toondog v lloydstsb

[toondog 73]

hi all, hope someone can help me here, i pretty much rushed into things without doing any homework.

 

i wrote my first letter to lloyds with an ESTIMATION of how much they owe me, basically i skipped the statement request because i have 3 years worth of statements, so i simply doubled the amount, and stated that if they did not agree with this to send me the statements covering this period. i also sent off a breakdown of charges made to my account.

 

i recieved a reply from lloyds stating that they were fees and not charges, and perfectly legal, basically just fobbing me off. They gave me a ref number and told me to send off a cheque to this address-

 

Statement request

Lloyds TSB Bank Plc

Customer Service Recovery Centre

Charlton Place (c25)

Andover

Hampshire

SP10 1RE

 

They also said " if we cannot come to an agreement, i will provide you with details of the financial ombudsman service so they can consider your complaint independently"

 

My question is, where do i go from here? do i start from scratch and request the rest of the statements i need from the above address? What about the estimation i made? do i go back on this?, have i screwed up by sending them an estimation?

 

this bank really have made my life a misery for years, i really want to kick thier arses, i mean look at this- 28th feb 2004 UNPAID CHEQUE CHG £125.00, surely this cannot be a fair charging system as they claim.

 

any help such as an appropriate letter template would be appreciated:smile:

[toondog 73]

http://news.bbc.co.uk/1/shared/bsp/hi/pdfs/12_12_06_bank_estimated.pdf

 

this is the first letter that i sent off.

please someone tell me whether i have made a big mistake, starting with this letter.

[jshtr3]

Hi The first letter doesn't matter too much but the fact that your estimating your claim does! You need to send a proper SAR from here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/ and work out the exact amount using one of the spreadsheets, also in the link abouve. Take some time to read the http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html and also read a lot of threads to get an idea of what to expect. It's very important that you prepare properly.

[toondog 73]

ok, so i should only request the statements that i dont have? may 2001-may 2004, also should i send the SAR to the address they gave me quoting the ref?

 

i really appreciate your help thanks.

[jshtr3]

If you've had your account longer than 6 years see this thread http://www.consumeractiongroup.co.uk/forum/lloyds-bank/81799-issues-raised-llloyds-bank.html. I would ask for all your statements anyway as you will have to copy them if it goes as far as you doing a court bundle. Don't worry about that yet though. Just get your statements.

[toondog 73]

okay i'm on it!! thanks for the advice mate, my headaches have mysteriously dissappeared:D

 

btw, do i send the S.A.R - (Subject Access Request) to the address they gave me and quote the ref?

[jshtr3]

SAR goes to Data protection dept

Lloyds tsb

48 Chiswell Street

London

EC1Y 4XX

 

Your welcome

[toondog 73]

ok, have my sar ready to send off, do i send it first class recorded delivery?

[jowalshy]

yes send it first class and by recorded delivery. that way you can track it online and see when it gets delivered.

[jshtr3]

I always send mine signed for. Costs £1.04 but i've read on here that proof of postage certificate from the post office for free will do.

[toondog 73]

ok thanks i'l send it off tomorrow, really, i dont know what i would have done if i hadnt stumbled across this site and all the helpful people here, thanks guys!!

[toondog 73]

i sent off my sar to lloyds 2 weeks ago now, and i still havent heard a thing from them, and they havent taken the £10 from my account.

what do i do now?, do i pester them with phonecalls or just sit tight and wait for 40 days to elapse? thanks in advance.

[christinajanep]

you need to sit tight i'd say wait till the 40day dead line then start the chasing...

 

when your dealing with lloyds you need to have the patience of a saint as they drag things out till the very last minute along with there solicitors

[toondog 73]

hi all, back again, i recieved my statements from lloyds this morning, 3 days before the deadline!, problem is they are just a breakdown like so-

 

28SEP01 CHG O/DRAFT USAGE FEE 20.00

30MAR07 CHG UNPAID CHEQUE 70.00

 

so how am i supposed to work out the interest i'm owed without my account balance? is it possible to work out the amount with these sheets?

[BARTY]

Hi

You can't work out the o/d interest with these sheets, but you can work out the 8% interest with them.

Good luck, keep us posted.

Barty:)

[toondog 73]

so do i just add 8% onto the total charges? thanks

[nicsussex]

You can not add the 8% statutory interest until you issue a county court claim against them - for now - just produce a schedule of your charges alone

[toondog 73]

so i just add all the totals and produce a schedule of charges then send them off with the perliminary approach for payment letter?

 

what figure would i put in the overdraft interest part below? do i just exclude this part?

 

What I require

I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

I enclose a schedule of the charges which I am claiming with this letter.

[BARTY]

Hi

Yes leave that part off the letter.

Barty:)

[toondog 73]

sorry to sound dumb but i've spent a good while looking around the forums, and can't find a clear answer to this- on my statement sheets, there are O/draft interest £00.22. do i add these up also?

[christinajanep]

hi u can onlu claim a portion of that, its very hard to work out and never amounts to much, say i'd say dont bother with it

[toondog 73]

thanks for the advice, i've just added up the charges and they total £2300!!, i will send off my 2nd letter and schedule of charges tommorrow:)

[Titch28]

Toondog you're about a week behind me, baileybobs and Royboy so am going to subscribe to your thread so we can all compare where we're at!

 

Good Luck mate

 

 

Titch

[toondog 73]

Toondog you're about a week behind me, baileybobs and Royboy so am going to subscribe to your thread so we can all compare where we're at!

 

Good Luck mate

 

 

Titch

 

cheers titch!!

i have one more question, can i add recent charges to my schedule? theres another potential 70 quid!!

 

cheers mate

[nicsussex]

cheers titch!!

i have one more question, can i add recent charges to my schedule? theres another potential 70 quid!!

 

cheers mate

 

You can continue to add any charges up to the date that you file a claim against them