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Reavna -v- Lloyds TSB


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Hi everyone, I'm new to the site and I'm in the process of reclaiming bank charges from Lloyds. I'm already in the process of the claim, I've only just come across this site so I've missed so much advice and information so I'm worried I may have gone wrong somewhere.


If you could cast your eyes over what I've done so far and give me any pointers I'd be hugely grateful.


19th March 2007 I sent the first letter asking for my bank charge details, enclosed a £10 cheque. Noticed on the 2nd April that they had cashed my cheque


6th June 2007 I received my statement information - way outside the 40 day period and almost 2 months after they'd cashed my cheque.


9th July 2007 I sent the first letter requesting £4,243.00 in bank charges be paid back to me within 14 days


23rd June 2007 I receive a letter from them with their standard "I'm sorry you're not happy but we're not paying up" waffle.


26th June 2007 - I reply with the "letter before action" letter, but included in my letter an offer of £3,182.25 which is 25% less the original amount.


To be honest the money is long gone so I'm not all that worried about not received the full £4,243.00, the way I see it anything is a bonus


Anyway, I didn't really read their letter properly and having read through some of the posts and FAQs here I've gone back to their letter, I've discovered that they're claiming the charges are for "extra services" and that they're "completely open about any charged for services".


This kind of throws a spanner in the works for the "default charges are unfair and not proportionate to your costs" paragraph I've included in my letter before action


Have I messed the whole thing up or should it be OK?


Thanks for any advice or help you may be able to give me!

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The letter you received from them sounds like standard Lloyds waffle, so nothing to worry about.


It looks like you are ready to start your Court claim. These links should help you with that:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html POINT 6








And go for the full amount, it is your money and you want it back;)


Good luck, if you have any questions just ask on here.


I WON!!!! :D :D :D




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I was a bit worried that I'd gone wrong somewhere.


I really don't want to go to Court so I made an offer in the hope I could avoid it.


Will have to see how it goes.


Thanks again!

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Just a quick query.


Can I add another charge to the claim I already have in progress or do I need to start again?


We have 2 accounts, one we get all our money paid into and one for paying bills from. At the beginning of each month, I work out how much the bills are then transfer that amount give or take a couple of quid into the bill paying account.


Beginning of June I worked out all the amounts for this month and transferred the money over, forgetting that my car insurance had gone up by £2.50. I noticed yesterday AM that the DD for the insurance gone out and realised I was 38p over drawn so I got my husband to nip into the bank and pay in money to cover it. He did this just as the bank opened at 9:00am.


Lloyds bounced the DD and charged me £32.


Can they do this, given I'd paid the money in to cover the OD as the bank was opening? I've spoken to them this morning and they're refusing to cancel the £32 charge so can I just add it to the ones I'm already claiming for or do I need to start again?


It was just a simple oversight, caused me to be OD by a measly 38p and was rectified as soon as the bank opened

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