LloydsTSB (merged)

atypicalblonde

Hi all, quick question: are Lloyds closing bank accounts? I am reclaiming for my boyfriend - has he has 2 accounts with them and a loan. Will they close the accounts and call in the Loan if we successfully reclaim money from them? I have hunted about but cant find the answer to this anywhere? xx thanks guys

alyssa_mae

Edinburghlass wrote:

As you have tried phoning and it didn't work you can try sending the first letter asking for them to refund the charges.

sorry but what is the first letter and I will have to wait till the money comes out of my account??

Giggilicious

smudgersmith wrote:

Hi, any advise would be great. I sent the letter off to Lloyds requesting a refund of charges and they sent a very nice/polite letter back with the usual blurb about charges being for their services and that that they can't agree to my request to refund my charges and that if I want to take it any further I would be referred to the FInancial Ombudsman Services for independant advise.
Help, I don't know where to go from here and I want my money back.
Thanks

I received that letter also, its just a way for the banks to try and get out of being taken to court - still carry on with proceedings

Edinburghlass_2

alyssa_mae wrote:

sorry but what is the first letter and I will have to wait till the money comes out of my account??

No you don't need to wait until the money is out of your account as you have been told that it will be charged. If its the only charges you have had you could adjust the letter to say that this is for charges about to be debited to your account.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

Rachyb_3

Hi,

Rec'd letter this morning from Lloyds basically saying they can charge the charges etc etc and the usual "will help you refer to Financial Ombudsman" etc.

Going to now send the letter threatening court action, where u have to fill in the name of court, do you put your local courts? Magistrates closest to me ??

Thanks for any help... and wish me luck!!

Rachel

Rex_Mundi

Rachyb wrote:

Going to now send the letter threatening court action, where u have to fill in the name of court, do you put your local courts? Magistrates closest to me ??

It will be the name of your local county court (not magistrates). See post #6 in THIS THREAD to find your local court.

allym316

KellyB wrote:

.....receive JSA ....and I get charged £110.....My benefit money was swallowed up by this charge and they then let out Direct Debits meaning I'm now £58.63 overdrawn!

.....Effectively they wouldn't let others have their money but they wanted theirs.

Hey Kelly, thats not great is it

On the Consumer Action Group site,
http://www.consumeractiongroup.co.uk
there is a reference to RIGHT OF APPROPRIATION which if I understand correctly means YOU get first dibs on your benefit and the bank cant take their charges out of it. The thread also notes that the DWP may be able to have some influence on grabbing it back if the bank have already done so

if i may reproduce a few lines -
"there have been several reported cases of Banks taking charges from accounts that have benefits paid into them by DWP and Social security.thus leaving them with little or no money.
(t)Here is a template letter to take or send to the bank to address this.
It is important to let the bank have this BEFORE you expect to have funds paid in by DWP or the Inland revenue.
A new letter should be sent for each payment that you expect to be protected,customise as required by adding the benefit/type of payment."

If you go over and register and see the thread marked "Is the bank taking your Benefits" this may help further see http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/36790-bank-taking-your-benefits.html

The thread also refers to another link http://www.adviceguide.org.uk/nm/c_banks_and_building_societies.pdf#search=%22RIGHT%20OF%20APPROPRIATION%20bank%22

which clearly points out that -

"Even if your account is overdrawn, you can choose how any further money you pay into the account is used (for example to pay your mortgage or rent). This is called first right of appropriation. You'll need to write to them with new instructions each time you make a deposit."

HTH and good luck and let us know how you get on :beer:

(Id like to point out that Im no expert and have just copied and pasted a few links... PLEASE register on the CAG website and see if it can help you)

mrgibby

hello i am new on her pleased to meet you all i am writing this post i applied to the bank for my charges to be paid back and this is what they returned to me after the first letter i sent so now i must move on to the next stage if anyone as any ideas please let me no what to do and i will start straight away thankyou for you help[IMG][/img]

Edinburghlass_2

Move on to your next letter.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

porkev

hi everybody,
just wanted to ask a quick question, i am in the process of getting the first letter to the bank and was just wondering as i walk past my local branch every day can i just pop it through the letterbox or is it best to post it recorded delivery so you have proof they received it:
any help would be appreciated
cheers in advance