Lloyds Bank - The Template Response Letters

[BARTY]

Hi I have also got the kerry parfittt letters but i still dont have my information requested so cannot act further i sent them on the 25th feb had two letters back last one saying will write again in 4 weeks ! What next ?

 

Hi

If you mean the SAR:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Barty:)

[youmustbejoking]

yes just got the letter from site and waiting for the 40 days which sould be 5th april thanks

[dawny41]

Hi

I havent got my info yet either, the 40 days is up now as i sent my 1st letter 24th feb, they just sent me a standard fob off saying they will look into it and be in touch within 4 week!! NOT GOOD ENUFF!! today i sent them the non-compliance before action letter giving them 7 days to comply, within that time i will arrange my N1 just in-case they dont reply.

Keep me posted of your progress

Dawny

[redsonja]

Lloyds did that with my O/Hs SAR. I sent them the non compliance letter and he received the stats just outside of the 7 days. They never agreed to repay any charges though as they said they were fair roflma! Im now preparing to file.

good Luck folks

[staffiedownwest]

Hi All,

 

Thought I would up date you on the sneaky tactics tried this week. As you will see from the earlier posting by myself, I had last week received the standard Defence from Lloyds Solicitors.

 

Well I logged onto the internet bank on Monday to make sure all direct debits had been paid following receipt of my wages only to discover that Lloyds had put £750 "Goodwill Refund" into my account. As my claim covers two other accounts I checked these to discover a further £750 in one and £708 in another. Given I had not received any communication from lloyds, I went to the local branch and enquired what the payments were. I was told that the notes were not clear on the system and they guessed the payments were inconnection with my claim. Branch unable to give my contact number so left it with them. However, next day received a letter from Lloyds explainng what each payment was, it was a "full and final settlement for my claim" BUT that letter was dated 20 March 2007 saying that would credit my account in 10 days if I agreed. The letter was posted 2 April and I received it on 3 April. Just as well I had not touched the money and I immediately tried to contact the writer but phone constantly engaged. Therefore rang solicitors to speak to them, but guess what, the solicitors who act for Lloyds in connection with bank charge claims won't speak to the general public, so had to leave message that I did not accept the money and they could take it back. Thought that I would follow up with a letter, in which i relayed conversation and dropped the bombshell that I had also completed allocation questionnaire and sent to the Court. Here's hoping that this will prompt a settlement! But wanted to make you all aware of some more sneaky tactics, becuase if i had used that money I would have been deemed to have accepted their offer and given that they were £3500 short of my claim, it wasn't good enough.

 

Staffie

[checkoutdolly]

I have just set the wheels in motion to reclaim my bank charges so was pleased to see the template letters. i must say I don't find them a helpful bank at all

[dawny41]

Hi,

Have you had your reply yet?

I was due my reply by today from my LBA letter, nothing received as yet.

Dawny

[dawny41]

Hi Barty,

I havent had a reply from my LBA, i have now printed off my last 5 yrs statements on-line, as they havent sent them to me yet, do i sent them off with the next letter to them? i am all read out and confused and dazed by it all. help

[BARTY]

Hi Barty,

I havent had a reply from my LBA, i have now printed off my last 5 yrs statements on-line, as they havent sent them to me yet, do i sent them off with the next letter to them? i am all read out and confused and dazed by it all. help

 

Hi

If you have sent the LBA the next step is Court action. I think you should have a read of the following:

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

 

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

 

 

Have you got your own thread, it would help so we can see what you have already done so far.

Barty:)

 

[checkoutdolly]

I got my statements off line calculated the interest posted off asking for my money back by recorded delivery seeing if they reply in the 14 days

[jaffa01]

My one says:

 

I am just writing to let you know that we have recieved your complaint - and to say how sorry I am to learn that you feel you have cause to complain.

 

Please get in touch if we've misunderstood your concerns or if you have some more information you want us to have. If we don't hear back from you in the next couple of days, we will carry on with our investigation using the information you've already provided.

 

We expect our enquiries to be completed within the next four weeks but we will try to get a response to you sooner if we can. If there's a delay, we will let you know why and we'll give you an idea of when you can expect to receive a full response to your compliant. I hope we can sort things out for you.

 

Etc, Etc.

[checkoutdolly]

does this mean you going to get paid out with no hassle or as on some of other they offer you a partial refund

[empowered]

does this mean you going to get paid out with no hassle or as on some of other they offer you a partial refund

 

No - it means they are stalling! Lloyds love hassle and will take you up to the wire. The partial refunds seem to be quite random and don't follow a pattern, a lot of people don't even get them.Stick to your timetable and not theirs!

[dawny41]

Hi,

yes i had the same letter, i then sent them the non-compliance giving them 7 days, they havent replied to that, on tuesday i am going to send them my 5yrs statements that i printed off requesting payment plus interest. that will be interesting!!!keep me informed.

Dawny

[brendog]

Hi Everyone - this is my first post!

 

I'm presently taking action against Lloyds to the sum of £751.66. When asked for a list of my charges they sent them with 1 day to spare - just trying to hold things up as much as possible I presume. They then did the same when I sent the letter asking for my cash back - last day of the time limit. I've got recorded delivery signatures for all the letters though.

 

My court-action threat letter hasn't recieved a reply, so I've started my claim on the moneyclaim site now... I bet they wait until the last minute for this stage too.

 

This is my first claim, but I've got another Lloyds account I'm going to claim next , then its on to the credit card firms... with a bit of luck I may be able to pay off a decent amount of my debt with the repaid charges.... fingers crossed!!

 

Can anyone hazzard a guess as to their next step? Are they likely to just settle now?

[Kabulhibby]

Noticed that when I received my get lost tablet from LTSB, that they are stating that the excess was authorised, which in my case it wasn't most of it was a result of their charges in the first place:mad:

[DazYeo]

As a way of bumping this thread, this is the letter that I received:

 

Dear Mr ****

 

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

 

Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work-abd it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

 

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

 

Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, online and by weekly text to your mobile.

 

If you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do.

 

The Office of Fair Trading has published new guidelines on credit card defuault charges. 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. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are prices for the service we provide in these situations.

 

I understand that you may also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card, loan or mortgage accounts.

 

I do hope you can see that we make our charging system as fair as possible-and why I can't agree to cancel your charges.

 

I hope this fully answers the points you raised with us. Please let me know if there is anything else i can do to help. If we cannot come to an agreement, I will provide you with the details of the Financial Omsbudsman Service so they can consider your complait independently.

 

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by the 29 May 2007 I will close my file, though of course I will re-open it should you come back at any point afterwards

 

Yours sincerely

 

Debbie Gilbert

Team Manager

 

 

Seems very similar to the other templated responses. Any observations?

 

D

[BuyYourWineHere!]

Evening All!

My "bank charges claim wheels" have just started rolling also!

Have sent the S.A.R letter just, Apr 2nd. 40days.. I'll speak to you all then no doubt!? May12th here we come.

PS Many thanks to everyone for posting their experiences, I'm sure my other half will appreciate me sitting at the computer permanently for the next few months reading them all?!

Ryan

[dduk022]

Is it OK to send the standard LBA template letter to their template response or should the LBA address the points they raise in their letter?

 

A friend of mine got the following reply to her Preliminary letter -

 

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

 

Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work-abd it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

 

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

 

Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, online and by weekly text to your mobile.

 

If you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do.

 

The Office of Fair Trading has published new guidelines on credit card defuault charges. 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. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are prices for the service we provide in these situations.

 

I understand that you may also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card, loan or mortgage accounts.

 

I do hope you can see that we make our charging system as fair as possible-and why I can't agree to cancel your charges.

 

I hope this fully answers the points you raised with us. Please let me know if there is anything else i can do to help. If we cannot come to an agreement, I will provide you with the details of the Financial Omsbudsman Service so they can consider your complait independently.

 

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by the 29 May 2007 I will close my file, though of course I will re-open it should you come back at any point afterwards

 

Yours sincerely

 

Alan Groves

Customer Service Recovery Centre Andover

 

 

Would this reply be OK? -

 

Dear Mr. Groves,

 

ACCOUNT NUMBER: xxxxxxxx

 

I write in response to your letter dated xx xx xxxx.

I’m afraid I don’t agree that the charges are for a service you provide and still maintain that they are ‘default charges’ which are unlawful at Common Law, Statute and recent Consumer regulations. It is my belief that you are attempting to disguise these charges; a practice that the OFT report addresses in s4.21 of their report.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I calculate that you have now taken £xxxx. I am enclosing an updated copy of the schedule of the charges which I am claiming. I am also claiming back the £10.00 Data Protection Act Subject Access Request fee. This brings the total to £xxxx

I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

 

 

Yours sincerely,

[bright3945]

Hi Help required

 

Have started two claims against LLoyds-TSB one for a business account and one for personal account. Have had a letter back to day ref the business account

 

Very similar to other replies / templates posted from LLOyds but with the addition of this para

 

" I notice that you have referred to the Unfair Contracts Terms Act 1977 and the Unfair terms in consumer Contract Regulation but these don't apply to you as you are a business customer and these acts and regulations only apply to consumers."

 

Is this correct or should I go a head and file a claim to court now.

 

Bright3945

[photoman]

Hi Help required

 

Have started two claims against LLoyds-TSB one for a business account and one for personal account. Have had a letter back to day ref the business account

 

Very similar to other replies / templates posted from LLOyds but with the addition of this para

 

" I notice that you have referred to the Unfair Contracts Terms Act 1977 and the Unfair terms in consumer Contract Regulation but these don't apply to you as you are a business customer and these acts and regulations only apply to consumers."

 

Is this correct or should I go a head and file a claim to court now.

 

Bright3945

 

Bright

 

You can use UCTA77 (ask them to demonstrate where in the act it says otherwise, and they will not be able to), BUT they are correct in saying you cant use UTCCR.

Come and have a look and join in this thread for Business claimants, lots of help here:

http://www.consumeractiongroup.co.uk/forum/general/68191-claiming-business-account-lets.html

 

Regards

 

PM

[foxycoxy1980]

Hi

Thanks Vamp and Reload for your info. I to had myvery own BOG OFF letter and was very surprised to see the exact same one on this web site!! I do agree with you both that this is extremely serious, i dont think i have ever suffered with anxiety before now - and its horrible!! I have just sent yesterday my letter before action i did use some of the wording in the templates but basically added my own bits just to make it more personal. Lloyds tried to control my actions by setting deadlines (dates etc) however in my own letter i made sure that i was the one in control and stated my own deadline dates. I do hope this matter is resolved as i am really very anxious and worried!! (not gonna let them know that though!) Thanks again guys it helps to bounce ideas off!!

[dawny41]

hi,

yes carry on with your claim now!!

its a standard bog off.

good luck

Dawny

[Manhole]

Good day all...

 

I have also received the following response from lloyds:

 

Dear Mr ****

 

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

 

Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work-abd it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

 

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

 

Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, online and by weekly text to your mobile.

 

If you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do.

 

The Office of Fair Trading has published new guidelines on credit card defuault charges. 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. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are prices for the service we provide in these situations.

 

I understand that you may also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card, loan or mortgage accounts.

 

I do hope you can see that we make our charging system as fair as possible-and why I can't agree to cancel your charges.

 

I hope this fully answers the points you raised with us. Please let me know if there is anything else i can do to help. If we cannot come to an agreement, I will provide you with the details of the Financial Omsbudsman Service so they can consider your complait independently.

 

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by the 16 July 2007 I will close my file, though of course I will re-open it should you come back at any point afterwards

 

Yours sincerely

I have been reading these forums etc. but im not quite sure if I can use the standard LBA template to reply to this letter or not? I see other people have asked this same question but i didint see a clear answer.

 

Thanks in advance!

[photoman]

Good day all...

 

I have also received the following response from lloyds:

 

Dear Mr ****

 

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

 

Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work-abd it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

 

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

 

Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, online and by weekly text to your mobile.

 

If you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do.

 

The Office of Fair Trading has published new guidelines on credit card defuault charges. 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. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are prices for the service we provide in these situations.

 

I understand that you may also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card, loan or mortgage accounts.

 

I do hope you can see that we make our charging system as fair as possible-and why I can't agree to cancel your charges.

 

I hope this fully answers the points you raised with us. Please let me know if there is anything else i can do to help. If we cannot come to an agreement, I will provide you with the details of the Financial Omsbudsman Service so they can consider your complait independently.

 

If you are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by the 16 July 2007 I will close my file, though of course I will re-open it should you come back at any point afterwards

 

Yours sincerely

 

I have been reading these forums etc. but im not quite sure if I can use the standard LBA template to reply to this letter or not? I see other people have asked this same question but i didint see a clear answer.

 

Thanks in advance!

 

 

Their standard response letter.

 

Use the standard LBA and proceed as per the timescale you have set.

 

Photoman