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Peter V Lloyds TSB help they are still charging me!


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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 .

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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 :D

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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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

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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

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

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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!!!!!

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  • 2 weeks later...

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?

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  • 1 month later...

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 ?

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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  • 1 month later...
  • 3 months later...

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:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 2 weeks later...

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.

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