LloydsTSB (merged)

haleygrey

it must be a standard LLoyds ploy, Ive had the same thing and posted a thread recently to the same effect about not being sent the questionnaire.
hopefully in the next few weeks, there will be a mass of happy threads from us ex lloyds customers.:money:

shevfiesty

Hi all, Could someone please let me know what this means:;)
'You might be interested to know that the OFT published new guidelines on credit card defaults in April 2006. We, along with other banks, have been talking through those guidelines with the OFT since then, as they are about "default" charges that people pay when they break an agreement with us.
Those guidelines do not apply to your service charges- they are not default charges as you haven't broken your agreement with us. The OFT has recently announced that it recognises that applying the general principles it set out in 2006 to current accounts is not straightforward and that a more detailed examination is needed.
Had acc. between 2002-2005
I dont understand this... If i haven't broken an agreement than why have i been charged? If these are not default charges then what are they? Service charges!! Whats a service charge when its at home!:rolleyes: :rolleyes:
Please someone shed a little light.
Shev.
LLOYDS BANK BY THE WAY

Sadie204

On the list of bank addresses to send off for your charge details, there is only one for lloyds tsb.

Does anyone know if this is the same address to send to for details of a credit card with lloyds? Not sure if need to send to different place as hoping to get started to claim back for both.

Stephen_Leak

shevfiesty wrote: »

Hi all, Could someone please let me know what this means:;)
'You might be interested to know that the OFT published new guidelines on credit card defaults in April 2006. We, along with other banks, have been talking through those guidelines with the OFT since then, as they are about "default" charges that people pay when they break an agreement with us.
Those guidelines do not apply to your service charges- they are not default charges as you haven't broken your agreement with us. The OFT has recently announced that it recognises that applying the general principles it set out in 2006 to current accounts is not straightforward and that a more detailed examination is needed.
Had acc. between 2002-2005
I dont understand this... If i haven't broken an agreement than why have i been charged? If these are not default charges then what are they? Service charges!! Whats a service charge when its at home!:rolleyes: :rolleyes:
Please someone shed a little light.
Shev.
LLOYDS BANK BY THE WAY

Its Standard Operational B*llSh*t.

In April 2006, the Office of Fair Trading recommended that credit card charges shouldn't be more than £12. The credit card companies couldn't be seen not to comply, but this still didn't change the law involved.

The credit card companies are now trying to make out that if, for example, you pay your bill late, you are asking them for extra time to pay and that this is a service and that this is what they are charging for.

As I said, SOB.

The fact remains that even the Office of Fair Trading’s figure of £12 is still “extravagantly” higher than the cost of administering a late payment or going over your limit and therefore unlawful. All that happens is that the computer adds the charge to your account. You don’t usually even get a standard letter.

Continue your claim.

Please read the Reclaim Bank Charges Help thread for information and the Reclaimed Bank Charges Success Stories and Reclaimed Bank Charges Success Stories II threads for inspiration.</O:p

puregraphite

Just received a letter from the solicitor for Lloyds TSB saying they'll pay me all the money I claimed and the court fee of £120

A total of £1158.74

Once I get the money from LTSB, its turn for Barclaycard

princesskez26

puregraphite wrote: »

Just received a letter from the solicitor for Lloyds TSB saying they'll pay me all the money I claimed and the court fee of £120

A total of £1158.74

Once I get the money from LTSB, its turn for Barclaycard

Well Done :j :j :j

How far into the court process did you get ?

Kez

juliejured

Can someone give me a bit of advice as to what to do next.

I have writen the first letter to lloyds asking for my money back on both my personal and business account aiving them 14 days to respond (which runs out on monday) I have had no responce yet regarding my personal account but received the following letter this morning regarding my business account-

I am just writing to let you know that we have received you complaint- and to say how sorry I am to learn that you feel you have cause to complain.

Please get in tough if we've misunderstood your concerns or if you have some more information you want us to have. If we dont hear back from you in the next couple of days, we will carry on with our investigation using the information you've already provided.

We expect our enquiries to be completed within the next four weeks but we will try to get our responce to you sooner if we can. If there is a delay, we will let you know why and we will give you an idea of when you can expect to receive a full responce to your complaint. I hope we can sort things out for you.

In the meantime attached to this letter is a document called 'voicing your concerns' This tells you all you need to know about resolving your complaint with us.


I believe that they are just trying to stall things. Do I let them have another four weeks, or do I send the next letter? Any advice would be greatly appreciated.

Ju

shevfiesty

I would send them the next letter. I am on the next letter stage myself. Lloyds seem to be the most stubborn of em all. They seem to fight fight fight then back down at the last minute. Why not pay up now and save themselves all that extra interest and court fees. I recieved a letter this morning basically telling me to p**s off and that they do everything to help their customers! They carry onto say in future i can get an up to date balance on my account at their cash machines, over the phone, on line or by text.
I wonder, did they actually read my letter or check the account- if they did they wouldve realised this information means nothing to me as they closed my account over 2 yrs ago.

ronnie3108

juliejured wrote: »

Can someone give me a bit of advice as to what to do next.

I have writen the first letter to lloyds asking for my money back on both my personal and business account aiving them 14 days to respond (which runs out on monday) I have had no responce yet regarding my personal account but received the following letter this morning regarding my business account-

I am just writing to let you know that we have received you complaint- and to say how sorry I am to learn that you feel you have cause to complain.

Please get in tough if we've misunderstood your concerns or if you have some more information you want us to have. If we dont hear back from you in the next couple of days, we will carry on with our investigation using the information you've already provided.

We expect our enquiries to be completed within the next four weeks but we will try to get our responce to you sooner if we can. If there is a delay, we will let you know why and we will give you an idea of when you can expect to receive a full responce to your complaint. I hope we can sort things out for you.

In the meantime attached to this letter is a document called 'voicing your concerns' This tells you all you need to know about resolving your complaint with us.


I believe that they are just trying to stall things. Do I let them have another four weeks, or do I send the next letter? Any advice would be greatly appreciated.

Ju

Most dfeinitely DO NOT give them another 4 weeks. We got the same response from them and chose to ignore this (recognising it as a stalling tactic) and you bet your life - 4 weeks later they wrote another letter advising that despite the 4 weeks they still did not have a response for us and needed even more time to investigate our claim. How long were they hoping to drag this excuse out for. Oh I know! until the office of Fair Trading made a judgement at the end of the year over the true cost of bank charges. With that letter begging for more time to investigate they sent a leaflet telling us we could refer the matter to the financial ombudsman. In all this time they had broken their own customer service code by being unable to deal with our response in a timely manner and we had by then filed a claim on MCOL anyway. No acknowledgement/admission OR defence on MCOL so we entered judgement which we obtained by default. No payment to date, and so last week we issued a warrant to obtain money byu force from our local branch. i will be phoning the bailiffs office on tuesday for an update.
What baffles me is that they appear to be paying up when they have already issued a defence - however we are at the bailiffs stage and have received nothing. They are so damned arrogant it's infuriating. I hope the bailiffs storm in and rip their flaming furniture & computer equipment off them. Their own damned fault, AND they'll be paying the costs for the privilege of that humiliation.

Bluediamond

Have just received final payment from Lloyds...claim was for £1825.00 they paid £1450 so I am happy with that.I sent the template letters. Got the standard replies.I contacted the Ombudsman and they were so quick to help with the cliam.I got the money back that has now paid for our Holiday to Egypt !There was no way that I was going to waste more time with courts etc so I went directlty to the Ombudsman. The whole process took two months from start to finish. That is my template letters to Llloyds, their replies and the Ombudsman reclaiming back. SimpleAnyone who has had no luck with the letters. Go the the F.Ombudsman. It's free and so much quicker