Etali Vs Lloyds TSB

[etali]

OK, I've been reading this site for a while, and I've decided to claim back my Lloyds charges - they total 922 at this stage :o

 

I'm expecting another 90 quid fee this month - I just can't break the flipping cycle of charges at the moment since I'm on benefit I'm sending my Preliminary approach letter today, but theres one thing I'm unclear on - will I be able to reclaim any charges that go on between the Preliminary letter and it getting to court? Is there anything I need to change in the letter to reflect the fact that I want to claim for future charges too?

 

I was hoping to get myself 'under control' charges wise before claiming - sold a bunch of stuff to try to avoid needing to go overdrawn, but it hasn't quite worked out yet

 

Thanks in advance for any advice.

[Rosemary]

Hi Etali

 

If you have received prior warning of these charges (usually given at the bottom of your previous statement), I would add them in at this stage.

 

When I finally went to court with my claim, I added on the new ones and as I did my claim on-line (which doesn't allow for 'an attachment'), I sent a copy of the new breakdowns + 8% interest claimed (which you do when you claim) + notification of my costs incurred by going to court, to them for their info. Needless to say, I got no response.

 

The other thing you may find is if it goes to the point where their solicitors submit a defence to your court claim, it does seem that the solicitors don't always get your breakdown which you originally sent to the bank anyway. I feel sorry for them because it seems the bank doesn't always send to them all the details you gave them in your original prelim letters.

 

So don't worry too much!

[etali]

Thanks for your advice.

 

I do online banking, and don't get statements, but I do get letters saying 'you have gone overdrawn, we will charge you' but they don't say how much. I'm *hoping* it will only be 60 pounds this time, not 90, but I'm not absolutely certain and the letters don't say how much you'll get charged, so I'm budgetting for 90 just in case. I wouldn't want to put the amount on the claim letter - if its wrong then that might lead to trouble with the rest of the claim.

[etali]

Well, sent my letter last week, got a reply today dated the 22nd saying thanks for your complaint, we take them all seriously and hope to respond within two weeks..

 

I'm expecting to get fobbed off, but lets see what happens.

[etali]

Got a letter back from them - basically saying no we won't refund your charages.

 

I'm worried about this bit:

 

'But the important point is that the guidelines nly concern 'default' charges. The fees we charge for going over an overdraft limit and for returned payments are not any kind of default penalty. They are fixed standard prices for the service we provide in these situations. So according to our legal experts, the OFT's guildelines on credit card default charges do not in any way apply.'

 

Is that true? I'm inclined to push ahead with action anyways, but I want to double check I can claim back my overdraft excess fee charges.

[reload]

Carry on as usual

[etali]

Belated thanks! (been having net connection problems).

 

I'll send my LBA tomorrow then.... complete with the extra 90 pounds they charged me today.

 

Stupid WTC people haven't paid out

 

Thanks again.