LloydsTSB (merged)

rm1956

hi lloydstsb bank have charged me over a period of 4 years about £12,000 in bank charges on 2 accounts that I have with them I sent them a letter saying I want my money back and I have had a reply from them saying basically no chance. what is my next step.

bob

Edinburghlass_2

rm1956 wrote:

hi lloydstsb bank have charged me over a period of 4 years about £12,000 in bank charges on 2 accounts that I have with them I sent them a letter saying I want my money back and I have had a reply from them saying basically no chance. what is my next step.

bob

Read Martin's article and follow the steps through.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632

eggandspoonbutnorace

Hi

I’m completely new to this stuff & don’t really have a clue where to start or exactly what to do!

So, here is my ‘tale’.

Most of my direct debits come out on the 1st of each month & the total comes to about £1500.

The other month I received a letter from my bank (Lloyds TSB) to say that they had tried to take out all of the direct debits on the 1st but it would have meant going over my agreed limit by £11.09. There were seven direct debits in total. Despite funds being available for £1,500, all seven direct debits were ‘referred’!

FUNDS were available to pay for at least 6 of these BUT because the collective total came to £11.09p over our agreed limit, they cancelled ALL seven!

They charged me £210 for the deferred direct debits, (£30 for each DD) £30 for their poxy letter telling me this! To cap it …I was charged about a further £110 from the company’s who had their DD’s referred.

I wrote to them to complain & have only received a pre-printed “sorry ...We will look into this within two weeks”

Sorry …but I’m £320 quid out of pocket because of £11.09

Any advice?

[Martin Pls PM me ...I'm willing to go public with ALL photocopies of letters etc]

Edinburghlass_2

The start point is Martin's article here...

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

If you don't think you have had other charges in the past you could just start with the 1st letter listing the charges you have just received but if you think you have had other charges in the past then start at stage 1.

eggandspoonbutnorace

Edinburghlass wrote:

The start point is Martin's article here...

If you don't think you have had other charges in the past you could just start with the 1st letter listing the charges you have just received but if you think you have had other charges in the past then start at stage 1.

Err ..what are you on about

get well soon


BTW .....I posted a decent post about how I got ripped off by Lloyds TSB and you moved it!

I was only looking for advice.

Mayby I should stop listening to Radio 2!!!!

"Edinburghlass" Sorry but you are starting to sound like an automated robot

Edinburghlass_2

Sorry the advice wasn't what you wanted, perhaps someone else will be able to help you more

Rex_Mundi

eggandspoonbutnorace wrote:

BTW .....I posted a decent post about how I got ripped off by Lloyds TSB and you moved it!

I was only looking for advice.

This is a very busy board with new questions appearing constantly. Each time a thread is posted concerning an individual bank, it is moved onto that banks thread. There are two main reasons for keeping a banks questions in one thread. You may already find the answer you are looking for concerning that bank in the thread, and by keeping all a banks posts together. It can help future new members quickly and easily see the problems/advice posted concerning that bank.

The advice you were given was spot on. If you want to claim these charges back (and you have every right to). Follow the advice in Martins article. If you follow the advice carefully, you stand a very good chance of getting every one of these charges back.

I know you may feel frustrated by what has happened, but your situation is not unique. Others have posted worse cases than yours in situations along the same lines. Martins advice is very clear on this. Don't let the bank get away with it, reclaim your charges.
................................................................

The Main site with Martins articles is an excellent resource for us all to save money, and stand up for our rights. These forums are a friendly, and excellent addition to the main site. If you get stuck on any points in Martins main article, you can come here for further advice. Many people will help you out if they are able to.

The only thing we ask when posting here is that you follow the rules for posting, and keep in mind what is printed at the top of the forums.......

Please be nice to all MoneySavers. There’s no such thing as a stupid question, and even if you disagree courtesy helps.

Ade_W

Not yet, just received letter back threatening to counter sue if i proceed with court action.Did you receive same threat?

SBY

Has anyone been successful in getting money back from TSB? I'm must admit to getting scared now as they've defended the claim and i've got the court allocation questionnaire to complete.

Do I actually have to go to court or can the case be heard without me being there?

Has anyone else got to this stage?

nickmack

SBY wrote:

Has anyone been successful in getting money back from TSB? I'm must admit to getting scared now as they've defended the claim and i've got the court allocation questionnaire to complete.

Do I actually have to go to court or can the case be heard without me being there?

Has anyone else got to this stage?

If you read through some of the posts, you will see plenty of people have got this stage. Many banks file a defence, don't worry, it's unlikely you will end up in courtroom.