Lloyds TSB are having a laugh!!!

jonesMUFCforever

One minor point in your letter - you firstly say that the charges have caused you financial hardship but later on go on to say that you will take steps to clear not only the overdraft but the loan as well!
That's some hardship.

haymans74

Cahoot_hater wrote: »

Very nice of you to write that letter for someone else, topman!

Well I wrote it for my husband, so I have a vested interest! :rotfl:

haymans74

jonesMUFCforever wrote: »

One minor point in your letter - you firstly say that the charges have caused you financial hardship but later on go on to say that you will take steps to clear not only the overdraft but the loan as well!
That's some hardship.

I had to take a loan to clear my husband's balances as he couldn't afford to!

Tozer

No such thing as Banking Ombudsman. And you dont take advice from them but complain to the Financial Ombudsman Service.

Hope this helps.

jonesMUFCforever

haymans74 wrote: »

I had to take a loan to clear my husband's balances as he couldn't afford to!

Of course

haymans74

Thank you! I have changed the letter to say


The charges incurred were unfair and excessive and have now caused me financial hardship. As such, I request a full refund of the total amount of £538.90. If you refuse to refund the charges I will be making an official complaint to the Financial Ombudsman Service.

haymans74

jonesMUFCforever wrote: »

Of course

He now owes ME the money - which will cause him much hardship I can assure you as I plan to make his life hell until I get it back :rotfl:

Badger_Lady

The only thing that worries me is that, if they disagree on the "financial hardship" status, anyone scanning this letter (as I used to do for a living) will instantly file it under "bank charge reclaiming" and reply with a standard "our charges are fair" letter...

I think your case may be argued as different, the key difference being their failure to contact you. If you can prove that they "noted the address wrongly" (I think someone admitted it during the phonecall..?), and concentrate on that point instead, you might get more attention.

Just a thought!

haymans74

Thanks Badger Lady. Do you think I'd be better off changing it to the following?


The charges incurred were unfair and excessive and were incurred as a direct result of Lloyds TSB's failure to notify me correctly. As such, I request a full refund of the total amount of £538.90. If you refuse to refund the charges I will be making an official complaint to the Financial Ombudsman Service.

Badger_Lady

Eek, I'm not sure! It's actually the "unfair and excessive" bit I'm worried about - yes, it is true, but it's also standard argument against bank charges generally.

I'd leave the financial hardship bit in (as backup) but cut out the "unfair and excessive" - just "the charges were incurred as a direct result...".