Historical Lloyds TSB Card charges

[Kholoshian]

Morning all,

 

Another aspect of our ongoing saga with Lloyds TSB.

 

Having been through 29 years worth of statements whilst on the PPI trail, the following list of creditcard charges also caught my eye.

I've uploaded a CISheet with the charges listed, the date of each and i've calculated the average APR across the period.

 

Question: What are the chances of success here? I know the charges over £12 were deemed unfair but is this way too far back?

 

Question: Should I go for the full amount or just the balance over £12 (there seems to be differing opinions), although I'd assume if a charge was unfair it would be unfair in toto?

 

Question: If the numbers are right it takes me over £10k for the SC track limit - which i guess is going to get expensive and does not limit exposure to costs?

 

Your sage guidance is, as always, much appreciated.

 

Thanks all.

Mike

CISheet v101-LloydsCAGUpload.xls

[dx100uk]

is the card still active?

 

dx

 

[Kholoshian]

Hi DX - yes it is still active

 

Does it make much difference?

[Kholoshian]

Had a call Saturday morning from an 'Adviser' at Lloyds asking my wife to call regarding her complaint.

My wife called them simple to say that she wont be discussing anything over the phone and instructing Lloyds that she required everything in writing. 

 

The 'adviser', who my wife described as slick as an oil spillage, said of course he would write and that he was sure that when she received the letter, should she have any queries about its content he would be happy to speak to her on the phone.

That clearly sounds like they expect the letter to be the end of the matter.

 

 

[dx100uk]

as for the sums

are you sure that % is correct for an OD?

[Kholoshian]

An OD? Do you mean an overdraft?

 

It wasn't an overdraft it was a credit card. The percentage is an average of the APR over the months where charges were levied.

[Kholoshian]

Hi Dx, I know you are v busy but could you give advice on how proceed (or not).

 

Thanks