Today is the day Princess!

Here is my e-mail to the Bank:

I have now recieved my statements going back the full 6 years as requested. Please accept my thanks for this.

 

I am now able to make a corrected figure of the unlawful charges that you have taken from me over the 6 year period. The total figure now stands at £3500. The interest charge as originally stated by myself are not owed to me, as they are a lawful charge by yourselves.

 

I re-iterate that the charges I have requested are in the sum of £3500 since 7th August 2000. You have until 6th April to make full payment to me, or else I will proceed with legal action to retrieve the said amounts.

I had a large letter come in the post today containing all of my bank charges going back to August 2001, and then photo copies of statements going back to January 2000.

I have added up the total amounts and have a revised figure of: £3500

That means with the Interest from the courts (if it goes that far) it will be a total of: £3700 So that is what I will be claiming when I go to court. I am also going to e-mail LloydsTSB so that they know the revised amount.

Read it all the way through. It is very interesting that the "expert" is saying that they were not aware of how the bank utilises the money obtained by the charges. Like I believe that!

It is ok. It seems that the forum lost my Instand Notification setting when the site moved across. All sorted now

Any idea why my thread subscriptions not longer send me an e-mail when they are updated?

Same here really

How do you get one of those numbers Dave? And are they free?

I could do with one for when a company asks for my Phone number etc.

Looking at other responses from other users etc, it seems that the Bank will always choose to defend, but more often then not offer a "deal" just before entry in to the Court of the full amount, plus interest and plus costs. They normally do this, or you go in to the Judges chambers withour the Bank and win by default , which is ideally what you want in my opinion.

That is a nice tidy sum you have there

Thanks guys. In order to get the default edit tags buttons when you reply to a post, you have to enable them in the 'user CP' sections.

I know how to manually edit tags etc, but was at a loss as to where the buttons went. I know a lot of users are not used to coding.

Looks like the smilies on the WYSIWHG area, when replying to posts is missing some graphics

The retail stores forum does not allow anyone to post.

The only real solution the banks have (if they wish to maintain a customer base long term) is to demonstrate what is a fair and reasonable cost.

You are making it sound like they are trembling about their loss of customers. I think the reality is, they aren't trembling at all at the moment. Things like this have been going on for years. I have been a member of Lloyds for some 19 years. The banks made 3 Billion last year from charges alone. A million pounds given back to the few potestors like us, is pretty much a drop in the ocean, as long as they can show that it is a lot of hassle to take them to court.

The media attention that the banks are recieving just now, will eventually fade away as it become a little too often, until the either, the law steps in (which is good for us) or the consumers stop actioning (which is bad for us).

I personally think, that the bank will come up with new ways to slow down our progress and hence restrict the number of people willing to do all the paperwork to claim their money back. Most people I talk too aren't bothered by it, which winds me up a bit.

You have lost some of the nice functionality with the new forum layout.

A lot of new people will find it harder to quote letters etc unless they know the "quote" tags to be used. The old forum used to have buttons for this, the new one does not have the buttons.

I must admit, even though the this version looks newer and cleaner, it is also slightly confusing with whether I have a new post or not. The icons on the left of the posts are a little too busy.

Just some of my comments, not meant to criticize.

I had that exact same letter. I also emailed them a few days back with a copy of the DPA request. They e-mailed me back with the following:

Dear Mr Intersimi

 

Thank you for your e-mail's dated 19 March 2006 and 23 March 2006.

 

Unfortunately I am unable to add any further information to Mandy Horton's letter dated 10 March 2006 and can only refer you to the terms and conditions of your account. However, I respect that you have your own opinion about our charges.

 

Regarding your request for details of charges on your account since March 2000, I can advise that I am prepared to accept your request under the Data Protection Act. However I should point out that there is normally a £10 fee for information requested under Data Protection, although I am prepared to waive this on this occasion. I have asked for copy statements to be produced for the period in question, which will highlight the charges you have referred to and I will send these to you within the next three weeks, which I trust will be acceptable.

 

This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. I have attached a leaflet, which outlines how to contact them.

 

 

 

Yours sincerely

 

 

 

David Just

Assistant Manager

Tomlin Orders makes sense now. Thanks all who replied.

I think the answer to the question is simple.

Yes, you are missing the point.

I am on one claim now (main account) going back 4 years. This is almost £3000, when my statements turn up, I could well be close to the £5000, so I think I will only claim for the main account this time around, then when that is all done, make a start on my other account (only about £250 owed).

Would that be reasonable?

Sorry Richard.

I have two accounts with Lloyds, my main account, which I am in the middle of processing with the bank, plus a seperate account. My seperate account had charges applied to it a few years back.

Basically, I have only mentioned my main bank account in my letter to the bank. Can I also claim via the court for my other account charges?

http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=2631

What is this?

Would that include charges to other accounts withthe same bank?

QUESTION:

If I recieve my statements from Lloyds before court action, can I then include the charges going back 6 years (additional 2 years) rather than the 4 I have requested off of them so far, in the court claim?

It has been quite a busy day today regarding Lloyds.

First of all, I get a phone call at midday in relation to my letter. The first letter requesting my charges back. The lady informed me of the terms and conditions (as she is programmed to do), I informed her that they are unlawful etc etc etc. She then went on to say that I have £70 of charges coming out of my account this month and that she would waive these charges as a king gesture from the bank. I informed her of my second letter and that I have given them another 14 days before going to court.

Then, I come home to find a latter stating that they have recieved by request for DPA and have 40 days from reciept of £10 payment to supply them (I did not send a cheque).

Then I check my home e-mail and see the following e-mails:

Letter Before action

 

Thanks for your e-mail.

 

I have passed this on to Mandy Horton, the designated case handler dealing with your concerns.

 

Regards

 

Keith Boden

Lloyds TSB

Service Recovery

Birmingham

and this one:

Our Ref : xxx/xx/xx/xxxxxx

 

Dear Mr Intersimi

 

Thank you for your e-mail's dated March 2006 and March 2006.

 

Unfortunately I am unable to add any further information to Mandy Horton's letter dated 10 March 2006 and can only refer you to the terms and conditions of your account. However, I respect that you have your own opinion about our charges.

 

Regarding your request for details of charges on your account since March 2000, I can advise that I am prepared to accept your request under the Data Protection Act. However I should point out that there is normally a £10 fee for information requested under Data Protection, although I am prepared to waive this on this occasion. I have asked for copy statements to be produced for the period in question, which will highlight the charges you have referred to and I will send these to you within the next three weeks, which I trust will be acceptable.

 

This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. I have attached a leaflet, which outlines how to contact them.

 

 

 

Yours sincerely

 

 

 

David Just

Assistant Manager

 

>

hummm, still no refund of the charge!

I phoned the Branch manager who refunded the charge, and whom I recorded. They said they were sorry, the refund was showing on the system. After they checked, they said that they have a lot of refunds going through at the moment and that it should be paid in today.

It seems to be that either of two possibilies have occured:

a. They have not paid it back and were waiting to see if I chace it up

b. They do have a genuine backlog and this process is manual.

In eaither case it is not really acceptable. I recoreded this conversation too . But for my own private use (did not tell them)

My letter is addressed to the Fareham branch, but I am going to hand deliver it to my Local branch in Reading, so I know they have it

I have also e-mailed a copy to contact.us@lloydstsb.co.uk

I added the comment that the e-mail is a copy and a letter has been posted the the address as indicated.