will let you know how i am paid thats if i win Lol. Cheryl this is a fabulous site and you will get all the help you need, not from me by the way as you will lose if you had to rely on me;) but there are many knowledgeable souls who will help:) Thanks for the click

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen wishing you the very best of luck next Wednesday (and Liverpol fc also) Really hope you succeed.Not too sure of terms......what do LBA and N1 stand for?? So would it be ok to write to the bank and request payment by cheque??

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Hi cheryl,

 

Just reading your thread and being a bit knowledgable on accounts. If at any time money is paid into your account from what ever source you have the "right of appropriation".

What this means is you can write to the bank telling them you are exsercising your right of appropriation and that you require the funds to pay..xyz.

No bank is allowed to over rule this right.

However Lloyds are trying to get their refunds to pay off any debts. If Lloyds are your biggest creditor then state the payments are for essentials like house hold bills etc..

But at this stage its easier to put a note to them advising of the above and so all money that may be being received from any claim arising from illeagal bank charges are paid by check. Most bank emplyees done even know about this right let alone how to go against so you should be fine.

Angi77777 xx

If your new to CAG...read, read and read some more.

This is a great site and invaluble especially to LLoyds Victims, so dont forget to donate WHEN you WIN!!

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Anji77777.....thanks for that.I've seen the "Right of apprpriation" But unfortunetly I'm claiming just over £3,000.....so essentials don't go there!!

 

Oh what a bugger this is!!! But you are all fab,I feel better now I've starting posting xx

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Pen, all the best for wednesday wll be thinking of you:) will catch up on your posts.

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Hi Cherly, members often do that if they know they will be posting on someone else post, thanks remus I think I need all the luck i can get.

Cherly sorry did not know how much you knew so did not want to patronised if you get what I mean. LBA is letter before Action. the one you send to your bank insisting on them giving you or your money back or you will start court proceedings, this gives them a further 14 days to pay up before filing a N1 which is the form you use for court, there is also money claim the same form but that one you can fill in on line. I think it is better to use the N1 as you can put on it more details and you can send the spreadsheet with it. all 3 the LBA the N1 and money claim you can get the templates for in the library, hope that explains it a bit better. glad you are reading, there is tons to get your head around but you will do it.

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Phew.....thanks everyone.My head is feeling clearer now. I've filled in forms to open an account at another bank,and sent off letters to ask for payment by cheque. Fingers crossed!!;)

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Hi cheryl B,

well done, you've got the hang of it:p another bank account is incase LTSB get funny maybe, call in your od, you might just decide to stay with the new bank.

 

Good luck with your case on the 12th june, did you do the N1 and take it into court, or did you go online mcol? which court are you at? not Birmingham I hope:rolleyes:

 

And how is your court bundle (or bungle as I have seen before) going?

This really needs to be complete so any questions, ask away.

 

Happy claiming:D

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Share on other sites

Hello remus!:) I started my claim with mcol so paid the initial fee,but then put a claim in for exemption for the other one.It is to be heard at Newcastle upon Tyne thankfully People in Birmingham must be so worried.

 

My two "bungles":D have already been posted and included everything that is suggested on here (plus T&C) so I hope they'll be ok.Thanks for your continued support hun.How are you doing?

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Hi Cheryl, sorry have not responded before, you sound like you have really got it together which is great:D

My court date is not until 25th July, so I feel like I am on the back burner (or boiler in my case:mad: ),so I spend my time reading on this site and learning all the time.

By the looks of your claim, I shall be coming to you for advise nearer the date:eek:

Happy claiming:D

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Hi remus,I hadn't really got it together until the other day .When I first posted on here I just wasn't coping at all but you Pen and others gave me such good advice I have hope now!!!

 

I've made mistakes though.....just realised I haven't "highlighted" the relevent charges on the copies of statements in my bungles!

 

Have just been reading about Pen's experience.She must be gutted!!Hope you are getting there :D

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