LloydsTSB (merged)

kneehigh85

Hi all,
This is my first post on MSE and i hope I have put it in the right place! I work for LLoyds TSB so hopefully I will be able to help you guys out with questions and such. My question is, does anyone know what happens if you try to reclaim your bank charges but you work for the company? I think they only owe me around £550 but to me that is an awful lot of money that I would like back. I dont have a clue what the implications of this would be for me if I go ahead with the claim but if they close my account I will lose my job as my wages have to be paid into a lloyds TSB account. I know banks are !!!!!! but i am a student as well so I need this job. Does anyone have any advice for me?

kneehigh85

kneehigh85

oh and yes maggie13, Lloyds TSB are taking the full 40 days to send your statements as they are currently receiving around 4000 requests a day

unhappybanker

I have asked for my money back on the following charges o/draft excess fee - unpaid s/o - unpaid d/d - unpaid chque, now the bank has said in a letter to me that and i quote " The office of fair trading has published new guidelines on credit card default charges. we're still talking it through wdith them, but the important point is that the guidelines are about default charges that people pay when they break an agreement with us. This dosnt apply to our charges as these were for dealing with your request to go over yuor agreed overdraft limit. they are not default charges because you haven't broken your agreement. They are the prices for the service we provede in these situations." " i cant agree to cancel your charges" .....please can anyone hlep me i have no clue if i am now able to claim or not and why would they talk about credit card default charges - these were from my normal bank account?? i am so confused.

Edinburghlass_2

Standard letter from Lloyds, carry on with your next letter

Tim_Harrison_3

I first registered my complanit with LloydsTSB on the 30th of Jan this year and recieved comfirmantion of my complaint and a reference number on the 8th Feb claiming that "We expect our enquiries to be completed within the next four weeks".

26th Feb - second letter from Lloyds - "As you know it has now been four weeks and we would have hoped to have resolved this be now. We will write to you agaon within the next four weeks......"

28th Feb - third letter from Lloyds - "......I have today requested your copy of statements and can confirm that these will be sent to you under sepreate cover within the next 3 weeks"

Guess what folks, I'm still waiting some 8 weeks later. I have phoned the Customer Service Recovery Centre service number so many times that it is now memorised and not once have I got through.

I have discoverd, through calling the LloydsTSB number at the bottom of the page that the Customer Service Recovery Centre only has 3 phone lines.

Is anyone else experiencing difficulty in getting copies of their statements? If so what did you do?

Thanks for any help.

Tim

miss-bonkers

hi maggie13
they posted my charges 5 days before the 40 days were up. They weren't the full statements just charges,but i found out just before they arrived that if you bank online you cancopy the charges from there!
Hope this helps
Kim

jen1972_2

hi all you tsb suffers ...just to let you know 2 weeks after defence still no AQ from court, however just phoned local court and there is major backlog at mcol so only just got to my court yesterday and is now going to the judge ( i have taken the liberty of already sending the court copies of all be it little contact from lloyds plus statements , and covering letter) which they have confirmed they have recieved and will also be given to the judge. As i'm not claiming for anything i'm not entitled to hopefully we are nearly there, started late jan 2007....come on guys heads up we will win

Numpty_2

Coldhesher wrote: »

Hey Hey Everyone!!!!

I have officially and succesfully beaten LloydsTSB!!

It has taken me around 2 months but yesterday they received the order to pay me £840.

They never acknowledged my online claim, so I pressed on at about half midnight on each deadline and entered into judgement against them!!

The moral here is don't give up!!!

Stick closely to the time lines given, eg-14 days, NOT their 4 weeks!!

Have faith!!

You will win.

My partner, she just received £890 from Halifax as a "good will gesture" and when she was slow to cancel her online claim, she just received a letter saying she will get another £670 within 5 working days!!!! Thats her full amount back even when she was settling for just over half!!!!

C'mon Brothers and Sisters, stand with me, put your fist in the air and lets take back whats ours!!!!

Fighting the good fight, now, who's next?!!??!!!

Justin ___________BIG BIG THANKS TO MARTIN!! NOTHIN BUT LOVE FOR YA DUDE!!!!!!

Have you actually got your money yet? Lloyds got the court judgement over a week ago now, but trying to find out who to talk to to get my money is becoming a nightmare - am waiting on a few departments to phone me back. How did you actually get the money?

Poorbutmiffed!

Hi, I thought I'd put this in this thread & not make another.

Here's the situation:

Whilst doing a MA in 2005, Lloyds changed my account (without informing me) from a student account to a normal one - right before my dissertation, so I didn't really notice. Student accounts don't charge interest, and the interest payments combined with normal spending (to the very limit of my over-draft) pushed it over the limit, and so I incurred penalty fees. At this time, my overdraft was in for review on August 2006 (not 2005). Lloyds later claimed I didn't inform them that I was doing a MA - however, since I'd changed my address & been paying University fees on it, and informed them on the phone, I find this hard to figure out how they missed it!

Since that time, the whole situation has 'snowballed', despite my efforts to sort it out (i.e. putting whatever money I could into it, never using the account, but always charges threw me over my limit etc.) I spoke to my branch in Dec 05 / Jan 2006 when I noticed the charges, then three more times right up to August 2006, and was told a) The account had been a student account for too long so tough luck and b) they canceled overdraft facilities before August 2006. (which meant I started paying for being over on a normal account instead of within my overdraft limit).

Once I had complained, I recieved a letter from Lloyds saying please contact this department for a case review, blah, blah, you have 3 months to reply or the matter is closed. I faxed them an overview of the complaint on Feb 02/07, and tried to phone - the line was never answered, and didn't even have an answer machine. I was however forwarded to their collection agency, who hounded me constantly since then. Since making that complaint, the account was 'frozen' (i.e. cards didn't work) but even speaking to their reclaim department about organising a repayment scheme, the overdraft interest was never frozen, and I was receiving penalty charges and interest charges all through the period.

I've read the guide to reclaiming, which states that I can't get any of these interest payments back - however, I'm a bit confused as to reclaiming if these payments took me over the overdraft limit and so on. I understand the list of what I can get back, but the whole situation was made by Lloyds changing my account without my knowledge and so on. Is there anything else I can do but just get back my penalty fees? The whole experience (I'm no good with money, arty left brain type) means my credit rating is probably zero and I've got black marks all over my credit record.

Any advice?

cb4block6

missc wrote: »

onle give them 5 or 7 days on letter before court as you will get either ignored or a standard reply anyway (everyone does) so limit the time to them which then limits time for doing moneyclaim (belive me it will get to that)

i filed on 4th april, the acknowledged on the 20th and im now playing witing game - there a bunch of tw*ts - :mad:

so what you saying is just send the one to say i going to take them to court and give um 7 days???? thnx cb