LloydsTSB (merged)

pink_phantom

Does he do it as 1 claim?

pink_phantom

And is it sent to the same address as the bank? I have looked but cannot see a seperate address for Lloyds credit card

White_Lighter

Help please, Im very stressed as I have some debt issues Im sorting and Lloyds now have said I cant claim my bank charges of over £660 covering up to the last 6 years. Lloyds say that the guidelines relate to default charges and they dont apply to me beacause I havnt broken an agreement and I quote "they are our prices for the service we provide..."
In short I have an OD of £50.00 set up I also took out a lLloyds Loan which I paid £330 per month by DD from my Current Account with Lloyds, however being self employed i soon had money problems and couldnt make the payments, In October I was OD about £17.00 but they went ahead and serviced the loan payment when I asked them not to. This made me OD £347. To date I now owe them nearly £600 as they charged me about £70 a month. I have followed all the advice about recaliming charges and even complained to the FOS about the way Lloyds are dealing with me.
Conclusion, FOS say it will be up to 9 months to sort and Lloyds say I cant have my charges. QUESTION, am I or am I not entilted to claim for the bank charges and if so my next step is the court, can or do I have a case or will I have to wait for the ruling of the FOS which may be 9 months time. Many thanks for anyones help on this as I am becoming very depressed and fed up trying to cope with all these problems. I am sure I am not alone.
White Lighter

TheOne

White Lighter
They're just trying to get out of it, just carry on, write them the next letter etc..

Also see this post:
http://forums.moneysavingexpert.com/showthread.html?p=4861287#post4861287

Edinburghlass_2

Indebted2uRen79 wrote: »

Just bumping up message!

Yes you can claim, keep in touch with CCCS regarding it and be aware that any monies claimed are likely to go towards the debt. Have a read of this thread...

http://forums.moneysavingexpert.com/showthread.html?t=423917

Edinburghlass_2

White_Lighter wrote: »

Help please, Im very stressed as I have some debt issues Im sorting and Lloyds now have said I cant claim my bank charges of over £660 covering up to the last 6 years. Lloyds say that the guidelines relate to default charges and they dont apply to me beacause I havnt broken an agreement and I quote "they are our prices for the service we provide..."
In short I have an OD of £50.00 set up I also took out a lLloyds Loan which I paid £330 per month by DD from my Current Account with Lloyds, however being self employed i soon had money problems and couldnt make the payments, In October I was OD about £17.00 but they went ahead and serviced the loan payment when I asked them not to. This made me OD £347. To date I now owe them nearly £600 as they charged me about £70 a month. I have followed all the advice about recaliming charges and even complained to the FOS about the way Lloyds are dealing with me.
Conclusion, FOS say it will be up to 9 months to sort and Lloyds say I cant have my charges. QUESTION, am I or am I not entilted to claim for the bank charges and if so my next step is the court, can or do I have a case or will I have to wait for the ruling of the FOS which may be 9 months time. Many thanks for anyones help on this as I am becoming very depressed and fed up trying to cope with all these problems. I am sure I am not alone.
White Lighter

Is your complaint with the FO regarding your bank charges, as they will take this on, or regarding the treatment from the bank?

If the FO are handling your bank charges claim you need to leave it with them now but if not you can now start your court action against the bank.

chopster_2

I think LTSB are starting by playing the long game with me, I have now had two letters off them first on 21 March (20 days after my first letter asking for details of charges and £10 cheque) stating they may need 4 weeks to reply.
Yesterday received a letter (dated 10/04/07) stating that it will take a further 4 weeks to,
"write to me with an estimate of when I can expect a response"
and
"thanking you for your continued patience"
has anyone else had this yet?
I have tried ringing the Customer service number but it always seems to be engaged... off the hook perhaps?
So this morning e-mailed the Information Comisioner asking for advice.

Can anyone here shed any light in what seems an even longer dark tunnel?

chris30_2

Hi All,

I have at last recieved the list of Charges that I have incurred from LLoyds over the last 6 Years.
On my Initial first letter I did not request interest, Can I do that on my next letter that i send to them demanding my Money back or should I have done this on the first letter?

Any help greatly appreciated

Chris.

KHEric

I'm claiming £4,200 plus interest from the Yorkshire Bank. I started court action last week and they have now sent a letter saying that I've not supplied enough information and requested that I go through all the bank statements and inform them of which charges I am claiming for and must have a reply to them before today!!!!!

Does anyone know if I should reply to this letter as I've started court proceedings or do I just ignore it. I can easily send this information but I don't want to if I don't have to????

Someone please reply as I'm getting really worried about what they will do if I don't reply.
Thanks
x

jrobinson4

chiquemonkey wrote: »

This is the very twee letter I received from them.
Dear xxx
I am sorry you are unhappy about your ac charges.
Like any business we do make a charge for some of our xtra services. When customers don't have enough in their acc's to cover a payment, this always means extra work, and has to happen quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we cannot agree it.
Of course it is only fair too, that we are completely open about any charged for services before you might need them. Thats why we take care to give every new customer the latest guide to our charges (I've been with LLOYDS for the best part of 20 years and never received any such thing!)You can also get up to date details about fees and borrowing rates at all our branches, through our helpline and on our website.
Just as importantly we do everything we can to help our customers avoid these charges. You can get an up to date balance enquiry at any of our cash machines,,over the phone, on line or by text.
If you know a payment is going to take you over your agreed limit you are welcome to see if there is anything we can do....(yeah right - offer me a loan at extortionate rates!)
The OFT has published new guidelines on credit card default charges ???(very odd I never asked about these?)We're still talking it through with them, but the important point is that the guidelines are about "default" charges that people pay when they break an agreement with us. This does not apply to your Charges as these were for dealing with your request to go over your agreed overdraft limit. Theny are not default charges because you have not broken your agreement. They are our prices for the service we provide in these situations.
I understand that you may also have some concerns about us sharing your information with credit reference agencies we use, I'd like to re-assure you that this does not apply to bank charges, only white data payments to credit card, loan or mortgage acs.
I do hope that you can see that we make our charging as fair as possible and why I cannot agree to cancel your charges.
Referred me to Ombudman etc.,

I EXPECTED THIS RESPOONSE FROM LLOYDS AND WONDERED IF THERE IS ANYONE MORE IN THE KNOW THAN ME WHO CAN HELP ME TO CONSTRUCT A LETTER BACK...ARE THEY RIGHT? I COULD GIVE UP

many thanks

Very Very disappointed LLOYDS TSB Customer!

I've received this letter today. Got a bit put off until I saw your post with the same letter!! Feel even more annoyed with LTSB now.:mad: