Reclaim of 6 years bank charges Lloyds

[dizzy]

Hi there,

 

I have been considering writing to Lloyds to try to reclaim bank charges dating back 6 years on a current account i have now closed with them.

 

I have researched alot on the forums and of course since the 2009 ruling, gernerally payouts are only to someone in hardship.

 

I have been through all bank accounts statments and highlighted, totalled the charges and now had=ve to draft up a letter stating my hardship and reasons why i think i shoud be reimbursed. With regard to hardship, i have not been made redundant, been terminally ill or anything like that but felt the charges upon charges put my in a very difficult position and am going to write on that basis.

 

Does anyone have any advice for me?

[dizzy]

Does no one have any advice on this??

 

I am in the proccess of drafting up my letter to the bank using the template letters and posts from people on this site. However there doesn't seem to be anyone that has tried to claim this last few months that has posted.

 

I am going to try in any event and would be so grateful for any advice, ideas of cases and support from the site.

[dizzy]

Does nobody have any advice on this? I will send off my letter to the bank and post my outcome.

Hi there,

 

I have been considering writing to Lloyds to try to reclaim bank charges dating back 6 years on a current account i have now closed with them.

 

I have researched alot on the forums and of course since the 2009 ruling, gernerally payouts are only to someone in hardship.

 

I have been through all bank accounts statments and highlighted, totalled the charges and now had=ve to draft up a letter stating my hardship and reasons why i think i shoud be reimbursed. With regard to hardship, i have not been made redundant, been terminally ill or anything like that but felt the charges upon charges put my in a very difficult position and am going to write on that basis.

 

Does anyone have any advice for me?

[helpneeded123]

How did this go, I am going to do the same thing! I am very keen to hear what has happened!

[slick132]

Hi Dizzy,

 

Did you get anywhere with your approach to the bank.

 

Have a look at using BCOB to force the bank's hand - http://www.consumeractiongroup.co.uk/redirect.php?x=http://www.consumeractiongroup.co.uk/forum/content.php?827-Examples-of-unfair-treament

 

One vital part of claiming on the basis of Financial Difficulty (or hardship) is to show you were suffering FD using a budget planner. Also, claiming FD for the last 6 years may be difficult as it's more difficult NOW to show you were suffering THEN. I wonder if you would get any joy going back to the bank and addressing more recent years.

 

BCOB came into play in 2009 so you'd still have 4 years of charges to focus on.

 

[slick132]

@ Helpneeded

 

I've replied to you on your own thread.

 

[Grotesque]

Where's that?

[slick132]

Here - http://www.consumeractiongroup.co.uk/forum/showthread.php?386161-Do-I-have-the-grounds-to-claim-back-charges-under-quot-hardship-quot

 

[Irisheyes50]

Hi i am thinking of doing this how did it go with you did you claim?

 

Thank you

[Irisheyes50]

How did this go, I am going to do the same thing! I am very keen to hear what has happened!

 

Hi i am thinking of doing this how did it go with you did you claim?

 

Thank you

ps i am with Ulster Bank