LloydsTSB (merged)

jrobinson4

bygrace wrote: »

I received my letter from L.TSB with this statement which seems to differ from the ones I have read.

“The Office of Fair Trading has published new guidelines on credit card default charges. 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 doesn’t apply to your charges as these were dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven’t broken your agreement. They are our prices for the service we provide in these situations”.

Why would I agree to go over it, it just went over and they charged me

Does the main I have no chance?

Should I send in my second letter?

What happens if they charge you again while you have already sent the first letter with first amount?

Just a little help please if any could just give me some advice

Thank you

I've had that letter, ignore it and move on. They'll keep sending you random letters in order to get out of paying!!!
Jo

bygrace_2

jrobinson4 wrote: »

I've had that letter, ignore it and move on. They'll keep sending you random letters in order to get out of paying!!!
Jo

Thank you so much, i sent the letter today as i didn't want to get of my deadlines as Martin and many of you say.

As well with that judgement do you think cases being filed after the LTSB win are less likely to win or was this just a slit slip we should contiue to claim as normal

thanks you so much Jo

jan

rhan

feel free to pm me so that maybe we can help eachother

rhan

im so relieved you guys have had the dsame letter as me and this is where this brilliant site is so awesome i read the letter this morning and felt like giving up i even tried ringing the telephone number at the top of the letter and guess what ??? it was rubbish so who do we send the threatening letter to

bygrace_2

rhan wrote: »

feel free to pm me so that maybe we can help eachother

Ok sure, and i know iw ill pm at some point, this is so much stress... thank you seeing as we are at the same stage

rhan

yes lets work together on this so we know what to expect from them in replies

tryingtowin_2

we have had those letters also, quite funny as we recieved identical letters.
thats the reason we have continued... one letter (our joint) had our surnames the wrong way round.. mr (my surname) and miss (his surname) had to laugh about it lol. anyway. am stuck with my o/draft with ltsb, they keep increasing it for me to pay me charges!! so i have this HUGE o/d with them now. i am not using my account anymore, and yet they are still taking charges, so on statements all you can see is : chg.. o/draft , chg..interest etc... i have called and discussed the account and they not willing to help. i am really hoping sooooooo much that we win our case, cus if we dont... dont know what to do as my credit scoring so bad (due to ltsb) i cant get any loans to pay them off. :mad:

Ooooooooops ive written an essay... sorry xx:eek:

JIMBOB'S_MUM

When I submitted my claim to MCOL in the 'claim particulars' I only wrote a breif statement saying that I wished to claim back charges which were unfair and disproportionate. Now I've read a few more posts I think I should have put much more detail in! I thought that I would only need additional information if and when I had to appear in court. Having read a few more posts I am now worried that if I have not been specific enough the claim will be rejected... can anyone help???

Stephen_Leak

I hate being the bearer of bad news, but the bank is right - for financial matters, the limit under the Limitation Act is 6 years from now.

For statement requests, it is 6 years from the date of your request letter.
At the letters stage of a claim, it is 6 years from the date of your first claim letter. However, when it gets to the court stage, the strict legal definition has to be used, which is 6 years from the date your court claim is issued.

rhan

so what do we all do next and where do we send and what do we include i take it with this stage we are all gonna go in for the kill and give them a short time limit to reply i really am disgusted that weve all had the same reply and not personal ones from our own banks