New Lloyds claim for £7k+

[ellielou]

HiI'm just preparing a prelim letter to llyds for my auntie & the total charges come to a staggering £7,677.50 - is there anything extra from the norm I need to include.I've done a few claims for myself but nothing of for this huge amount - I just want to make sure I get eveything right for her, as you can see there's a lot riding on it.Many thanks for any advice given.Ellielou x

[nicsussex]

Just be aware that LTSB will drag it out to the bitter end unfortunately - but stick to your timelines and you will be fine, What period do the charges relate to? Are you claiming CI?

[Curlyben]

Also, to add to Nic's comments, how far back are you claiming ?

I managed to get 10 years worth of statements from LTSB, after a few e-mails to their Internet Banking people.

Seems that 1997 is as far back as they go.

[ellielou]

We're only going back 6 years

There are lots of O/D Int charges on the list but I can't be sure if they're authorised or unauthorised, so unsure if the int can be claimed back.

I think they'd be fairly happy with just getting the £7.6k back.

[ellielou]

Hi

 

We've now had the standard fob off letter from TSB basically saying they won't refund charges.

 

I'm thinking of writing to them saying their decisionis unacceptable and we'll give them another 7 days to reconsider. If we get no positive reply by then we'll procede with legal action & here's a list of the interest as of todays date (this comes to almost £1,600 alone).

 

I've claimed many charges back for myself but non of them were on this scale. That added to the fact this is for my auntie & it's TSB I want to make sure I get everything just right.

 

What do people think?

 

Many thanks

Ellielou x

[BARTY]

Hi

Have you sent the Letter Before Action yet? If not, send that, give them 14 days then start the Court claim. If you have already sent that, I would start the Court action, I wouldn't bother giving them extra time to settle up.

Good luck, let us know how you get on.

Barty:)

[ellielou]

Hi

 

I'm resurecting this thread in the hope that someone will be able to help us.

 

As mentioned many moons ago my auntie & uncle were charged a huge sum over 6 years by the TSB. They were fobbed off & then the freeze was put on reclaiming, so we were just waiting to see what happened.

 

However, my uncle who was only 55 suddenly passed away in May. Which has basically left my auntie in a dire financial position. She only works part time as a carer and still has my 2 cousins living at home with her - the 18 year old is at college & working part time & the 20 year old has learning difficulties and is at college. The outgoings are currently around £400 a month more than they have coming in!

 

We wrote to Lloyds TSB on 14th August 2008 as I thought she had a good case to claim the charges under the hardship waiver. Lloyds wrote to her on 16th September 2008 sending their condolances but have gone on to igore the financial hardship claim and just reiterated where the test case is up to and told her to basically get lost.

 

Should I refer this to the Ombudsman now or should I try another letter to Lloyds pointing out to them that the have missed the point completely & forwarding an income and expenditure? If I need to do the latter do I include income from my cousins to - I'm guessing they get EMA's?

 

I really would apreciate any help with this, I really want to help my auntie, she deserves a break, she's had such a sh!tty time of it.

[sea-sidelady]

I'm sorry to hear about your uncle.

 

You need to send this hardship letter, with an expenditure sheet, also add on any new charges since the claim started.. It is also advisable to send in copies of proof of hardship. For example, and bills, or letters requesting late payments. Anything really which proves your aunt is struggling.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/154154-hardship-stayed-claims.html#post1640904

[ellielou]

Thanks sea-sidelady - I'll get on to it now.

It's really frustrating that they've just completely ignored the fact we mentioned the hardship waiver!! Grrrrr!!

I hate banks!