Lloyds vs a badly overdrawn boy

[badly overdrawn boy]

Hi everyone,

 

I recently won a case against Natwest (Won £666, ironic huh?) and I have started to claim against Lloyds. After recieving a list of charges, I added them up which came to a whopping £2600! I wrote to them and their reply was basically telling me it was my fault I got overdrawn and I had actually "Agreed" to have these charges taken out of my bank! Can anybody who has delt with these cheeky monkeys please advise me on how to word my next correspondance (as I just want to put down lots of swearing!)

 

Thank you very much!

[BARTY]

Hi

Just send the LBA from the library.

Good luck, keep us posted.

Barty:)

[badly overdrawn boy]

Hi Barty,

 

Wow thanks for the fast reply! Please excuse my ignorance but what is an LBA? My last claim was pretty straightforward so I didnt have to work as hard to get my money back!

 

:o

[BARTY]

Hi

Letter Before Action:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

I think you will find it will be a much longer battle against Lloyds than your previous one, but it will be worth it in the end;)

Barty:)

[badly overdrawn boy]

Thanks! I'll post it off tomorrow! I take it I send it to the address that was on their last letter?

[BARTY]

Thanks! I'll post it off tomorrow! I take it I send it to the address that was on their last letter?

 

Yes:)

[badly overdrawn boy]

I got a letter back from Lloyds stating they are dealing with my request and will get back to me no later than 27th august. That is quite a while after the 14 days I stated on my letter. Does anybody think they really are bogged down with so many complaints it would take them that long to process it, or are they playing for time? Any suggestions?

 

Thanks!!

[nicsussex]

Yes to both your questions - but you must stick to your timescales not theirs so time to issue a court claim against them

[badly overdrawn boy]

Ok, Ive just got a letter this morning from Lloyds stating that because they are taking legal proceedings with the OFT, they have stated they have permission from the FSA to suspend all requests until their case is resolved. They have said this might take MONTHS to resolve so basically myself, or anyone else claiming, won't be able to do anything now until it is finished on their terms! Has anyone else had this? Am I the first? Are the bank playing for more time? Is this Legal???

 

Help!!!!!!

[nicsussex]

Time to issue your N1 by the sounds of things

[flanbo63]

Ditto to Nics post. The decision is the courts not LLoyds, the FSA's nor the OFT's. Keep going until the courts decide otherwise, quite a few posts on here have said the courts are carrying on. Plus if you don't file at court you run the risk of losing charges on or near the 6 year deadline. Filing now will fix the 6 year point for you.

[badly overdrawn boy]

Thank you!

 

I thought it sounded dodgy when I read it. It just furiates me that they think they can do this and expect to get away with it! Can anybody help me with this next step as it's a first for me! Where do I obtain the N1?

[BARTY]

Hi

These links should help, they do work:

Error

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/107596-new-poc-n1-lloyds.html

 

Barty:)