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sukilou vs Lloydstsb £4325.20


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hi all

well what a scary thing we're all going through i sincerely wish everyone luck.


i have just set out on my journey and don't know if I'm doing it all right or not but hey thats life.


This is Sukilou's banking diary


21/6/07----i have all of my bank statements to hand. so off goes the first letter requesting payment plus interest for £4325.20 (template from moneysavingexpert)


28/6/07----Lloyd's reply turns up (too quick for my liking and during postal strike)

received your complaint, how sorry i am to learn you feel this way

We expect our enquiries to be completed within the next 4 weeks


2/7/07----no no no how dare they dictate how long it is going to take.

2nd letter sent As i have not received a satisfactory response, i intend to claim through the county court. reply within 14 days blah blah blah.


6/7/07----Lloyd's reply (letter dated the day after i sent mine)

first page

like any business we have to make charges etc etc( usual stuff)

second page (exact copy)

I do hope you can see that we make our charging system as fair as possible-and why I can't agree to cancel your charges.:-x


If you have asked for copy statements and paid the fee, we'll send them to you


If you have not yet sent the fee you will need to.

I hope this fully answers the points you raised. if we cannot come to an agreement, i will provide you with details of the FO.

If you are happy with the way i have dealt with your complaint, there is no need for you to reply to my letter. if i have not heard from you by the 27 august i will close my file.

yours sincerely

senior manager:shock:


8/7/07----I am now confused.


Is that letter a decline???


They obviously haven't read the letters i sent them because i have all the bank statements and they want me to apply for them.



Would you wait for 8 weeks before applying to the FOmbudsman or would you take that letter as the final response.


I don't know what to do.


The application to the FO is filled in.

The court application is also filled in (not paid yet)




stay tuned for the answer.


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Hi Sukilou.


All the letters that you'v received are their standard template letters. They are designed to delay and intimidate you into giving up your claim.


Stick to your own timetable....


Preliminary letter.

Wait two weeks.

Send Letter Before Action (LBA).

Wait two weeks.

Form N1 into the courts (or complaint to the FOS, if that's the route you prefer.)


Regards, Rooster.

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