BUT, if the charges weren't illegelly taken in the first place then we wouldn't all be sending for this information. Therefore it becomes part of the problem and IS claimable.

Although I have now claimed on 5 accounts and have 3 court cases pending I am now claiming for my partner and am just writing yet another SAR. While reading this I noticed that on the SAR request it actually states that I will be reclaiming the £10 charge if I decide to take action, so far on my claims I have failed to do this and my guess is so have an awful lot of others. Just a thought, but it's another tenner!!! ( or in my case 50 quid!! lost ).

YIKE :o What is an abuse of process??? I presume you mean lloyds not responding so far? If that is the case i am already expecting a reply any day.

Actually went to the local court and delivered by hand. No, didn't remove the consumer regs part from my poc, even though took great care with the LBA, I had already noticed this and I am going to the court next week to change it. I think this will cost me £35.00, don't know how I let it slip through like that. My guess is, my local court is the same as yours!!

Personal Account prelim letter sent 20th Feb requesting £4700.00 1st March reply from Debbie Gilbert ' she's sorry I am unhappy, but tough'. 6th March LBA 27th March Court claim for £6493.00 inc int at 8% Defendant has until 16th April to defend..........no news yet, but from what I understand thats usual for Lloyds, expecting to hear in the next few days. Business Account prelim letter sent 5th March requesting £4200.00 19th March LBA 2nd April Court claim for £5200 inc int at 8% Defendant has until 30 April to defend PPI 24th Feb prelim letter miss-sold PPI request for £1,100 6th March LBA 2nd April court claim for £1,100 + int @ 12.9% + int @ 8% = £3,000 Defendant has until 20th April to defend, no news yet. 2 small claims paid 2 weeks ago from Halifax totalling £600. Total Lloyds claims just over £15,000 :o. Thanks to CAG for advice and help so far, especially GaryH & Hellhasnofury.

Take it you feel strongly about this then

Yes, bad memories of factoring. I had a rapidly expanding company and was owed many thousands in unpaid invoices. Most of the companies were known to my local bank and all paid on time, but Lloyds refused to increase the overdraft, even for just 6 weeks and went to work talking us into factoring. I can only guess the commission would be huge as three Lloyds representatives turned up for the meeting. Alex Lawrie was very expensive and we looked into other factoring companies and came up with Close Invoice Finance, which was still expensive but cheaper than Lloyds by around 1% a month. As you can imagine Lloyds were not happy we decided on using someone else and made life even more difficult. To give you an idea I phoned lloyds many times during the 3 years we factored to say XX thousand pounds is being sent by CHAPS today so you will get the money at 3 o'clock this afternoon so don't bounce any cheques or D/D's, only to be told they had no prove that the money was coming so tough and bounced away to there hearts content, racking up the charges. I was told on many occasions that if we changed to AL then they would be able to help us more as they would be able to see what was due in. It cost us nearly 10k to get out of factoring, and god knows how much in charges over the years, shame it isn't claimable, especially as CHAPS payments were £25-30 a time. We went for the "chase the money ourselves" option because we learnt very early on the factoring companies have no interest in getting the money in as all the time the debt is owed you are paying them interest. Sorry I have gone off topic, its the first time I have seen factoring mentioned on here and given me a chance to rant, in short I would never recommend it, I never expected the overdraft to be taken away because we were factoring, and at times 80% of invoice just wasn't enough, you were lucky to get 85%. Back to your original question though, it does seem odd that AL are now chasing you for the unpaid monies, I can only imagine with what you were going through that you presumed AL had been paid and the whole matter was settled. It seems unfair that they have waited this long, and by now the debtors have thanked there lucky stars for the 'free' work that was done for them. Who should have been responsible for getting the invoices paid, you or AL? Even if it was AL they would have washed there hands of it once the money had been taken back ( from other invoiced work, in my experience ) and left you truly scuppered. Once in this situation there really is no way out as the bank won't help because you are factoring therefore they say you do not need an overdraft or loan, I read somewhere that a high proportion of companies that factor go bust within 3 years. We didn't go bust, but sold the house and paid off most of the debts and literally started again. Most of our problems really kicked in when we started factoring, it just never worked the way it was supposed to, cost a lot more than we imagined and were left stumped when out of the blue they withdrew certain customers and 'capped' others. To be honest, I never actually got my head around what the hell was going on. Sometimes when I was expecting thousands there was nothing, other times money appeared on one customer because someone else had paid bring us back under the funding limit. An awful, expensive & frustrating time. In hindsight we should never have factored, we were pressured into it by Lloyds when a simple loan or overdraft would have been sufficient. The cycle seems to be- overdraft, loan to pay off overdraft, overdraft, bigger loan to pay off existing loan and overdraft and then factoring. I would suggest that factoring bears no risk to the banks whatsoever because if one company goes into default they simply take the owed money from your latest batch of invoices. I can't help thinking either AL or the liquidators should have chased this money a long time ago, it seems most unjust to me that they should bring this all up again. So sorry at your predicament, just hope someone on here can think of a solution for you.

Under the t&c's of a factoring agreement the money is loaned against the invoice debt ( normally 80% debt value ). Depending on what type of factoring you have chosen either you or the company chase payment and then the remainder of the money becomes available ( 20% )when that is cleared. If the company that owes the money disputes the amount, the factoring company take it back, if the debt goes beyond an agreed period ( 90 days is usual ), they take it back and if the company refuse to pay for any reason, then the factoring company take it back. Sorry to say, but it doesn't look like you have much hope. Why wasn't the money forthcoming from the debtor? Wouldn't you be better off chasing them if they owe the money? I also don't think you would have much luck claiming the charge for the bacs payments if you went for the same day option as they can prove that manual intervention was used, which is a shame because factoring cost me thousands.

On my claims for bank charges I have ticked the 'NO' box on the Human Rights Act 1998. I presume on my PPI claim I tick the 'YES' box as I am claiming the defendants actions caused me loss under article 1 of the first protocal of the Human Rights Act 1998. Any ideas please.

I can imagine how you feel, especially the frustration of being passed around all over the place and NOBODY taking responsibility and EVERYBODY pleading ignorance. If it wasn't for sites like this you'd just give up. Best of luck

Ooo YEeess, very helpful thank you It's turned into a decent claim as well, I've added the interest at 12.9% and with the 8% on top it's rather nice.

Cheers Hell, that is very much appreciated

Hope this gets more hits than my 'maths help' question ;-). I have searched the site for a template to help me write my particulars of claim on my N1 regarding a mis-sold ppi. Can anyone help? Thank you

Evening all, this site had made enthralling reading over the past few months and I dread to think of the amount of time I've spent reading on here in that time!! So far I have claimed back £600 with 2 claims, the outstanding larger ones are at the court stage and have obviously taking longer. I sent a prelim letter regarding ppi on 24th March and have heard nothing, so I am tonight filling out yet another court claim, it is this I need the help with. I took out a loan for £8150 on 12th June 01 ( just made the deadline! ), I was told I had to take out ppi which was added to the loan, this cost an extra £1173.33, so the total loan value was £9323.33. The repayments were £211.96 for 5 years ( 60 months ) so £12717.60 was repaid. With the figures I have given here is there anyone who could please work out what my APR is? The reason I ask is I would like to reclaim the interest at the same rate instead of the 8%. Hope this makes sense, thanking you in advance:) . Gary

Hello all, Just had a rejection letter from Lloyds, is this the usual that everyone else gets? Thank you in advance. Dear...... 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 thier accounts to cover 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 it's fair to charge for this service. Of course it's 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 customerthe latest guide to our charges. You can also get up to date details about fees and borrowing rates at all our branches, through 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 mobile. If you know a payment is going to take you over your agreed overdraft 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 default 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 an agreement with us. This doesn't apply to your charges as these were for dealing with your request for going 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 also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known 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 raised with us. Please let me know if there is anything 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. If you are happy with the way I have dealt with your complaint, there is no need for you to reply to this letter. If I have not heard from you by 26/04/2007 I will close my file, though of course I will re-open it should you come back at any point afterwards. Yours Sincerely Debbie Gilbert

Cheers Barty , I will start a thread tomorrow and let everyone know how I am getting on with all my claims, including the PPI.

Hello All, I've been a member of this site for months and spent hours reading it, it is superb. I've only just started taking action against my bank though, and have a few quick questions, please. I have sent my SAR request to my own bank and not the Birmingham address, surely that's ok? My request for payment ( on another account ) has also been sent to my own branch, was that OK? On yet another account, I only have figures for 2001-2004 so far and really want to get started on this one too. Is it OK to file this claim up to 2004 and then start another claim in a couple of weeks for the rest? I have 2 reasons for doing this, 1, I can get a move on & 2, my claim on this account is going to be for well over the 5k limit for small claims. What would you do? Wait and hit them with one big one or start my claim now and go for 2 smaller amounts. Also sent letter last week asking for repayment on PPI which I didn't want, I'll post about that in a different thread. Thank you

Hello Tosh, I would have sent the letters recorded instead, it would have cost 60p more per letter, therefore under a pound each. You don't get the cast iron guarentee its arrived but you can be 99.9% certain. If this advice is rubbish please let me know and I'll remove it or modify it. I send out a lot of letters and for a few months I sent everything Special Delivery not realising Recorded was different, and the Post Office isn't quick to tell you either.