Hi, Firstly thanks for the replies in my thread. When filling out the form 1a and 1b What do I put under the defendants name and address? I live in Scotland and am taking action against Lloyds TSB. I'm busy filling out the the forms now as I got the STD. reply to my LBA today. Many thanks

Hi, I would just appreciate some feedback as to whether or not I have done things correctly and what my next step is along with some advice about a couple things on my mind at the moment. I trawled my online statements and worked out that Lloyds have taken £790.00 unfairly ie: U/PAID DD and O/DRAFT EXCESS from me and my partners joint account. I went straight to the LBA and posted that recorded delivery yesterday. Is that right? If so whats my next step after the 14 days have elapsed? Also...My bank has had some manual intervention in the form of passing my account to central collections and they have set up various plans for me to pay the money that is overdrawn back. On two occasions I was unable to stick to the plan and they contacted me again. I am now on my 3rd and final agreement. Will this affect my claim as they had to manually intervene? I am currently waiting on my internet banking username through the post so I can do the same for my current account. The amount for my current account which I intend on claiming back in one claim is well over the £750.00 limit which I understand is recovered in the same procedure but through a different track at the court. Has anyone been in a similar position and is anyone willing to help me out with advice and a bit of "Hand Holding" should my case reach court? I'm in Fife by the way. Thanks very much guys and girls I eagerly await a reply. Mark

Joint Account LBA Sent today 30th May 2006....Thye have untill the 14th June to reply. Current Account Waiting for a new username for internet banking so I can work out what they owe me. Will keep this thread updated. Fingers Crossed

Hi Alan, Thanks for your reply. Am I right in thinking then that I should file for the full amount ie +/- £3000.00 in one go. Am I also right in thinking that claims over £750.00 will also only incurr more court charges if I am unseccussful at court? or will the case be thrown out because it is over £750.00? Sorry for all the questions I have read the FAQ's and also alot of posts from inside the Scotland Topic but I'm still unsure of what to do.

Hi, I have started to claim back all the unfair account charges that have been applied to my account. The total is going to be in excess of £3000.00 between my two accounts. The first account is under the £750.00 limit for small claims in Scotland but my other account will be well in excess of that. Wont putting in 4 claims to the court be too much work for firstly the court, secondly the bank and thirdly myself? Has anyone else had any similar experiences and how did they deal with it? Any help greatly appreciated.

Thanks I think I will leave it at £790.00 if I got that back I would be more than happy. Just for information purposes I got charged £455.00 in unpaid DD's in Decmeber 2005 along with a £90.00 Overdraft Excess Fee. Thats serverly shocking, it's not untill you add things like this up that you realise just how much they have been screwing you.

Hi and thanks again for the reply. Customised was a bad word to use I edited out the crosses and put the amounts in. So youre saying I should leave out the bit about the interest untill it go's to court? I used the first spreadsheet in the library I think it was the more basic of the two. Its titled Bank Charges

Hi, I have trawled my statements and since May 2005 Lloyds have charged me £790 in O/DRAFT EXCESS and U/PAID DD fees. I have run these figures through the supplied spreadsheet and it calculated that there is a further £31.90 in interest which makes a total of £821.90 I have customised the letter in the library and have the following ready to send... I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I calculate that you have taken £790.00 plus £31.90 which you have charged me in overdraft interest for the sum which you have taken. Total £821.90 Additionally you have entered a default notice against my credit record. This default occurred merely in respect of unlawful charges levied by you or was the result of impecuniosity caused directly by the taking by you of penalty charges which you had applied unlawfully to my account. Is this correct? P.S. This is my Joint Account which is the better of my two accounts and I intend to claim back all charges on both my accounts using this forum as a timeline. I will keep this thread updated untill it is settled or otherwise. Thanks Mark

Sorry I did allready read the FAQ's and the stickies but I was being lazy. Thanks for the quick reply. Could someone tell me what address I need to send my DPA letter to?

Hi, Over the past two years I have been charged well over £1500 in bank charges including unpaid Direct Debits, Overdraft Interest, Returned Cheques etc... I desperatley want to claim these charges back but I'm not sure where to start. I am about to send a DPA notice to the bank asking them to detail the charges. Where do I send the letter to? I bank with Lloyds TSB and I live in Scotland. Is it possible for someone to post a very brief step by step guide to recovering these charges? This is a truly excellent forum and I will most certainly be reccomending the site to everyone who will benefit. Thanks in advance Mark