This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

A happy new year gift from Lloyds in the form of a full settlement of £2946.94. I would like to sincerly thank the organisers of this site. Without your help this money would have been lost to me and I would still be operating in my overdraft. I will now no longer receive large overdraft interest fee's. so as you can continue to help others I have made a donation to your group. Again, Thank you! Especially to BankFodder.

Got a couple of letters from courts today. Staines court sent me a General Form of Judgment or Order that the The claim be trasferred to Guildford County Court for the attention of the district Judge Raeside. Shortly followed a couple of days latter with a letter from the Guildford county court with another General Form of Judgment or Order that the Defedant supplies information by 5th Jan 2007. Ho-hum, Time to go back to sleep and wait...

Received a notice of Transfer of Proceedings today along with Lloyds Defence and a questionnaire from the court (+ a request for a further £100 Fee). The claim is now being dealt with Staines County Court. The Lloyds defence is as follows: "1. The Dfendant Lloyds TSB Bank Plc (The Bank) is a Bank whose registered office is 25 Gresham street, London, EC2V 7HN. It is admitted that the Claimant has been a customer of the Bank at all material times. 2. By opening an account with the Bank, the customer enters into a commercial arrangement with the Bank for the provision of banking services. At account opening a customer is provided with details of the Bank's charges, currently in a leaflet a guide to our banking charges. By using the account, the customer acknowledges that the charges are incoporated into the contract. For personal customers, a number of services are provided for free. notwithstanding that they are an expense to the Bank. Such services presently include, but are not limited to, providing; cheques bankstatements the facility to make payments by direct debit and standing order debit cards ATMs (Cashmachines) 3. By mainintaining the account in credit, or within any limit agreed with the Bank, the customer may avoid most if not all charges. If the customer fails to ensure that there are sufficient cleared funds in the account to cover payments, whether by cheque, debit card, standing order or direct debit, the customer makes a request for a payment to be made from the bank's own funds. If the Bank makes payment, or returns the payment, it provides a service as specified in the leaflet and makes a charge in accordance with the terms of the contract. On page 1 of the leaflet, the Bank explains that there are normally no charges for everyday banking at LloydsTSB when your account is in credit. When you use an agreed overdraft, there is no monthly fee and we only charge interest on the amount you are overdrawn each day. Where you go overdrawn without an agreement or where you use special services, such as copy statements, we will make a charge. This guide explains how these charges work, and when they will apply. If you want to use a service that we haven't listed, we'll tell you the cost of that service before you give us the go-ahead. 4. There is no breach of contract; the charge cannot therefore be a penalty, consequently there is no requirement that the charge be a pre-estimate of the Banks loss. 5. The customer is given advance warning of charges being imposed; statements show the charges, if any, the customer has incurred during the course of a month, and which will appear as a debits on the following months statement. Customers are warned by letter when they go overdrawn or over their agreed limit without arrangement with the Bank. If the customer fails to remedy the position, and payments such as standing orders and direct debits are refused then again the customer is warned by letter. 6. The charges are fair and reaonable, and it is denied they are unlawful. 7. The customer is notified of the charges in plain intelligible language at the conclusion of the contract, and on each monthly statement. The charge are terms which relate to the price payable by the customer for a service provided by the Bank, and pursuant to Regulation 6 of the Unfair Terms in Consumer Contracts Regulations 1999, are not subject to the assessment of fairness. 8. In the premises: 8.1 the charges are for banking services, and are not damages nor a penalty; 8.2 the Bank is entitled by contract to impose the charges, which are fair and reasonable; 8.3 it is denied that the charges are unlawful or contravene any statute or regulation. 9. The Claimants claim is denied in its entirety. It is further denied that the Claimant is entitled to the sum claimed or to any sum from the Bank." Is that a standard go away defence? The small claims track allocation questionnaire (section g) asks for other information. Should I make any request for the bank to provide additional information or just leave it blank?

Received Notice that acknowledgment of service has been filed today. Lloyds now has 28 days from the date of service of the claim form to file a defence. The notice was deemed served on 23rd Sept 2006. Lloyds Solicitors tasked with defending are Sechiari Clark and Mitchell based in Brighton.

Finally got the information together and submitted my Money Claim today. My claim# is 6QZ64040 with the total coming to £2332+£120 Fee. lets see how this rides out... Yes I have opened a new joint account with my wife. It is primarily for savings but I could always jump ship if things get nasty with Lloyds.

Have just created my Moneyclaim account and started drafting my claim using the help provided from the library. Am taking some time to double check my figures before I submit on Monday morning. It's looking as though the final figure is going to be in well excess of £2600. Good news as this will clear my O/Draft. I know I still have a slog to go but I would like to thank all members and especially the organisers of this site. It has beed a great help and fueld my confidence that the money is mine... Thanks!

Got a reply to the letter before action letter I sent last week. Received from Customer Care - General Banking,125 Colmore Row,Birmingham. "Dear Mr Evans Thank you for you letter dated 21 April 2006. I am sorry to hear tha you have not been happy with my response to date. Unfortunately there is little I am able to add to my letter dated 18 April 2006 and I am only able to refer you back to the terms and conditions of your account, although I do respect your opinion about our charges. This letter is the banks 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 compaint through the financial ombudsman service you must do so within 6 months from the date of this letter. I have enclosed a leaflet, which outlines how to contact them. Yours sincerely David Just Assistant Manager" Needles to say I shall be ignoring Mr Justs advice about the FOS. Instead I will be submitting my claim to the courts on Friday 5th May to get my money back.

Yesterday I received the expected reply from Lloyds. I'd sent the first approach for repayment to my local branch in Victoria. The reply came back from Customer care, 125 Colmore Row, Birmingham. Enclosed was a customer service leaflet on how to voice your concerns (I'll enjoy wiping my ass on that later) and a letter that goes somthing like: Dear Mr Evans RE: Account Charges for Overdraft Excesses And Returned Items Thank you for taking the time to contact us about your account. I understand that * You feel that the charges you have incurred are unlawful. * You are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items. * Yuo have requested that all charges incurred should be refunded for the past 6 years. When becoming a customer, we give you details of any charges for the day to day running of your account... yadda yadda.. blah blah... Were right your wrong... It carries on over 2 pages. I reconginse the opening paragraph from others I've read on the site. Anyway, I have drafted the next phase, The letter before action is ready to be posted tomorrow, 2 weeks after my previous letter..

Sent Initial Approach for refund using the template from the libray of £2082.10 Today to my Branch Manager. Whilst I wait for them to send the inevitable standard responses I will draft the letter before action. So Sure that I will need to send it in a fortnight, I have already gone to the expense of purchasing the stamp required...

No. As indicated on the first page of this thread, I initially sent my DPA request to: Penny Berryman Senior Manager Data Protection Dept. 48, Chiswell Street London EC1Y 4X The response for £10 fee came back from Chiswell street. with a Self addressed Envelope to the DSAR Dept. When I phoned up to complain that no one was signing for the Data protection request letters I was sending I spoke to a lady in DSAR Dept in Andover. A couple of days later I got the statements. Lloyds have so many departments. I would stick to sending DPA Requests to Penny Berryman along with the £10 Fee. But I'm sure it will find it's way to the correct person if you sent a cheque along with you DPA to Chiswell street...

An unexpected delivery was waiting on my door step when I returned home from work yesterday. Posted from a Birmingham address over 400 sheets of bank statatements covering the last 6 years. Envelope was ripped (Sound familiar?) and contained in a plastic Parcel force envelope professing their sincere apologies that the envelope was damaged in transit... The standard cover letter reads: Swallow House, PO Box 139 10, Swallow Street Birmigham B1 2AL Your Request for information under the Data Protection Act 1998 I am pleased to enclose the information whichhas been compiled in accordance with the act. Should you require any further clarification regarding any of the material provided then please contact this office for guidance. Chris Brown Copy Statement Unit.

A Recent Development. the letter I sent recorded delivery was returned unsigned for. I phoned up the number on the header of Mr Browns letter requesting payment to complain and spoke to a gently spoken girl which made it hard to be angry. I now have a new address to which to send my £10 fee. DSAR (C49) Lloyds TSB. Charlton Place, Andover, Hampshire, SP10 1RE.

Overdraft Interest fees are legit as they (The bank) are providing a service. But the overdraft interest on a charge is not because the interest although legit is based upon the illegal charges your are seeking repayment on. If you didn't get the charge you wouldn't get as much of the interest slapped on the account. Calculating the amount of interest effected by charges isn't the easiest task. If your using a spreadsheet then it's easier. layout all your charges and interest payments in date order. You can then see where the interest payments fit in. Unless you have a very large overdraft you are likely able to claim the later interest payments back in full as in my case, if I hadn't had years of charges my bank would not need the overdraft.

Personally I'm not taking any risks of another stall. I dated and signed the letter and returned by recorded delivery this afternoon. The photocopy of the letter which acknowledges the request of my original letter and the Royal Mail receipt of returned delivery should be enough to convice the Information Comissioner of a breach should the need arise. I have a fairly good understanding of what is owed to me, but need the statements to confirm and to obtain the charges for the year 2000 to 2002 which I can't see through the web banking portal.