Lloyds TSB Fair & Resonable Letter

Chrissybh0y

I applied for the money back that lloyds took from me on my credit card, already claimed my bank account and won, i got a letter from lloyds tsb saying it was fair and if i wanna take it up with the ombudsman i can, what letter shall i send next?

Tozer

Couple of things. You didn't win your claim in respect of the bank account. They would have settled it.

Second - what do you want to do? How much are you claiming? On what basis?

Chrissybh0y

I didnt win my claim i got money back from a company i claimed from therfor i got sumthing back so i did win ?

Im claiming for the exact same as my bank account charges

Tozer

That doesn't give much to go on does it? What were the charges? What is your claim?

And no - to me "win" means it was contested and you won the contest. In your case, they settled. No contest.

Chrissybh0y

i contested in writing , statin the facts and reasons how , if they objected they wouldnt have gave me it like that and they would then have took me to court

Tozer

Rubbish. They settled it on a commercial basis.

They are relying on the test case for the true battle rather than hundreds of mini battles.

Chrissybh0y

we could both have arguements for this all night m8 , iend of the day if it was wrong then they pay out if they were right then dont pay out simple

Tozer

Not wanting to have an argument.

You will find that many organisations settle things for commercial reasons.

At least in my experience...