Lloyds TSB

[Bigmac versus]

No add this by sending the bank another schedule of charges which superceedes any previous schedule sent. You can alter this amount up to filing at court which by the way is your next step.

Small claim will cover it.

[cp1949]

Okay thanks for your help bigmac,,,,,,,,,,,,,,,, can you tell me is there is a download for the court bundles as I dont have winzip

[Bigmac versus]

Your a while away from bundles for now, you need to start your small claims.

[cp1949]

What paper work do I need for the small claims. can you give me a link please to download.

[Bigmac versus]

Have a look below, you need form 1 and 1b.

 

http://www.scotcourts.gov.uk/sheriff/small_claims/forms/Form1b.pdf

[cp1949]

Do I need a solicitor or help from the Trading Standards to fill up the forms 1 and 1b as it looks complicated and not sure how to fill it in.

[rory32]

You don't need a solicitor or TS. Have alook here http://www.consumeractiongroup.co.uk/forum/scotland/94302-updated-scottish-procedure.html Any questions just ask.

[Bigmac versus]

As Rory says any probs give us a shout.

[cp1949]

Can I cross out the part where it said overdraft as my account was a cash account and the returned direct debits hit the day before my pay went in

[Bigmac versus]

Yes

[rory32]

I assume you mean a basic bank account where no overdraft is provided. So rather than put "because the specific overdraft had been exceeded", I would put because insufficient funds were in the account and the account did not carry an overdraft facility.

[cp1949]

I have redone my bank charges spreadsheet due to more charges been taken out since I wrote to them, I sent a letter before action, do I send another letter along with the new spreadsheet and a request for payment or just the spreadsheet.

[Bigmac versus]

Would need a new LBA due to the different amounts, remember and tell them that this schedule of charges superceedes any previous ones sent.

[cp1949]

have done that on the request for payment, many thanks for your help. Will keep you informed of the outcome

[Bigmac versus]

That will do for me.

[cp1949]

Sorry to bother you again I need advise on where to send my letter requesting payment back. I originally sent my letter to Lloyds TSB in Glasgow, the letter I received from TSB was from LLoyds TSB in Andover, but on one of the sites it gives the address as Birmingham.

[Bigmac versus]

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/236-lloyds-tsb-contact-details.html

[cp1949]

Many thanks everyone for bank addresses

[Bigmac versus]

Your welcome anything else just shout.

[cp1949]

HI can you tell me if the 14days from date of letter includes the weekend or is it working days as my bank has not replied to my first letter for request for payment.

[Bigmac versus]

It includes weekends, no reply send the LBA to them.

[cp1949]

Hi I have to send an action before letter to LLoyds TSB and wondered if I have to complain to OFT as said on the bottom of the letter before action.

 

Could you please advise and let me know and if so where do I write to and complain and is there any templates for doing so.

[maroondevo52]

Hi, cp1949.

 

 

Is it a Bank Charges claim?

Have the Bank responded to your LBA ?

Could you fill us in with a little more detail about your claim.

 

 

 

Regards.

 

Scott.

[cp1949]

The charges are for direct debits returned and unauthorised bank overdraft. I sent a letter of request which I have not had a reply to and I will be sending the Letter Before Action tomorrow, but the last paragraph in the letter before action template has a bit about submitting a Consumer Credit Act 1974 complaint to the OFT. I did have a thread regarding this but I have had to resubmit a request letter superceding any prior correspondece but I could not get back into the thread to send another post.

[rory32]

but the last paragraph in the letter before action template has a bit about submitting a Consumer Credit Act 1974 complaint to the OFT.

You only add that if it's relevant.