THERE MUST BE A CATCH????

[robbo14]

Hi, new member here, i have been given this forum address and have read about the procedures used against unlawful bank charges.I really want to believe what is said here but if it sounds too good to be true then it generally is.

I have been charged month after month by Lloyds Tsb, struggling to find bills money because they have taken most of it, i am fighting a losing battle here trying to get charges reinstated via Indian call centres and to get my money back would be unbelievable.

Please please tell me this is real i want my money back.

 

Robbo

[richardc]

Everything you have read in the FAqs is correct.

 

The only "catch" is that it is not a foregone conclusion the Lloyds will roll over. You must be prepared to go to court

[intersimi]

Use your already fully utilised overdraft to pay for the court costs Hopefully, your lucky and not have to go to court. I am personally preparing for the worst case scenario

[robbo14]

Ok so ive worked out charges back to July 2002 to be £793.67, do i request statements for the full 6 years or claim back this amount.(i could only go back to July 2002 via my online account).

 

Robbo

[richardc]

Use the specimen DPA letter in the Library to ask for a listtof charges and details of manual intervention on your account. Try and get as much out of them as possible

[intersimi]

Richard, I have done exactly the same mate. I posted my letter this morning for charges of close to £3000.

 

I used the spreadsheet in the Library section to work out the interest individuall for each bank charge, as that is what you are entitled to. Then I used the Request for Payment letter and used the figures produced by the spreadsheet to fill in the required figures by the Letter.

 

I then e-mail contact.us@lloydstsb.com and contact.us@lloydstsb.co.uk and I seperately, snail mailed the letter to my own branch addressed to "The Manager"

[robbo14]

To whom do i send the request form?

[intersimi]

I posted it to my local branch. You can find their address on your check books.

[intersimi]

Just to clarify the word "local". I live near reading in Berkshire, but my "local" branch is actually in Fareham. I have tried to get it moved closer, so that I can talk with my Branch Manager, but Lloyds are not willing to do this. No doubt, this costs them money and hence is not something they wish to do.

[robbo14]

Thanks for your help Intersimi

[intersimi]

No problem mate. We are in the same boat and going through this at the same time. We should all try and help each other as much as possible

[robbo14]

Ok, so i have received a response via email stating that my complaint will be passed on to the relevant persons.Also this morning 2 letters from my branch manager saying that my complaint is being dealt with and i should hear within 5 days.

 

Robbo

[richardc]

Don't expect miracles. Just follow the process. Keep us posted

[robbo14]

This morning i received the standard letter stating when i became a customer i was given details of charges blah blah blah, i also received my statements dating back to Feb 1999 with the standard £5 per sheet fee waived because of the circumstances.

So now i wait 14 days from the date of my 1st letter to tell them i am unhappy with their response.

 

ALL GOING TO PLAN

 

Robbo

[Merly]

Good luck Robbo, I'll be keeping an eye on your posts as I'm thinking of doing this myself cause lloyds have been gits to me.

 

Please keep me posted

[intersimi]

I am one step ahead of you Robbo, I plan to enter my "Letter before Action" on the 23rd March

[robbo14]

Letter before action posted today to Mandy Horton,Service Recovery,Birmingham.Just 14 days away from court action, cant wait.

 

Is there anywhere on the forum to list persons who have succesfully recovered their money??

 

Robbo

[robbo14]

I have filed claim online for £793.67 plus 8% interest after receiving letter stating this is their last response to my complaint.

 

Robbo

[Lotta Littlies]

Well done, keep us posted!

 

Lotta

[robbo14]

Claim No 6QZ27327

[robbo14]

Hi, not posted for a while but thought i'd better update, the bank has entered their standard defence and i have been sent an allocation questionaire.

 

Is there a particular way to fill this form in, i mean the 1st question asks if i would like a stay which gives an opportunity to agree a settlement, do i tick yes or no???

 

Any help most appreciated.

 

Robbo

[robbo14]

I am now at the final stage of recovering my hard earned but am unsure of filling in the questionaire.Should i list any reports, evidence etc and do i tick yes for a stay?

Do i need to list any additional info, any help is most appreciated.

 

Robbo

[jonni2bad]

We are working on a form to give you guidance which will hopefully be in FAQs very soon. If you are getting too close to the deadline for responding to it, please PM BankFodder and he will help you out.

 

Don't do this unless you really are running out of time though, as he is incredibly busy, as I'm sure you can appreciate.

 

John

[Yasmin]

Hi I also have to complete allocation questionairre for Egg, not sure really. Mine has to be in quite soon about 5th June. Please let me know how you have decided to go with yours..any help gratefully received...

[jonni2bad]

There will be help in our FAQs very soon - please keep checking.