2392 Ann v Lloyds tsb

[2392ann]

Hi Ive just sent my second letter to Lloyds TSB requesting bank charges refunded, has anyone got anywhere with them yet?

[Josamolly]

yes there are lots of people who have been successful. Go to the Lloyds forum and you will see.

[2392ann]

I recently sent letter requesting bank charges be refunded to me (LTSB), I don't use this account anymore, so it would not bother me if they do decide to close it down, (I have heard that this might be what they will do).

 

I want to challenge my credit card company's but I still have outstanding balances on them, does anyone know what could happen, are they likely to demand the balance to be paid off or cancel my credit cards?? Can anyone help?

 

p.s. Fantastic sight, good to know I'm not the onlyl one!!

 

Ann

[2392ann]

I am currently reclaiming bank charges (awaiting letter of response). As I wasn't in a position to bring my account into the black my only option was to take out a loan with my bank (their advice) to clear the unauthroised overdraft; can I reclaim back the interest of the loan?

Can anyone help??

[maroondevo52]

Hello and welcome,

 

I claimed back charges against BOS Visa the case has still to go to court,

they recently asked me to cut up my card, they said I can still make payments to the card as normal but do not have to pay the outstanding balance all at once. Have a look in your credit card company Forums and ask some questions there. Someone will help you out.

 

Hope this helps.

 

Regards.

 

Scott.

[MARTIN3030]

Welcome to the site.

If what you say is true and can be proven with some degree of certainty you may be able to claim back the loan as well.

Read the faqs and start a thread in your bank group.

[2392ann]

Thanks Scott for the advice and good luck with your credit card company.

[2392ann]

Hi, I've sent letter along with list of charges to LTSB last week, looking forward to hearing from them.

Last year I had a d/d returned etc etc which once they added their charges amounted to a small fortune. As I counldn't bring my account back within the agreed limit my only option (under their advice) was to take out a loan with them, I am still paying off this loan; can I reclaim the interest and repayments of this loan as it was due to their hiddious overcharges that I needed the loan.

 

Hope this makes sense to someone.

 

Ann

[Enron]

If memory serves me right `gizmo111` is in a similar situation, search for her username and get in touch - think she's on court on the 22nd February for the same thing which you want to tackle here.

[2392ann]

thanks will look her up

[2392ann]

Hi, Enron gave me your username thinks maybe you could help me.

I have had to take out a loan to cover the inflated bank charges from LTSB (their advice). I am in the process of asking for a refund, can I claim back the interest and/or repayments on the loan, my way of thinking; if they didn't charge such high charges I wouldn't have had to take out the loan.

Any idea?

Thanks

[2392ann]

I've just received the standard letter responding to my request of refunding bank charges; do I now send the LBA letter? The template states that I am dissapointed that they haven't responded to my letter!! Does that mean they have not repaid the charges or not written back? Just checking in case I send the wrong letter. If this is the wrong letter what one should I now send?

Can anyone help?

[mishey20]

I have just sent the LBA letter today but as the bank did reply to my preliminary letter i just changed the wording to say 'I am disappointed you have not responded positively'

 

hope this helps

[lucid]

It is absolutely fine to slightly change the wording to meet your needs - it is just a template letter.

 

Good luck. Lucid

[2392ann]

Thanks for the advice, I shall change the wording and send off tomorrow.

[2392ann]

I have sent off LBA letters, counting down the 14 days!

[2392ann]

I've sent off the preliminary letters to LTSB, I am reclaiming bank charges on 2 different accounts to keep below the £5000 limit for the small claims court.

I received a standard letter saying i should have been more carefull and that the charges are justified. I replied to this letter using their reference for both of the accouts I am claiming for.

Today I received another standard letter with a difference reference (I am assuming one reference to each account), but on the second letter there is an additional paragraph which I am a bit concerend with, quote

 

'You've mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don't agree with the OFT's thinking on this and we're still talking it through with them. But the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. The fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you haven't broken you agreement. They are our prices for the service we provide in these situations'

 

Is this anything for me to be concerend with?

I have also tried to contact them (unsuccesfully, constantly engaged) via the phone to confirm which reference is related to which of my accounts.

I have already sent off my LBA letters for both accounts, I put the same reference on both letters as I had only received one letter at that stage, any ideas on what I should do?

[lucid]

No you don't need to worry - it's a standard paragraph from on of their template responses. I wouldn't bother trying to contact them by phone as they are usually very unhelpful. I wouldn't worry about the reference you put on the letter - I don't think it's a big deal. They know full well that if they responded to your initial letter it would have been the same template they always use.

 

Lucid

[2392ann]

Thanks Lucid. This site is so helpful, it really puts my mind at rest when dealing with the 'big boys', I'm sure without it most people would give up without it.

Thanks again.

[2392ann]

I need to ask for more advice with my claim with LTSB, how do I continue adding to my threads without staring a new thread? I know this might be a stupid question but I cant seem to work it out, do I just reply back to last thread?

 

I've had no response from LTSB from my LBA letter, what template do I use next there seems to be two different letters, just want to make sure I send the correct one.

 

Thanks

[Bookworm]

I need to ask for more advice with my claim with LTSB, how do I continue adding to my threads without staring a new thread? I know this might be a stupid question but I cant seem to work it out, do I just reply back to last thread?

 

I've had no response from LTSB from my LBA letter, what template do I use next there seems to be two different letters, just want to make sure I send the correct one.

 

Thanks

 

Yes, just reply to your own thread. (I'll move this post to your existing one once I find it.)

 

If you have sent the LBA, which is the 2nd letter, then it's time to sue. If you mean you sent the Prelimin ary letter, then it's now the Letter before Action (LBA) which is the 2nd one.

[darling1]

JUst fill in the bit at the bottonm of your thread - "post quick reply" and you can answer and ask questions on your own thread - is that what you meant? or have I got you all wrong

[2392ann]

Darling1 - thanks, that just what I meant:o

 

Bookworm - thanks for the thread but I'm still a bit confused, this is where I'm at.

 

Request for payment letter 18/1/07 - Letter from LTSB that they're very sorry but I should manage my account better and so on.

 

LBA letter sent 29/1/07 - no response, 14 days are up today, I'm very anxious to send next letter, not sure which one?

Do I now send template N1 or MCOL? What's the difference?

 

Sorry to sound dull, but just need to make sure before I go ahead and send the wrong letter.

Thanks

[BARTY]

Hi

You need to start the Court action now. Have a look at point 6 on the following link:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

 

I think the N1 is the better option as it gives you more room for your Particulars of Claim, but it's up to you.

Good luck, please ask if you have any more questions.

Barty:)

[2392ann]

Thanks Barty

That just the info i needed. I'll start court action now.

Ann:D