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katieandscott vs Lloyds Tsb** WON**


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:) HI guys sorry that i keep starting new threads its cos my girlfriend has been using this too, and didn't relaise your meant to use the same thread!! anyway we will stick with this one now! just so you all know where we are:

recived bank statements this morning wooo!!

totalled up:

o/d usage fees'

o/d excess fees'

unpaid DDs'

Unpaid S/Os'

and unpaid personal loan fee chrg's!!

Total = £ 4904.00 (i think!?! will double check!!):)

 

I have not added:

O/Draft Interest or

Account Charge's.

not sure why but i have been told not to.

will be sending next letter in the morning!! asking for my money back!!:)

 

would appreciate all the help and advice you guys can offer. cheers.

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Yes send the prelim then the LBA, stick to the timetable. You can claim interest on the charges when you submit your legal claim, normal interest and account service fees you have agreed. Make sure your calculations are accurate.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Fine.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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  • 2 weeks later...

Hi Guys,

We have sent the first letter detailing our charges, the 14 days are up tomorrow. Shall let you know if I get a response in the morning post. And then I will definently need your advice from there. As I'm pretty sure they won't offer a settlement in their response. Just so I know the next step is a LBA is this correct????

Many Thanks

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:) Hi katieandscott,

 

Do not enter into this lightly!! Be prepared to go the whole way.

 

I am, and currently at defence stage from lloyds. I have read, read, and read some more but still need advice at this late stage!

 

I wouldn't worry about success rates, etc. just concern yourself with getting your facts and documents right,and take every day as it comes.

 

I've been successful against halifax and natwest, both at MCOL stage, I am prepared (with help from this site) to get MY money back from lloyds!!

 

GOOD LUCK

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hi guys, I am very new to this site, only recently I learned we can claim bank charges back. So you think the following charges icon2.gif o/draft excess fees, unpaid dd and unpaind s/o refundable? thanx :)

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Definitely quite normal!

 

The only correspondence I received, after receipt of statements, was following filing with MCOL.

 

They then took the full 28 days to file a defence.

 

Just received notification that case has been transferred to my local court.

 

Looks like its all the way to court. When I win I shall be definitely writing to the courts to claim for waste of time costs.

 

STICK WITH IT & GOOD LUCK

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Hi katieandscott,

This is only applicable if you have a default notice issued which you want removed. If you look at the bottom line on the template, it reads,

'Red - if you have a default notice issue as well - which has been caused by the charges. Otherwise to not include this part.'

 

Regards

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