LloydsTSB (merged)

TheOne

I'm sure this has been said a million times already, but maybe the guy losing against Lloyds, done a completely rubbish job of preparing his paperwork.

[Obligatory link to BBC news article ommitted!]

Maggie13_2

Where in letter 2 should i have put "without prejudise" does this affect my claim???????????????????

emmag_2

Maggie13 wrote: »

hi all i hope everyone is keeping their chin up!!!!!!! i will certainly carry on.However, can some help me i served LLoyds with the second letter with all the bank charges i have incurred over the last 5 years because they did not reply to my first letter. Sent letter on the 8th May 07 and recieved reply to-day !5th May 07. They sound very cheery and concerned in their letter and th
at they are sorry that i have a cause to complain. i have to get intouch if the've misunderstood , if i don't then they will progress and they expect their enquiries to take 4 weeks. If their is a delay they will let me know and that they hope to sort things out!!!!!!!!!

Shall i get in touch???? and what shall i say????????????? they have sent me a document about voicing my concerns and how to resolve a complaint with them.

Is this a standard letter????? i havent seen one like this on this thread.

I will carry on CAN ANYONE HELP ME PLEASE

Exactly the same letter i received first and prob lots of other people,
I did try to call and make sure they understood my complaint but have to date not been able to get through so went ahead with second letter as this is just a fob off!!! good luck

mitch00400

I have taken my bank Lloyds tsb to court for around £4.000 they have replied saying that the charges were default charges, charges not because i broke my agreement but because of the service they provided and i was asking to go overdrawn (which of course i wasnt) has anyone else had a letter like this? i am now very jittery after reading of Lloyds winning a case.

becky27

saversarn wrote: »

OMG
http://news.bbc.co.uk/1/hi/business/6657025.stm

ok so this scares me abit!!!

Crazy_Hamster

mitch00400 wrote: »

I have taken my bank Lloyds tsb to court for around £4.000 they have replied saying that the charges were default charges, charges not because i broke my agreement but because of the service they provided and i was asking to go overdrawn (which of course i wasnt) has anyone else had a letter like this? i am now very jittery after reading of Lloyds winning a case.

I've had this letter, they're basically saying get lost. Lots of us have had this letter. I'd carry on. I'm a little unsure but I'm still pressing on as I feel I am right.

sparky03

I have had the the same letter and I sent them the (if you don;t pay up i will take you to court) They have untill tomorrow to reply (and thats giving them an extra 2 DAYS for the bank holiday) and I am taking them to court)Don't give up (thats what they want) hope this is want you wanted to hear!!!

Indebted2uRen79

I know most of you seem to now be talking of the final stages of claiming back your money but I am still slowly applying for all statements from various banks so I'm sorry if this has come up and I have managed to miss it.

I received a list today from Lloyds with a few overdraft fees including interest from a time when I did have an overdraft. They haven't sent me all of my statements and the list does not include returned d/d's or anything. They must have charged me thousands over the years yet there is about £100 I could actually claim for on their so called list of charges.

I used the template from this website which I'm sure states all the different types of charges that I want to know about.

Has this happened to anyone else>?

If so, what did you do?

Please help. As I've had probs with a couple of other banks I'm really losing the urge I need to carry on with this!

ormus

my mate is claiming 1500 quid off lloyds, he got 750 quid credited into his account last week with no expanation!
ive told him to write back to lloyds, and ask for the full amount.

TheOne

Maggie13 wrote: »

Where in letter 2 should i have put "without prejudise" does this affect my claim???????????????????

As set out in this example:
http://www.moneysavingexpert.com/redir/bdbeed29

Does this affect the amount you claim? Yes. Say for example you were claiming £2000, but then wrote them a letter saying you would settle for £1800. Then they are quite within their rights to offer that amount as settlement in full. However, and I assume this is LLoyds, they will probably either refuse or not even reply. In which case go ahead and say 'OK stuff that then' and claim your original amount (ie. £2000) through small claims.