Peter V Lloyds TSB help they are still charging me!

[peterdunn2003]

I am lucky enough to have all my statements downloaded. This only goes back to June 2002 and I have paid over £1400 in charges since. I have recieved a reply from the bank telling me that they consider the charges to be fair and therefore they will stand.

 

Should I now ask them for all the statements going back for the full 6 years or just find out about the next step. Lloyds TSB are going to charge me another £169 on 3rd July. All this is because the took charges out and then returned other direct debits to charge me more. Twice this year they have completely emptied my bank account an I have had to borrow money for food. Can I stop this from happening?

 

Peter

 

MODERATED posted twice so one post deleted .

[Michael Browne]

I would send the DPA letter(+£10 fee) and find out all your charges from 2000

 

You can't stop them charging more penalties, but you can add them to the total right up until you issue a claim at moneyclaim

[Janet-M]

Hi ,

Yes send them the DPAR including the £10 , this really should of been done first .Whilst you are waiting for them to send you the information please use that time to have a good read around this forum ,especially the FAQ's (on main page in bright red ) by doing this it will save you making any costly mistakes,

 

please keep us posted on your progress

[peterdunn2003]

Thanks....

I will do that, maybe if they want to play that game, so should I. Trouble is, they will just about put me out of work in a week or so because I wont be able to afford the fuel to go to work with!

 

Thank you Michael and mjanet

[adamski]

Im in the same position Peter, im struggling to pay the mortgage they are charging me 182 pounds next month but the mortgage goes out before the charges if it didn't id lose my home!!.

Im living on the edge there are millions of us lets tell them we will not stand for it any longer!!!

Regards

adamski

[reduk054]

Hi Peter,

once you have filed the claim (please make sure that you have followed the correct steps as per the FAQs and bank template letters in the correct order), you will still probably continue to get charges to your account (I Am:mad: ). Once the claim has been filed you will not be able to amend the figure you want refunded (there is a withdrawal system but you have to decide a cut off point at some stage!).

Hopefully the money that you get refunded will start to make a difference to your situation (ie that you can at least keep a roof over your head!), then you can start another claim for the rest of the charges and so on.

In another bank forum one member sucessfully reclaimed all of his charges owed, was asked to visit his bank manager to discuss his running of his account, but instead the BAG member gave his bank manager a new preliminary letter requesting a full refund of all of the additional charges that had been applied since his last claim!!:grin:

a man after my own heart!

Good luck!!!!!

[peterdunn2003]

Data Protection Act Sent 5th July 2006, Yes they took out the charges, reduced my overdraft limit and kept my Disability Living allowance to boot!.

 

With no money now my College course will be cancelled and I will have to pay the finance back in full. Can we claim this back as well?

[peterdunn2003]

3 days to go and they have sent me very little. I recieved my account statements but they only went up to 14th sept 2001. I need to find out what to do next

[Janet-M]

send them them a reminder that they have XX days left informing them of what is missing , because you only have a few days I would send it by email ( keep a copy ) If they still do not send everything then send a LBA for non compliance of the DPA, letter in the libary .

 

Have you opened a parachute account yet ? if you have get your money paid into that to stop them taking any more .

 

 

With no money now my College course will be cancelled and I will have to pay the finance back in full. Can we claim this back as well?

 

Can you explain exactly what you want to claim for ?

[peterdunn2003]

Lloyds TSB tell me that all the charges stand. LBA expired no so court action has to commence.

[peterdunn2003]

I have been away for a couple of months. I am getting constant calls fro a Debt collection agency. Can someone tell me what to put on the N1 form and what to take to the court with it. Its time I brought this to a head

[BARTY]

Hi Peter

Here is a guide to completing your N1:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Good luck!

Barty:)

[peterdunn2003]

Thank you Barty,

That helps greatly. I cannot understand the way interest is calculated so I wont claim that back. Instead, I will say that i consider those charges to be reasonable an accept them. This is coz I have had Lloyds solicitors on the phone telling me that "I should have managed my account better and made certain that I had enough money in my account to cover direct debits'

 

She also told me that they will default my account in thge very near future.