LloydsTSB (merged)

longtallsal38

Hi
The 40 day deadline has passed. How do I report them to the information commisioner?

dwarfer

jolaw01 wrote: »

1. Each and every individual amount of the charge that I am claiming and am disputing.
.

jolaw01 i noticed my fees by accident in my account statements... £395 worth over 5 years

i hope you dont have to go into great detail as to why the banks charged you if so i'm screwed because i dont recall these charges being put onto me, should i be worried?

2fargon

Playin tough wid me,
It took 'em 'til da 40th day to send my bank charges (that was after faxing 'em every hour on the hour) and they kept sendin letters askin for 28 day extension. Sent off my claim for £1023 (£1288.20p) wid intrest. Got letter saying I was mistaken and charges were legal. Sent letter threatening to take em to court and they have 7 days left to respond. THEN I WILL TAKE COURT ACTION. Even pre filled da form on moneyclaim site so all I have ta do iz CLICK SEND! I'll keep ya posted. Got nowt ta lose av I !
2far

bepositive

Hi

I have received letter today offering 2 x £750 (for each of my two accounts) plus cancellation of all charges which I have been told about but which have not yet been taken from my account.

I feel that if I accept part payment that I will jeopardise my chance of receiving full repayment of £3,164.14.

I have prepared a letter to refuse this offer and again stressed that I am now taking the matter to court.

Can someone who has had success with Lloyds TSB please advise if I am doing right.

Much appreciated.

kahluagirl

started my claims against lloyds when they took £160 out of my bank account in jan 07.found out they were planning on doing same thing in feb.in just over 2 monthes they charged me £410.im on benefits.stopped my money going in2 account in jan.got 5.5 yrs statements(asked 4 6).sent off 2 letters asking 4 money back(£2771.50)got offered £750 the're taking the !!!!!!!!!!!!!!went 2 county court cos its free,filled in form(think i mucked it up).didnt ask 4 interest how was meant 2:eek: only excuse is had 2 get home 2 son whos got ADHD,gonna c if i can put extra info in2 the case .any1 know if i can?

kahluagirl

think there shud b an anti lloyds tsb fan club!id def join!!!!

kahluagirl

liddled wrote: »

Morning, why are they only offering some people £750 and not others, I feel left chick. Let us know how your claims going.

Good Luck everyone.

they offered me £750 but they can stick it where sun dont shine!!!!!!!!its more than £2000 short.n i will get it all back

kahluagirl

Debt_Slayer wrote: »

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Since my original post i have sent the LBA letter and after a phonecall about my accounts i then recieved a letter from those lovely people at Andover. The letter included something i've not seen before:

"We're still talking it through with the OFT, but the important thing is that the guidelines for reclaiming are about 'default' charges that people pay when they break an agreememnt with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit (erm, i dont even have an overdraft) by paying direct debits. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations"


Now, as im disappointed at their lack of reimbursing me, i'm gonna complete my MCOL claim which i set up weeks ago. I'm claiming for 2 accounts and sent my letters to Lloyds in two seperate packs, one for each account. My complaint reference number is the same for both accounts, so what do i put in the amount i'm claiming? Its £2600 for both accounts, also do i include the £200 they've charged to my account this month when i enter the final figure on MCOL or do Lloyds automatically pay that too?

Sorry to ramble on. Help up to date much appreciated.

Also, what do i put in the particulars box in MCOL? Is there not a templated guide for people who arent very literate? I think it puts people off filling it in and claiming. Also do i include the charges recently applied to my account too or will Lloyds reimburse those too? Total im claiming for is £2600 but there's another £195 of charges on my account since the last letter. Do i include that too?

i got same letter frm them word 4 word.ignore it n carry on regardless.u cud go2 c.c. n ask 4 help.include recent charges cos lloyds WONT reimburse if they dont have 2.good luck n hope u dont need it

kahluagirl

justlaugh2 wrote: »

Another option is the financial ombudsman, they do it for free! it may take a little longer though.

wudnt bother all they do is posture n preen do ur letters n then take them 2 court

kahluagirl

missc wrote: »

well ive done it and emailed watchdog - what the heck - said the following


Im busy claim the unlawful bank charges applied to my account by the above company to the sum of £2600 plus interest. I have two points i'd like you to possibly look into.

Point 1 - Lloyds TSB seem to be the worst bank of all to get your money back - they are dragging claims on for months and months and month, unlike the likes of other banks who have the decency to get back to people and make offers and pay money back - go to https://www.moneysavingexpert.com and go to forum then claiming bank charges - then onto the lloyds tSb thread to see difficulties people are having and various lloyds tactics.

my point 2 relates to the above
i have received a letter from lloyds stating they will close my account and take legal action if i dont pay back the £60 im over drawn over my temp overdraft (of which the reason i have a temp overdraft and am over the limit is due to there unlawful charges) - i find this a bit underhand saying as they owe me £2600 PLUS interest. therefore they owe me loads more than i owe them.

lloyds r moaning at me as well.they want me 2 pay bout £400 when they charged me £410 in charges in just over 2 monthes.tot they owe me is£2771.50 plus interest.just started court action.they r !!!!!!s