LloydsTSB (merged)

abbiwatson

For many years (including my student days) i banked with Lloyds TSB. Being a student meant that on a number of occasions i went over my overdraft limit, and got hit with the usual £30 a letter charge.

I was wondering if there is any way of claiming those charges back, the only problem is i no longer have all the bank statements.

Can anyone advise??

Thanks

Abbi

golddigger_3

cb4block6 wrote: »

hi all i have asked afew questions on here but dont seem to get answers i sent my first leeter using the template of here i allso eclosed the £10.00 fee which they can charge to send your statements isent sent it to the addy at the top of my bank statements i had last month (customer service centre dept 08-01 box 2 bx1 1lt is this write i sent it on the 9th of march so does that give them roughly till 11th or 12th of april to send my last 6 years of statements and if i dont hear anything from them what do i do then would be very gratefull for some help.....ps they have just hit my account for £60 pound it says charges for period 3rd feb to 2nd march 2007 0/draft excess fee can i claim this back to.........

Hi CB

sorry you havent had replies before - its so busy on here at the moment that somtimes peoples posts get shunted down the line really quickly - you can "bump" them up if you don't get anyone replying.

Anyway, onto your claim. You have to give the bank 40 days to respond with your statements. If it is your normal account the statement for 5 years are on-line. You can print them out yourselves and don't have to wait.

They will send them to you in the time limit (ours took 35 days!). Once you do have them, put all the charges in Martin's calculator (on the Reclaim your charges info page), including the interest if you like (and why not?) and print that out. Send that with the downloadable letter and make sure you keep a copy of everything you send.

I have a set of files now specifically for reclaiming from each bank/ credit card/ loan company. On the fornt of each file keep a list of dates that you have done everything. eg. date letter sent, date reply received,, etc.:money:
Our claim with LLoyds TSB is nearly £8000 :eek: with interest and we are due to file with MCOL tomorrow.

Definitely include the most recent charges too.

Hope this helps and good luck:D

nickmack

abbiwatson wrote: »

For many years (including my student days) i banked with Lloyds TSB. Being a student meant that on a number of occasions i went over my overdraft limit, and got hit with the usual £30 a letter charge.

I was wondering if there is any way of claiming those charges back, the only problem is i no longer have all the bank statements.

Yes, within the last six years, it's fairly straightforward. Please read the Step by step guide in my signature.

karen_newcastle

I sent off the first letter (using the template from this site) for details of the bank charges under the data protection rules.

But a few days ago (just before the 40 days was up) i got a letter saying they will get back in touch with me again in 4 weeks.

What do I do now?

esmerellda

its 28 days from service to defend - regardless of when they acknowledge - if that helps.

be careful with Yorkshire bank they are not the easiest.

BUT we have a lovely little matter of their costings system to whack them in the nuts with have a look on the Consumer action group homepage - include a request for disclosure of cynthesys in your AQ ....

you dont need a solicitor. so no fees.

they wont show in court but they will try every trick in the book to get you to settle for less....so don't.

look on CAG - their Yorkshire bank forum is excellent at the moment.

esmerellda

DPA is 40 days, no more...you need to write to them telling them you are reporting them to the ICO and willl consider court action to make them comply if they dont get the info to you within 7 days.

karen_newcastle

Thank you - I have found a template elsewhere on the site and will send that next week

chuckles1066

Leebcoward wrote: »

Hi, I am in the final stages of reclaiming from Yorkshire bank. Despite their offer of half the money I have held firm and gone through the moneyclaim site. They in turn stated their intention to defend the claim in full and were allowed 28 days by the court to file a defence. The 28 days are up tomorrow (mon 2nd Apr) and I have had no contact. Should they not file a defence in time what should be my next move be? Any advise is greatly appriciated. Thanks

Make sure you count your days correctly..........MCOL allow several days from the beginning of the claim for the documents to be served.

So if you started your claim on 1st March, it won't be 29th March that their time is up, it'll be several days after.

It's common practice to issue the Defence on the last possible day.

emmaBZ

not sure if this has already been on here but i thought it was interesting what a bl00dy cheek !!!

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/76782-awful-news-lloyds-have.html

Leebcoward

What is this disclosure of cynthesys? tell me more or a link or something...Please!!!