Lloyds Bank - The Template Response Letters

[Katel30uk]

Thanks rdeload, it was just the bit at the bottom I was wondering about:

 

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 only 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 guidelines on credit card default charges do not in any way apply.

 

It is the bit in red that confused me? Is it just their usual bollocks?

[reload]

Yep

 

The original OFT statement says it believes that similar principles apply to penalty charges relating to standard bank accounts as opposed to credit cards. So in other words: They're just telling you what their lawyers want you to believe.

[macdond]

I Don't Know If This Could Be Classed As Something Different But Lloyds Phoned Me A Few Days Ago To Apologise For My Complaint And Asked Me If I Would Be Happy To Fill In A Customer Service Questionnaire! Apart From Fall On My Ass Laughing I Quite Kindly Asked Them To Write To Me If They Wanted To Contact Me Re Anything!! How Cheeky Is That! Has Anyone Else Had Phone Calls Regarding Your Claims?

 

Donna X

[reload]

Hmmm, can't say I did Donna - I'm guessing it's a case of "Pick complaint letters at random and send them a Cust Service Questionnaire", though - irrespective of the actual complaint.

[lurchy666]

several people seem to get this one as there responce to the first letter now

 

""Thank you for getting in touch with us. I am sorry you are unhappy over your account charges. Like any business, we do make a charge for some of our extra services. When a customer doesn't have enough in their account to cover a payment, this always means additional work. We must either make the payment for you via an overdraft or send the payment request back. Either way, it has to happen speedily. We feel it's only fair to charge for the extra work involved.

Of course it is only fair, too, that we're completely open about any charged-for services before you take them up. That's why we take care to provide every new customer with the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, via our helpline and on our website.

 

Just as importantly, we do everything we can to help our customers avoid charges altogether. I'm sure you'll know how easy it is to keep a running check on how much is in your account. You're free to get an up-to-date balance at any of our cash machines, over the phone, online and nowadays even by text to your mobile.

 

If you know a payment is going to take you over the limit, you're welcome to see if we can raise your limit - and we can usually give you an answer straightaway. You might know, too, that we don't usually charge fees if it's the first day in 12 months that you've gone overdrawn without agreeing it with us beforehand. And we never charge an overdraft excess fee more than three times in any one month, however many times you go over your limit.

 

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 only 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 guidelines on credit card default charges do not in any way apply. I do hope you can see that we make our charging system as fair as possible - and why I cannot agree to cancel your charges.

 

This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. I have enclosed their leaflet that outlines how to contact them.

Thank you once again for taking the time to raise your concern with us.

 

Yours sincerely

[reload]

... and back up to the first page

[lurchy666]

i'll give it a bump for u

[closey]

Bump bumpety bump everyone!

[yoshimi176]

yep, just received this one today - time for the LBA now!

 

 

several people seem to get this one as there responce to the first letter now

 

""Thank you for getting in touch with us. I am sorry you are unhappy over your account charges. Like any business, we do make a charge for some of our extra services. When a customer doesn't have enough in their account to cover a payment, this always means additional work. We must either make the payment for you via an overdraft or send the payment request back. Either way, it has to happen speedily. We feel it's only fair to charge for the extra work involved.

Of course it is only fair, too, that we're completely open about any charged-for services before you take them up. That's why we take care to provide every new customer with the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, via our helpline and on our website.

 

Just as importantly, we do everything we can to help our customers avoid charges altogether. I'm sure you'll know how easy it is to keep a running check on how much is in your account. You're free to get an up-to-date balance at any of our cash machines, over the phone, online and nowadays even by text to your mobile.

 

If you know a payment is going to take you over the limit, you're welcome to see if we can raise your limit - and we can usually give you an answer straightaway. You might know, too, that we don't usually charge fees if it's the first day in 12 months that you've gone overdrawn without agreeing it with us beforehand. And we never charge an overdraft excess fee more than three times in any one month, however many times you go over your limit.

 

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 only 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 guidelines on credit card default charges do not in any way apply. I do hope you can see that we make our charging system as fair as possible - and why I cannot agree to cancel your charges.

 

This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. I have enclosed their leaflet that outlines how to contact them.

Thank you once again for taking the time to raise your concern with us.

 

Yours sincerely

[wifey1962]

Hi all can anybody point me in the direction of a template for a first letter to claim charges etc back?

[closey]

Firstly, have you read the FAQ's. They are here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

All the letter templates you’ll need are here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Finally start your own thread in the bank forum relevant to you. That way you can keep a timeline of your progress and receive help and support where needed.

[bearo]

bumpers!

[reload]

... back to the top

[ussff]

Its interesting that this thread started in June... and encouraging that they have not changed tactics yet! ...and yup - we've had pretty much the template standard responses through September - N1 was completed and presented this week!

[sweetpants]

I got the usual response to my prelim and then received an enforcement notice so after following a few threads on here I sent a letter back with my LBA stating that the account was in dispute and requiring them to cease action on the enforcement and remove any reference to the debt from any credit reference files.Notice Persuant to s.10 of the DPA.It also referred to the fourth first and sixth principles.The response I got was as follows.

Regarding your letter of 11 sept which incorporates a notice under s.10 of DPA I have assumed that the processing referred to in your notice is the registration of default information with credit reference agencies.

I must advise you that we are unable to comply with your notice since we believe that the data that we disclose to credit reference agencies is accurate and we are therefore not in breach of the Fourth Data Protection Principle.I enclose a leaflet that gives the addresses of the agencies we use so that you can obtain a copy of your credit file and check your personal data.

With reference to your comments about the First Data Protection Principle we have complied in that you were informed about the uses and disclosures of personal data at the time of account opening and we have fulfilled what the act refers to as the "fair processing conditions".Your data has been processed in accordance with your DPA rights so there is no breach of the Sixth principle.

We do not accept that we are processing your data in a way that causes or is likely to cause substantial unwarranted damage or substantial unwarranted distress.We believe that we are justified in passing your data on to credit reference agencies.

[reload]

Jeez, it's next to impossible to get Lloyds to pull their head out of their **** and smell the roses, aint it?

[miapia]

Hi

Can anyone help me out please. Im now on the stage where im filing with the courts. ive printed off the N1 form. What and how do I fill it in. Do I hand it in to the sheriff courts in Glasgow even though the Lloyds bank ive been sending to is in Birmingham. Please sumbdy help me.

Im claiming 742 pounds not including interest. :confused:

[munz]

i'm waiting for a responce o my email of last sunday - should I perhaps email again to see if they got the first one?

 

Lou.

[reload]

miapia,

 

Judging by your question, you're based in Glasgow? If so then yes, the Sheriff's court in Glasgow would be the place to go. The Bank Templates Library has some useful advice on filling out the N1 form, in particular: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Munz, might be worth a go - never know your luck.

[Harry the hamster]

I received this letter in response to my LBA,couldnt see it any where so here it is:

 

Thank you for your letter dated the 15 September 2006. I have noted your comments, but unfortunately i cannot add any further information to our previous letter or agree to your request. Since the bank's final response has been issued, i must advise you that we will not be entering into any further correspondence regarding the points you have raised.

 

Yours sincerely

Jamie O'Neill

Assistant Manager

 

 

This is now the third letter i have had from TSB, and every time it is from somebody different!

[reload]

Sounds very similar to the last letter in my first post Harry

[brian earl]

im after starting a case against lloyds tsb i think it will be about £4500 they will owe me but i not very good with words can any one help me please

[mooreda]

i wish the bank would learn that we mean business! it's costing them thousands and thousands with cases of this nature being forced through the Courts. If only the shareholders knew!

[kfdh1962]

im after starting a case against lloyds tsb i think it will be about £4500 they will owe me but i not very good with words can any one help me please

 

Hi Brian,

take time to read through the FAQ section on the site. There is a step by step guide to the whole process of reclaiming your charges. The library also contains template letters for each step of the process

Start your own thread in the lloyds forum and then it will be easier to track your progress and to get help and advice from others.

 

go get em!!

[jessyireland]

Hi I am new to this and very nervous. Although I am not stupid things to do with the law kind of fly over me as I dont really know much about it. I have just sent off my first letter to Lloyds asking for the full amount of my charges which I reckon to be around £3-£4000. For someone who only take home just under £1000 a month thats alot of money to loose so I am hoping to get somewhere and not be scared off by any off their responses. Any advice or tips will be grateful