count date set 30th

[cleanslate]

call me nuts if you like.

but have i got this right.

 

you can claim past bank charges £35.

so on so on.

 

sorry you might say does he read this website.

 

spent a few hours reading everyones post good luck to you.

 

i take it the answers yes.

But like everyone else when i joined tsb. seven years ago now. i pay £7 per month to have a select plus account thats £84.x £588.for this i get a Lloyds tsb visa electron card and a cheque book also i have recived £90 july charges.

 

august £30 charges.

october £20 charges.

november £30 charges also a £20 charged so on so.

 

i like everyone else are sick of bank charges.

 

geting to my point when you sign up to a high street bank i take the charges as per banks conditions cheers.

[Guest Niklowe]

Hi cleanslate, and welcome.

 

yes you can claim back all the nasty penalty charges as for instance the charge for bouncing a DD. Yes you need to do a lot of reading before you start, it really helps. This very much a self help site but if you need advice, there are plenty of people here to help

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

Good luck but you won't need it

 

 

If you found it helpful please click my scales (on the left).

Any advice offered is my own opinion and if you are unsure always seek further advice.

__________________

Nik

[cleanslate]

sent my first letter a week ago now.

 

after getting my breakdown of charges via on line statements yesterday

 

i noticed after checking on line banking with Lloyds

i have been deny of access to them

 

now telephone and requested 6 years statements paid £10.

 

has anyone else had a problem with on line statements or it might just be me.

[mattyb13]

yeah it seems as though lloyds have stopped the facility to check statemens online.

 

they stop at nothing dont they

[minx_xxx]

They're unreal aren't they!!

Just logged on to my internet banking and the same scenario!!

Its a good job i printed everything off or my case would be screwed!!

 

Their dirty tactics will only stall for so long

It will make your victory all the sweeter thou when your cash comes rolling back to you.

 

xxxxxx

[danhere]

This has also happened to me today but i have already printed mine. What we need to do is find someone who has lloyds internet banking and has not started any dialgue with the bank regarding charges and SAR's etc.

 

as it says online it is an error and i would think it would be fixed as online statements are a big part of online banking.

 

Is this a general error or are those claiming back charges are being targeted.....???

 

choo choo........

 

dan..........

[cleanslate]

yes 100%. i should have mine soon the six year statements i did keep a copy of charges sent to them its 10 days now since i sent my first letter to them will keep everyone informed also only got charged for the first time ever £4.50. sorry sky wages had gone in late wonder if this has anything to do with my claim

[BARTY]

Hi

Mine is working fine:)

I did my claim on behalf of my boyfriend, so I've never actually done a claim myself:cool:

Barty:)

[cleanslate]

only days after sending my first letter.received a reply how fast is this.

 

dear me.

 

thank you for getting in touch with us.i am sorry you are unhappy about your account charges, like any business,we do make a charge for some of our extra services.when customers don;t have enough in their accounts to cover a payment,this always means extra work-and it has to happen very quickly.we have to agree to make the payment by setting up or increasing an overdraft,or tell customers we can;t agree it,we feel its fair to charge for this service. of course its only fair too,that we:re completely open about any charged-for services before you might need them.thats why we take care to give every new customer the latest guide to our charges.you can also get up-to-date details about fees and borrowing rates at all our branches,throgh our helpline and on our website,

just as importantly,we do everything we can to help our customers avoid these charges you can get an up to date balance at any of our cash machines,over the phone on line and by weekly text to your moblie.

if you know a payment is going to take you over your agreed limit,you;re welcome to see if there;s anything we can do.

the office of fair trading has published new guidelines on credit card defaults charges.we:re still talking it through with them,but the important point is that the guidelines are about default;charges that people pay when they break agreement with us,this doest;t apply to your charges as these were for dealing with your request to go over your agreed overdraft limit;;they are not default charges because you haven;t broken your agreement.they are our prices for the service we provide in these situations.

i understand that you may also have some concerns about us sharing information about your relationship with us with credit reference agencies we use,i:d like to reassure you that this does not apply to bank charges;we only share what is know as white data.which is information about payments to your credit card.loan or mortgage accounts.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.i hope this fully answers the points you raised with us. it goes on please let me know if there is anything else i can do to help. 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. etc do i send a letter back or now file a court claim

[enamresu]

I got exactly the same response from Lloyds, I will post here once I've figured out what to do next.:o

[cleanslate]

thanks enamresu. looks to be a standard letter but how fast only sent the first letter on the 26th of march

[empowered]

Bog standard reply from Lloyds! Issue your LBA once your first 14 days are up from your prelim , and then if no satisfactory (won't be) response after another 14 days issue a court claim. They have actually refunded £750 this Tuesday and today I have had another letter saying "please be patient " whilst they look into my case - the left hand doesn't know what the right is doing!

[cleanslate]

cheers em. yes will send them the L.B.A thanks for your and everyones help will keep you all informed

[cleanslate]

just to note my letter was from Lloyds tsb.

 

address Andover services.

 

recovery centre.

charlton place.

andover.

hampshire.

sp10 1re

[enamresu]

Em, I concur, my letter was from the same address. Oh, by the way, I know it's probably simple to work out, but what is L.B.A??

[cleanslate]

LETTER BEFORE ACTION sorry for caps i think it is anyway only new myself

[Big Man]

Dont hold your breath for a reply folks ! cos you wont get one if they stick to form.

[cleanslate]

I send a first class stamp with it lol

[enamresu]

cheers cleanslate.

[emmaa7770]

i got the same letter today, do we send the reply to the andover address that was on the reply or to our original address we sent to.

[cleanslate]

yes the same address which i will be sending mine.also i was told to wait the full 28 days which will allow Lloyds time.i have marked the next 14 days to send my L.B.A request. good luck with yours

[cleanslate]

just come off my night shift. my mate in work has a son who works for a bank in the claims department. and his son is passing out temp plate letters to his friends and family to register for bank charges lol i fell off my seat 3am this morning for security reasons i will not tell you the bank he he he

[PPMAN159]

Interesting post Cleanslate.

 

Does this mean that the banks are beginning to cave in and realise that they are on a hiding to nothing or is he so peed off with them that he is trying to get one over on them?

[cleanslate]

lol no its true.we wait and see but i was crying

[PPMAN159]

Not sure if the mods will read yiur post but if they do I am sure that they will be as surpried as you were when you were told it.

 

The only thing that I would say is that if the banks can check the claims and trace them back to him as they are from his family then would they have grounds for sacking him?

 

Hard to tell but could be interesting