LloydsTSB (merged)

cnoelj

slippyhelen wrote: »

Just filed claim against LLoyds TSB who sent final fob off letter last week.
Any advice welcome.

Lloyds tend to see how far you are prepared to go. In due course they will acknowledge the claim that you have filed with the court and then they will submit a defence. Usual nonsense about the customer is aware of the charges, the customer is notified when overdrawn and offered the opportunity to discuss the matter etc etc. Then they will say that they dont recognise that the charges are illegal. That is the only statement that is relevant and what we are argueing about. You will then be sent a very simple allocations questionnaire from the court. My refund was received three or four days after I handed in the quetionnaire. It took about a month from filing my claim with the court to receiving my money If you receive a letter from now on from the bank, write a letter respectfully reminding them that the matter is now subject to judiciary procedure and send a copy to their solicitor.

Hope this helps

Good luck

Taffyfella

cnoelj,

I am at the stage where Lloyds have acknowledge my claim through MCOL.

My question is, did you at any time throughout the claim receive a gesture of goodwill?

I'm just curious to know what there next move is likely to be

Taff

cnoelj

Taffyfella wrote: »

cnoelj,

I am at the stage where Lloyds have acknowledge my claim through MCOL.

My question is, did you at any time throughout the claim receive a gesture of goodwill?

I'm just curious to know what there next move is likely to be

Taff

No I personally receive a gesture of goodwill. At first I heard nothing at all from them before getting a letter from Customer Services expressing how sorry they were to hear that I had a complaint and that they were going to investigate. They would let me know in a month. To add injury to insult to this arrogance, I receive a second letter saying that they had not completed their investigation and would again write in a further month. I then received a letter outlining their position on charges. It was at this point I wrote back respectfully reminding them that the matter was now subject to judiciary procedure.

My experience however is not everyones experience. The banks seem to treat people differently. They obviously dont want people to think that there is a set formula in order to cause unease and confusion.

Thankfully there is one similarity in all cases and that is that people get their money back eventually

Good luck

miss-bonkers

hi
i'm just waiting for Abbey to give their defence for court, is their anything i should get ready or should have if it goes further? i'v got the print out of charges from martins calculator and the original statments.

any advice??

cnoelj

The next stage will be you completing the very simple allocations questionnaire for the court. They will not require anything else at this stage. They may then ask for evidence at a later stage. This will be statements and calculations. I doubt if it will get as far as that. The banks usually pull out before that stage - good luck

wendfd

Hi
I sent a my copy of the recommended 1st letter to Lloyds TSB on behalf of my Son who had a LLoyds account some years ago and ended being in default with a debt of £700.

Lloyds have replied with a list of charges but they do not include any bounced cheque, referral charges or those daily charges Lloyds used to charge all the while your were overdrawn, which as it happens are not mentioned in the example letter. They have only included a couple of unpaid standing order charges, the £8 account charge and interest charges. I know for a fact that there were definately bounced cheque charges.

I have written back to them asking for ALL default charges but I am wondering if that letter should be reworded at bit to include all types of recharges.

Has anyone else had this problem?

michael1983l

wendfd wrote: »

Hi
I sent a my copy of the recommended 1st letter to Lloyds TSB on behalf of my Son who had a LLoyds account some years ago and ended being in default with a debt of £700.

Lloyds have replied with a list of charges but they do not include any bounced cheque, referral charges or those daily charges Lloyds used to charge all the while your were overdrawn, which as it happens are not mentioned in the example letter. They have only included a couple of unpaid standing order charges, the £8 account charge and interest charges. I know for a fact that there were definately bounced cheque charges.

I have written back to them asking for ALL default charges but I am wondering if that letter should be reworded at bit to include all types of recharges.

Has anyone else had this problem?

i just asked for a copy of my statements as all the information needed is on there. maybe if you give the bank a call and ask them for 6 years of statments. There may be a charge hopefully only a small one.

broomo74

Tommorow will be the 14th day that the bank have to reply to my Moneyclaim. But because of the Bank Holiday will they get an extra 2 days? Also if they do not Acknowledge it and I start the jufgement does that mean I've won? and what do I do next? Also how long will it take to get my money back?

Thanks in advance


Broomo!

acorn66

I've had a reply to my initial letter from LLoyds TSB detailing all the bank charges incurred for the last 6 years on 3 accounts. They've listed all the charges applied clearly and have actually asked if I want charges detailed prior to 2001? Is this a trick question? Can I claim for charges prior to 6 years ago because that was our worst period for bank charges and would seriously increase our claim? If so, how far back? Thanks.

Leebcoward

No. 6 years is the max, they seem awfully helpful..... Just follow the steps for reclaiming and good luck.