LloydsTSB (merged)

Kurt_Hamster

MaddyAnn wrote: »

I am claiming bank charges of 620 pounds on behalf of my boyfriend. He recieved a letter from TSB yesterday saying they are prepeared to repay 339 pounds in full and final settlement. The confusing thing is TSB has already credited my boyfriend's account. We have not decided whether to accept this - have they taken the decision out of our hands or can we try and get the full amount? What happens to our claim on Money Claim?
It seems to me that TSB is being cheeky!
Would be really grateful for any advice!
Thanks

Please read http://forums.moneysavingexpert.com/showthread.html?t=400981

ladybette

Hi, This is my first post (although I've been a bit of a lurker for a while!) but need a bit of advice... I thought I was being all clever and read through all I need to do to reclaim my charges, got the statements, worked it all out,sent the letters etc, I filled in all the moneyclaim forms and paid this morning, Then I came back onto MSE and only then saw the post about what you can claim, interest-wise. Rechecking my numbers,I've tried to claim the excess overdraft interest when I shouldn't (I haven't claimed normal o/d interest) but have already started the mcol process! My question is.. should I redo all the numbers and rewrite to the bank with a new, lower figure, admitting the mistake (and then cross my fingers) or shall i wait til tuesday and try to cancel the moneyclaim and start again, although if I do this do I risk losing my £120?
I'm kicking myself, I thought I had been so thorough reading everything and completely missed the contractual interest bit!

Thanks for any help...

Kurt_Hamster

ladybette wrote: »

Hi, This is my first post (although I've been a bit of a lurker for a while!) but need a bit of advice... I thought I was being all clever and read through all I need to do to reclaim my charges, got the statements, worked it all out,sent the letters etc, I filled in all the moneyclaim forms and paid this morning, Then I came back onto MSE and only then saw the post about what you can claim, interest-wise. Rechecking my numbers,I've tried to claim the excess overdraft interest when I shouldn't (I haven't claimed normal o/d interest) but have already started the mcol process! My question is.. should I redo all the numbers and rewrite to the bank with a new, lower figure, admitting the mistake (and then cross my fingers) or shall i wait til tuesday and try to cancel the moneyclaim and start again, although if I do this do I risk losing my £120?
I'm kicking myself, I thought I had been so thorough reading everything and completely missed the contractual interest bit!

Thanks for any help...

It is a bit of a grey area as technically interest paid on an unlawful charge is reclaimable. The difficulty arises when trying to prove it.

My first thought would be to not change anything yet and see if the other side or the judge pick up on it. You can always amend your claim later. There is nothing that specifically states that you can't claim it so you aren't being dishonest in claiming for it.

ladybette

Ok, I'll wait and see how it goes. Hopefully Lloyds will offer something acceptable before it gets to court. Many thanks.

tryingtowin_2

hi again,
recieved the acknowledge this morning from the court. it says......

an acknowledgement of service of your claim was filed today.
the defendant now has 28 days from the date of service of the claim form to file a defence.

Is that 28 days from now? or when it was served on the 13th may?
confuddled yet again.

can i ask ppl who have recieved the £750... how far in your process was you when you received it please.
thanks lisa.

Kurt_Hamster

tryingtowin wrote: »

hi again,
recieved the acknowledge this morning from the court. it says......

an acknowledgement of service of your claim was filed today.
the defendant now has 28 days from the date of service of the claim form to file a defence.

Is that 28 days from now? or when it was served on the 13th may?
confuddled yet again.

can i ask ppl who have recieved the £750... how far in your process was you when you received it please.
thanks lisa.

You've already answered your own question

lindilou39

ladybette wrote: »

Hi, This is my first post (although I've been a bit of a lurker for a while!) but need a bit of advice... I thought I was being all clever and read through all I need to do to reclaim my charges, got the statements, worked it all out,sent the letters etc, I filled in all the moneyclaim forms and paid this morning, Then I came back onto MSE and only then saw the post about what you can claim, interest-wise. Rechecking my numbers,I've tried to claim the excess overdraft interest when I shouldn't (I haven't claimed normal o/d interest) but have already started the mcol process! My question is.. should I redo all the numbers and rewrite to the bank with a new, lower figure, admitting the mistake (and then cross my fingers) or shall i wait til tuesday and try to cancel the moneyclaim and start again, although if I do this do I risk losing my £120?
I'm kicking myself, I thought I had been so thorough reading everything and completely missed the contractual interest bit!

Thanks for any help...

dont worry I,ve done exactly same thing....but am going to wait till Lloyds put a defence in then when it gets to the further POC I may add it in or on advice I may go for amendment to claim, you can phone mcol about this, they do help, if you decide to go for an application to amend the fee is £35.00.

Lin

Northern_Chap

I have sent instrucion via the court to claim £1200. Lloyds have offered me a figure of £750.00 on the basis that this is a bets and final offer. DO i continue with the claim or agree to settle?

If i settle do i loose my £120 court costs?

Help please?

Kurt_Hamster

Northern_Chap wrote: »

I have sent instrucion via the court to claim £1200. Lloyds have offered me a figure of £750.00 on the basis that this is a bets and final offer. DO i continue with the claim or agree to settle?

If i settle do i loose my £120 court costs?

Help please?

If you settle you get what they are offering, no more no less. So basically you will lose £450 + £120 = £570

As to whether you continue or not, well that's up to you. No-one here will make the decision for you.

Northern_Chap

Has anyone had this before once they have served notice from the court on the bank? And has anyone continued to take the bank to court?