I have gone through all the stages before the court letter I had sent them a letter to say I am given them 7 days to pay back my money or im taking them to court then i revcived a default letter from them to pay up 275.31 as im past my overdraft limit. they owe me £629.48 in charges. this all began in febuary when I hurt my back and explained to them about my d/d and i was a student at the time so not alot of money at all....

gave em 7 days and i got a reply saying i owe them 200 odd quid or there taking me to court.... I dont know how to do the N1 form its confusing

I had recived a letter last week from lloyds tsb basicly saying tough ****. I had wrote a letter to them saying if they do not pay up my money they took from me I will be taken them to court but I have not herd anything from them and its been a wekk since the letter what should I do next? as im confused about this all

I am going to send that letter out thank you

I have two bank account im with the royal bank of scotland as well been with them since i was little but never really used it, but i have had everything changed over to the royal bank now. they are absolutly lovly to me, call me if i have n e thing comin out and I will be a few pounds over and there charges are more realistic no matter what the problem is you get charged £10 and what interest you owe not 90 odd quid for a returnd d/d

I had sent the 3rd letter off on monday saying they have 14 days to give my money back but thats when i recived this letter. do you think I should wait till the 14 days are up to take any mor action? please explain to me how you have gone about it im so confused

yes that is the exact letter that I have just recived. I dont know weather to go straight on to the court letter as the said they aint going to cancel. the letter also says I have everything explained about charges and that when i joind the bank which i never got a soddin thing told to me. the reason i am in debt is becuase i hurt my back in january and i had explained t them i may not be able to pay bills this that and the other then i started getting charges through and when your a student on minimum wadge your not getting alot so in the past 4 month they have taken over £600 off me and I cant find away to pay it back. PLEASE IF ANY ONE KNOWS WHAT TO DO NEXT PLEASE TELL ME

Hi I have gone through the three stages with Lloyds Tsb about claiming my charges back. I have recived a letter today after sending my 3rd letter to them asking for my money back and the letter basicly says tough Sh*t you aint getting your money back how do I go about this? Do I threten them with court or was the 3rd letter you have to send thretened them with court. can any one help me as from news paper etc that there is four letters. if any one can help please message me kind reguards sophie routledge