Hello, Newbie here.

[Unimexsol]

Hi everyone,

 

I'm a complete newbie and there seem to be thousands and thousands of threads on here.

 

My situation is that I took out a Lloyds TSB account when I became a student in 1995 and have (unfortunately) incurred "over your overdraft" charges ever since. I also have a business account with them and a loan account with them. I would estimate that my charges have been approximately 80 pounds per month throughout that time (bloomin' 'eck I've just calculated that that comes to about 10k!).

 

As there are so many threads I wonder if someone would be good enough to direct me to how to start the ball rolling. I am registered for the online banking system and so can trace the level of charges back to July 2002. Is that the best way to start?

 

I've seen some lawyers offering a "No win, no fee" service for reclaiming this money. Would it be worth my time engaging one of them to reclaim it for me or am I just as likely to be successful by myself?

 

I'd really appreciate it if someone could put me on the right lines.

 

Thanks

[HD]

Hello and welcome.

 

The best place to start is the FAQ section. Take the time to read through this and understand the process.

 

You can then use the step by step guide.

 

If after you have read the FAQs you still have any questions come back and post them here. You might want to title the thread unimexsol v LloydsTSB to make it easier to find. Use this thread to post any questions and keep us updated on your progress.

[Unimexsol]

Thanks HD,

 

I had already read the FAQ's before I posted, and have re-read them several times since.

 

I was interested as to whether it would be worth my while using a no-win, no-fee solicitor but I think that I feel confident enough to start the ball rolling myself.

 

I am aiming to put in an initial claim for 5k, and then (once they've paid up) I may try to go back further than the 6 years for the additional 5k.

 

I'm really nervous about starting this but if I am successful it will make a massive difference to my financial affairs.

 

I will start a Unimexsol v Lloyds thread as soon as I've started proper.

[jonni2bad]

I wouldn't use one, and I wouldn't advise using one either.

 

Firstly, "no win no fee" will cost you - why give your money away?

 

Secondly, just because there is a facility for "NWNF" it doesn't mean solicitors would be willing to take the case on, and you are also then putting faith in someone who probably has no experience of dealing with these claims, since they are relatively new.

 

All the info you need is on this site, it's not overly complicated, and the most you are likely to 'risk' is the court fee.

[Unimexsol]

This topic was closed on 10 March 2019.

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