nicky Vs lloyds

[forrest2]

Hi all

 

This is the first time ive posted on here, ive read alot of the threads on here and im ready to get my money back!!

I sent of my prelim letter and recieved a standard fob off letter, ive got my Lba letter ready but im not sure about my spread sheet? on the spreadsheet i sent with prelim letter i did not add overdraft interest should i have?

 

any answers would be very helpful

 

thanks nicky

[dx100uk]

no you cannot claim any interest listings they charged you

however, there is nothing to say you cannot add interest to the total your are claiming

 

dx100uk:rolleyes:

[cindytc]

you only add interest to the total you are claiming at court stage it is 8% as allowed by the court system the interest at this stage is difficult to work out correctly

[dx100uk]

not if you use vamps spreadsheets

as natwide has just paid out com cont int for the second time

it is getting more favourable it will not longer be contested.

 

dx100uk:cool:

[forrest2]

I havent added it onto my spread sheet but when i wrote my LBA letter it said

I calculate that you have taken £xxxxx plus £xxxx which you have charged me in overdraft interest for the sum which you have taken. total £xxxx.

 

i added the overdraft interest on from my bank statements was this wrong?

 

please say it was ok because ive already sent it recorded delivery1:confused:

[davethorp]

You can add the overdraft interest that lloyds have taken from your account ONLY if that interest has accumulated as a direct result of charges.

 

I put most of my overdraft interest onto my claim but it was a touch easier for me as my overdraft limit was interest free and so after the first charge all overdraft interest came as a result of the charges. There is a spreadsheet to work out what part of the overdraft interest taken was as a result of charges and so reclaimable

[forrest2]

thanks dave

I posted the lba today so i cant change it now but what shall i do at my next stage take it off or leave it on?

the amount of interest ranges from 0.19p to £41.67p im not sure if my o/d was interest free

 

any help would be great

[davethorp]

To accumulate interest of £41.67 your overdraft would be about £2900 if paying at lloyds TSBs standard classic account rate. If this sounds right then as this is interest for an agreed overdraft (I assume) it is not claimable.

 

However depending on what your charges come to chances are at least some of the interest would be claimable though how much depends on what lloyds charged you an when.

 

The advanced spreadsheet from the library should work it out for you though you will need to go through your statements with a very fine toothcomb and know exactly what was happening with your account at each charge.

 

End of day your LBA is more than likely wrong so I would send a revised LBA. Up to you if you want to work out the exact interest they owe you or just leave it off. You will have a better idea of if its worthwhile to leave it on or not.

[forrest2]

hi everyone

 

i needs some help ive just recieved £750 pounds from lloyds!

what do i do now? can anyone help me!

cheers

[livelylad]

This is their standard goodwill gesture, can you post details of how much your claim is. Inform them that you will acceot ythe cash as a part settlement and you will continue to seek the balance.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

I have merged your threads please stick to this one.

[forrest2]

thanks livelylad

ive looked at the letter and im still not sure which one to use?

lloyds has put 750 quid into my bank as a full and final settlement they said "please treat this letter as our final response.this means if you are still unhappy you can ask the financial ombudsman service to investigate your complaint !

i dont know what letter or who to write to?

if u can help that would be great?

[Kazzie]

Hi forrest

 

It depends on your circumstances which one of the letters you send (that livelylad linked you to).

You need to read through it carefully to see which one applies to you.

 

The advice here is usually to send one of those letters and then continue with your claim but i'm not sure if you can do this. You said that you sent the LBA off about 5 months ago. Did you continue with your claim after that or has this £750 come out of the blue after 5 months?

[forrest2]

i sent my LBA off to lloyds they sent me a standard letter back saying they would look at my detail and get back to me within 4 weeks!!then i got another letter saying they still hadnt decided and they said they would be back to me within another 4 weeks ? this didnt happen so i rang them at andover to leave my ref no on the answer phone but that was so full there was no space left to leave my detail! in the end i rang head office and the said they would email them my details then 10 days ag they put 750 in my bank and i recieved a letter from them!

now im not sure who to write to??

[BARTY]

Hi

After sending one of the rejection letters, you now need to start the Court action for the remaining amount, this link should help:

Error

link works ignore the error bit!

 

Good luck, keep us posted.

Barty:)

[forrest2]

thanks barty ill send one of the rejection letters. do i have to wait for a reply or can i start court action as soon as ive posted letter off?

getting very nervous:(

[nicsussex]

This has been going on since at least February - time to issue your court claim now - it is the only thing that will show that you are serious