LloydsTSB (merged)

Night_Owl_2

princesskez26 wrote: »

Woooooooooooooooooooooooooooooooooooooooo :J:J:J Lloyds had until friday to acknowledge my claims, I've rang the court this morning and they've done nothing !!!!! So I've won !!!!!!!! The clerk told me to post my judgement forms in today as I went via local court not MCOL xx Kez xx :beer:

Well done! Thats Fab news.
Lloyds have just filled Defence on MCOL! They had till the 11th June.

samantha123_2

oh my god!!!! thats so much money so can i stop the company that working for me and change to the fo!

Night_Owl_2

I'm reading everything on going to court now but need Terms and Conditions for Lloyds but not sure for when. I opened my acc. 1977! changed to joint when I married in 1984 but am reclaiming charges for the last 6 years.
What date should I try and look for?
I have a copy T&Cs from 2003, is that OK?

Matthew018_2

Two and a half months and two letters sent to lloyds T.S.B warning them of court action and still no reply from them.
The bare faced cheek of them.
I'm getting to the point where i can't be bothered even though they owe me nearly 2 grand.
Do you guys think i should start the court proceedings and do you have any idea how much it usually cost to start them?

Any help would be greatly appreciated :A

Edinburghlass_2

Presumably you gave them 14 days to reply or you would take them to court, so thats what you have to do.

You'll find a link to court costs in the Reclaim Help Thread which is linked in my signature.

taniadevotee

Hi, I went via my local court with Lloyds and they had til today to respond. Obviously I need to check with the court to see if they have but if not, what then?
i have changed to banking with Halifax and on the court forms asked for any money to be paid into that account.. (if you don't ask etc etc) is this likely or can they use the money to pay off any outstanding loan/cc I had with them?
Many thanks in advance, Tania xx

thefellow

really down to you...

LozBingley

The question is: - How long can you live without the money?

I have a similar claim in with Barclays.

I was charged £1580 over the years. I wrote to them and they offered £780, I refused and they upped the offer to £1080 and I refused again and went to court costing me £120 (this charge is applicable on claims from £1,000 to £5,000).

I was told today by a member of Barclays Bank Litigation Team that just before it goes to court they will settle the full amount plus costs and interest (totalling over £2,030) but it could take you between 2-3 months to get to this stage and that's if they offer you it or you win in court.

Check in the Reclaimed Bank Charges SUCCESS stories and search for your bank to find out how others have done.

Don't forget that there may have been 2 cases recently that lost at court but there must be hundreds daily winning!!!!

Edinburghlass_2

bobsyouruncle wrote: »

Hi Everyone

Can you help? First posting on site.

I hit the TSB for £1824.72 of what I think are illegal charges broken down as follows.
Account charges £274
O/D usage fee £25
O/D interest £58.22
O/D excess fee £1145
Unpaid DD etc £322.50

Have been offered £750.00 today.

I know I cannot claim O/D interest having looked at your postings so I don't expect that back. But are there any other of the above charges that I cannot claim?

If all charges above are illegal, is £750 reasonable to be offered.

Thanks for your interest.

£750 is the usual goodwill gesture from Lloyds and it is very likely to be in your bank before you can accept or decline.

Before you go much further I would check your claim and total it with the correct charges that you can claim. You need to find out what Account Charges are, the interest you can't claim and the rest seem okay, then you can make an informed decision on the offer. Your claim needs to be accurate when/if you take this to court.

andyval

Bank- Lloyds tsb

ive got all the letters sent,and everything that the claim on line has sent,ive got the breakdown of charges.
ive wrote to court and said i will be atteding on the 25th june at weymouth county court.
do i need to bring anything else?