Some advice please??

Tbeef

In late 2008, I submitted a claim to Lloyds TSB to have bank charges returned which I felt were unfair.

I got a letter saying nothing would happen as it was in court so all cases on hold.

I waited some time and got a letter saying they were refusing to repay due to the court ruling and if i had the right to contact the Fos. So I wrote to them again asking that they look at the case again and that if need be then I would look into the FOS route.

Today I got a "final response"

The final paragraph is one that I would like an opinion on please.

Is says "However, I should mention that, we also have the right to object to tthe FOS considering the merits of your complaint and I must inform you that, if you do refer your complaint to them. I intend to exercise this right"

Any feebback would be great!

natweststaffmember

Tbeef wrote: »

In late 2008, I submitted a claim to Lloyds TSB to have bank charges returned which I felt were unfair.

I got a letter saying nothing would happen as it was in court so all cases on hold.

I waited some time and got a letter saying they were refusing to repay due to the court ruling and if i had the right to contact the Fos. So I wrote to them again asking that they look at the case again and that if need be then I would look into the FOS route.

Today I got a "final response"

The final paragraph is one that I would like an opinion on please.

Is says "However, I should mention that, we also have the right to object to tthe FOS considering the merits of your complaint and I must inform you that, if you do refer your complaint to them. I intend to exercise this right"

Any feebback would be great!

What was your argument to them? Have you amended what you are arguing to them?

Tbeef

You mean up till that point?? If so, I gave them reasoning why I thought they should repay me.

I dont know what to say to them now... but its clear that im not in a good financial state.. they just have to look at my statements!

Smasher

Tbeef wrote: »

I gave them reasoning why I thought they should repay me.

He is asking those reasons were..

Premier_2

Tbeef wrote: »

In late 2008, I submitted a claim to Lloyds TSB to have bank charges returned which I felt were unfair.

I got a letter saying nothing would happen as it was in court so all cases on hold.

I waited some time and got a letter saying they were refusing to repay due to the court ruling and if i had the right to contact the Fos. So I wrote to them again asking that they look at the case again and that if need be then I would look into the FOS route.

Today I got a "final response"

The final paragraph is one that I would like an opinion on please.

Is says "However, I should mention that, we also have the right to object to tthe FOS considering the merits of your complaint and I must inform you that, if you do refer your complaint to them. I intend to exercise this right"

Any feebback would be great!

The FOS is supposed to be an independant and impartial body whose job is to resolve complaints between consumers and businesses providing financial services.

As such, you would hope and expect that they get both sides of any complaint before coming up with any resolution wouldn't you?

Tbeef

I obviously am all for being fair and dont mind them objecting to my claim with the FOS, however I do object to the way they are throwing it in my face.

natweststaffmember

Tbeef wrote: »

I obviously am all for being fair and dont mind them objecting to my claim with the FOS, however I do object to the way they are throwing it in my face.

What was your argument? Was it penalty charges? Was it unfair charges? Was it excessive charges?
Apologies but that is my question(s)