Lloyds TSB

[nicsussex]

If you already have all your statements - can I ask which letter it is that you are sending?

[cp1949]

Premilinary letter plus spreadsheet

[nicsussex]

Premilinary letter plus spreadsheet

 

For which there is no fee!

[cp1949]

I sent my first letter to LLoyds TSB and got a reply saying that they have asked the FSA to suspend the normal timetable for dealing with bank charges complaints with relate to unauthorised overdraft fees. They are saying that the £35.00 charges for returned direct debits is a fair charge for a banking service.Can you advise me what I should do next. They are waiting till the outcome of the court case before they do any further dealings.

[cp1949]

I sent off my first letter and received a reply back from LLoyds saying that their bank charges are a fair bank charge, which incidently is £35.00 for a returned Direct Debit. They are saying that they have asked the FSA to suspend the normal timetable for dealing with bank charges complaints. What do I do next.

[maggiejtbg]

Hi

I feel that if you read through the threads we are advised to carry on as normal. DONT GIVE UP!!!!!!

[cp1949]

Ok should I just send the 2nd letter.

[maggiejtbg]

Yes!!!!

 

Continue With The Timescale And Send Letters Accordingly

 

You Have Nothing To Lose!!!!

[cp1949]

Is the next letter I send a letter before action.

[cp1949]

Can you please let me know if I send letter 2 or letter 3 which is letter before action.

[PeterAnderson]

That's all standard stuff - the advice here is to proceed as normal; if a stay is granted there is some good stuff here have it set aside

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/78216-aqs-stays-strike-out.html

 

And

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/111131-new-forum-stays.html

 

If these fail at least you will be near the top of the pile when the OFT wins the case

[maggiejtbg]

Does letter one ask for your statements? if you have recieved them proceed to letter 2 if you have no reply within 14 days then send letter 3

[cp1949]

I had my bank statements so used letter 1/2 which was a request for repayment of charges and sent a spread sheet showing the amounts.

[nicsussex]

This thread is getting too confusing refering to letters by their numbers - but sounds to me like time for Letter Before Action - you may want to have a look in the scottish forum as well

[cp1949]

Can you please give me a link to the scottish forum as I have looked and cannont find it, maybe I am looking in the wrong place.

[cp1949]

Can anyone give me a link to the scottish forum as I cannot find it.

[PeterAnderson]

You may find that going here is a good start - well least they are Scottish

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/

 

Ah Ha - found it 4U

http://www.consumeractiongroup.co.uk/forum/scotland/

[cp1949]

HI I am new to the Scottish Forum, was in the general forum and was advised to join this one. I have sent my premilinary letter asking for a request of payment of fees as I already had my bank statements. I received a letter back within the allotted time and told that they were not dealing with any claims till the court hearing has been heard. I was advised to continue as normal and I have sent a letter before action. Will let you know what the outcome is.

[maroondevo52]

Thats the way to go cp.

 

Have you read this......

 

http://www.consumeractiongroup.co.uk/forum/general/107550-oft-test-claim-what.html

 

Best wishes with your claim.

 

Regards.

 

Scott.

 

 

[BARTY]

Hi

Here you go:

 

http://www.consumeractiongroup.co.uk/forum/scotland/

 

Good luck!

Barty:)

[cp1949]

HI

 

I wrote an letter before action to my bank on 31st August and as yet I have not heard back from them. I have been on holiday so havent been able to ask this question before. What do I do next, any advise would be appreciated.

[Bigmac versus]

Hi cp1949 can i ask if you followed the advice on here by sending the

1st letter (asking for it back) then the LBA.

If you have then your next step is to start court action

[cp1949]

HI Bigmac

 

I sent letter one as I had all my bank statements, they wrote to me and told me that all cases were being held back awaiting outcome of the test case. I then sent them a letter before action with another statement attached. As yet I have had no reply.

[rory32]

How much is your claim for cp1949?

[cp1949]

My claim is for less than £500 but since I first wrote to Lloyds I have had another 140.00 taken from my account for returned direct debits. Should I just leave the 140.00 .