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  • FIRST POST
    • Tuipoodle
    • By Tuipoodle 13th Sep 17, 8:43 AM
    • 11Posts
    • 5Thanks
    Tuipoodle
    I did it and it worked
    • #1
    • 13th Sep 17, 8:43 AM
    I did it and it worked 13th Sep 17 at 8:43 AM
    Thank you MSE. Used the template letter and sent it to Lloyds last Monday (4th Sept). Had phone call from them on Friday 8th to confirm various details. Then heard from them yesterday to say they had agreed my claim and were refunding £1738.80. I thought they may return a couple of hundred so to say I was delighted was an understatement. Using the template and doing it myself means it's all mine! Thank you again.:
Page 1
    • gnioto
    • By gnioto 13th Sep 17, 9:58 PM
    • 40 Posts
    • 9 Thanks
    gnioto
    • #2
    • 13th Sep 17, 9:58 PM
    • #2
    • 13th Sep 17, 9:58 PM
    Woohoo is that ppi or packaged account?
    • aphill24
    • By aphill24 13th Sep 17, 10:26 PM
    • 80 Posts
    • 28 Thanks
    aphill24
    • #3
    • 13th Sep 17, 10:26 PM
    • #3
    • 13th Sep 17, 10:26 PM
    Hi, well done, have you got a link to the template letter please?
    • CharlieP123
    • By CharlieP123 15th Sep 17, 10:38 AM
    • 15 Posts
    • 1 Thanks
    CharlieP123
    • #4
    • 15th Sep 17, 10:38 AM
    • #4
    • 15th Sep 17, 10:38 AM
    Don't know if anyone can help, or if im even posting in the correct place.


    I have been charged by bank for overdraft charges. Is there a certain time that you have to request the refund? I keep reading posts which are years old. I don't know where to start.


    Thanks in advance
    • dunstonh
    • By dunstonh 15th Sep 17, 11:21 AM
    • 89,593 Posts
    • 56,067 Thanks
    dunstonh
    • #5
    • 15th Sep 17, 11:21 AM
    • #5
    • 15th Sep 17, 11:21 AM
    I have been charged by bank for overdraft charges. Is there a certain time that you have to request the refund?
    The banks won that court case in 2009. Since then they are not required to refund anything. Although they do consider goodwill payments for those in current financial hardship. Sometimes, they refund if you are a long-standing customer with a good history making a first-time error.

    Basically, apart from that, the bank charges reclaiming ended in 2009.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • CharlieP123
    • By CharlieP123 18th Sep 17, 10:53 AM
    • 15 Posts
    • 1 Thanks
    CharlieP123
    • #6
    • 18th Sep 17, 10:53 AM
    • #6
    • 18th Sep 17, 10:53 AM
    Thanks for the reply...doesn't sound like its worth the hassle then
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