LloydsTSB (merged)

Stephen_Leak

The usual "cough up in 14 days or see you in court, you thieving b*st*rds" one! OFT guidelines aren't law.

golddigger_3

tonydtiger wrote: »

Hi everyone, Nice to meet you

Help need if pos

Just going through a claim for someone and need abit of advice on what I can claim, Also, I sent off for my charges using Martins template and got the sheets back today. What is the likeyhood on them missing/fiddling afew charges out cos according to this, there wasn't one single unlawful charge from 2001-end2003 which im pretty sure there was.

Heres one part of the charges sheet and would be gratefull if someone can give me advice on what I can claim because im unsure on the O/D excess fee's:

1/4/05 UNPAID D/D 64.00DR
1/4/05 ACCOUNT CHARGE 10.00DR
3/5/05 O/DRAFT INTEREST 7.48DR
3/5/05 O/DRAFT EXCESS 25.00DR
FEE
3/5/05 UNPAID D/D 320.00DR
3/5/05 ACCOUNT CHARGE 10.00DR
1/6/05 O/DRAFT INTEREST 4.35DR
1/6/05 O/DRAFT EXCESS 25.00DR
FEE
1/6/05 UNPAID D/D 64.00DR
1/6/05 ACCOUNT CHARGE 10.00DR

Now, As you can see theres an unpaid d/d charge of £320 which seems abit much for a charge. It cant be a typo can it? seen as its all done by computer unless somethings has been altared??

Any advice is welcome

Thanks in advanced

Tony

Hi Tony

My hubby had 3 months where there were charges of 750 per month in one go! Then they charge another 325 when the mortgage bounced because the charges had sent us way overdrawn. ofcourse the mortgage company charged us as well and when tehy tried to represent it ofcourse we were still overdrawn.
and so it went on
claim it back. keep us posted. (our lloyds case is at mcol and they have until tomorrow to put in a defence!)

jovisd

Hi Jak just seen your post from Nov '06. How did you get on with Lloyds? I've just asked them for my list of charges. They've sent them to me along with a letter asking if I wish to proceed with my calim to get re-imursed? Do they generally send this letter or did you get something different?
Thanks
Joe

bank-beater

Hi there,
I had that letter saying I may now wish to re claim my charges. I thought it sounded quite positive at the time. Thought that things were going to be easy. However when I asked them to reimburse they then wrote to say charges are fair and that they are not paying. I am filing my court papers on monday.

jayvsyorkshirebank

hi been trieing to get my charges back from yorkshire bank very hard! 43 days for 2 years statments.7 days for the rest. two letters asking for refund of charges,standed letters,started small claims court.has any one got money of yorkshire bank? :beer:

MimiJane

Have a look at the Success Stories thread

cnoelj

bank-beater wrote: »

Hi there,
I had that letter saying I may now wish to re claim my charges. I thought it sounded quite positive at the time. Thought that things were going to be easy. However when I asked them to reimburse they then wrote to say charges are fair and that they are not paying. I am filing my court papers on monday.

Do tell us a bit more about that. It sounds quite unusual. At what point did they 'invite' you to reclaim? What did the letter say. If the bank intimates that you can claim and then later tell you that their charges are fair, surely they are digging themselves into a legal hole. I would be interested in finding out more

GarethK

Stage 3 letter completed, and happy to accept 25% less in order to speed things up, which in my case is still £1000 i wouldnt have got...

liddled

golddigger wrote: »

Hi Tony

My hubby had 3 months where there were charges of 750 per month in one go! Then they charge another 325 when the mortgage bounced because the charges had sent us way overdrawn. ofcourse the mortgage company charged us as well and when tehy tried to represent it ofcourse we were still overdrawn.
and so it went on
claim it back. keep us posted. (our lloyds case is at mcol and they have until tomorrow to put in a defence!)

Good luck with MCOL let us know tomorrow if they file a defence, I have put mine through MCOL this weekend....

johnbfan

Looks like we will be doing the court route if they don't pay up as the son said even for £350 he's doing it.