LloydsTSB (merged)

general75

I recently sent a letter to Lloyds asking for statements and they replied basically saying reclaim charges are for default charges only, when people break aggreement with them and i haven't broken my aggreement with them.

The main reasons i got charged are having no money in my account when standing orders come out and also when i get charged for been overdrawn and the charges send me overdrawn.

at the end of letter they do say i will be send statements anyway.

Your advice would be deeply appreciated.

Many thanks

princesskez26

general75 wrote: »

I recently sent a letter to Lloyds asking for statements and they replied basically saying reclaim charges are for default charges only, when people break aggreement with them and i haven't broken my aggreement with them.

The main reasons i got charged are having no money in my account when standing orders come out and also when i get charged for been overdrawn and the charges send me overdrawn.

at the end of letter they do say i will be send statements anyway.

Your advice would be deeply appreciated.

Many thanks

It's just one of Lloyds standard bog off letters many people on the Lloyds TSB thread have had the same. Ignore it and crack on with reclaiming whats rightfully yours

Good luck

Kez

general75

many thanks for your speedy reply.

Tavish

i had originally claimed for £3.400 with interest..with lloyds tsb..i have gone through the template letters up to threatening to take court action,being the last letter i sent..this morning i have received a letter from lloyds...saying "generally we dont agree to adjust any of these charges,but on this occasion we are prepared to pay you £750 in full and final settlement of my complaint"this amount has been credited to my account..so they basically saying thats them done and if im not happy get in touch with the FOS....is my next move to take them to court for the remaining amount...not anywhere in there letter does it give me a choice...so im a little confused as what my next move will be...any help would be appreciated..i am NOT happy to settle at £750..are they trying it on?

Scotties_Mum

Hello everyone.
I am claiming on accounts with Lloyds, 1 for £4,000 +. the other for £2,000 +. I have sent letters, done MCOL, had court allocated to Colchester, then passed onto Southend. (one judge apparently is now dealing with all the bank charges claims in Essex).

I rang Southend court, who were really helpful, mainly as I was starting to get a tad worried because this is a huge amount of money for me, and what with the recent Lloyds win etc... Anyway, she advised me that my claim had been 'stayed' until 27/6/07 to allow either party to come to a settlement, and after that would probably get a court date. The lady also said that NO case had ever gone as far as court there, which reassured me hugely.

Well, this morning I have a letter from SCAM, which indicentally spells my name wrong, and has wrong postcode on it (I will be letting them know). The letter is asking for all the charge info due to a discrepancy, which I guess is their normal standard letter, and states that their client is 'minded to settle'.

I am going to re-send all the charge info to them, and copies of them again along with the letter I send with them to the court. I am obviously not going to settle for less than my claim, but in anybody's opinion, am I getting close to the finishing line??! And also, how do I claim for any charges which have been added to the accounts since my claim went in?

Sorry for long message, hope someone can help?

Stephen_Leak

Tavish wrote: »

i had originally claimed for £3.400 with interest..with lloyds tsb..i have gone through the template letters up to threatening to take court action,being the last letter i sent..this morning i have received a letter from lloyds...saying "generally we dont agree to adjust any of these charges,but on this occasion we are prepared to pay you £750 in full and final settlement of my complaint"this amount has been credited to my account..so they basically saying thats them done and if im not happy get in touch with the FOS....is my next move to take them to court for the remaining amount...not anywhere in there letter does it give me a choice...so im a little confused as what my next move will be...any help would be appreciated..i am NOT happy to settle at £750..are they trying it on?

£750 is their current standard amount.

Write back to the bank, politely accepting it as a "part payment without prejudice". Continue your claim for the rest.

At this point, you have to decide between referring your claim to the Financial Ombudsman and starting court proceedings.

If you don't think that you could successfully handle a court claim, or can't afford the court fees and aren't eligible for fee relief, then the Financial Ombudsman is an alternative. It is free of charge and handles everything for you. However, they cannot force the bank to pay up, set the level of the settlement or award interest like a court. Despite this, a formal investigation by them is something a bank will do almost anything to avoid, and their success rate is good. However, if the Financial Ombudsman is unsuccessful or the settlement is unacceptable, you can still start court proceedings.

As the reply suggests that you now refer your claim to the Financial Ombudsman, then you can refer your claim to the Financial Ombudsman straight away.

As you threatened to start court proceedings, gave them 14 days to reply and you have not received an acceptable reply by your deadline, then you can start court proceedings on Money Claim Online.

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.

sexualfloody

I am acting on behalf of my parents cos they would never be able to get to grips with all the ins and outs of reclaiming so to speak.i sent the first template letter requesting the amount of just over 3000.my parents gota letter saying 4 weeks blah blah look into it, they were happy to wait to see what happens.then last week they got a letter basically saying "ur getting nothing,charges are fair etc" but on the letter it says any problems contact finanical ombudsmen.do I proceed to threatening court action (something i dont think my mum and dad are prepared to go through with,although i have expalined it may/may not get that far) or do i contact the financial ombudsmen and let them take over.i realise the risk this involves.Any help here would be appreciated.

bagnallc

I have a court date set on 27th June 2007. My claim is for £105. I have heard nothing and am now panicing. There is no money in my account and I was unable to submit my defence paperwork as I received the letter after the 21day cut off limit. What should I do - can I cancel the claim as I don't want to be the third case to lose.

saxolady

I got a letter from Lloyds Solicitors nearly 4 weeks ago, confirming that, while waiting for a court date, they will pay my claim £1260, plus the £120 court fee, however, the charges and interest had increased, so I replied advising that I will accept the offer as part payment. I rang and asked how long it would take before the money appeared in my account, they advised approx 2 weeks, I rang after 2 weeks and was told it could take up to 3 weeks, I have now received a letter from the court asking for an application fee, as they now have all the evidence required, do I pay that? do i wait a little longer for Lloyds? When I ring the solicitors they say i need to speak to the branch, when I ring the branch, they advise that I speak to the Solicitors. Can anybody Help and advise me what to do, or who to speak to

gab55

Scotties_Mum wrote: »

Hello everyone.
I am claiming on accounts with Lloyds, 1 for £4,000 +. the other for £2,000 +. I have sent letters, done MCOL, had court allocated to Colchester, then passed onto Southend. (one judge apparently is now dealing with all the bank charges claims in Essex).

I rang Southend court, who were really helpful, mainly as I was starting to get a tad worried because this is a huge amount of money for me, and what with the recent Lloyds win etc... Anyway, she advised me that my claim had been 'stayed' until 27/6/07 to allow either party to come to a settlement, and after that would probably get a court date. The lady also said that NO case had ever gone as far as court there, which reassured me hugely.

Well, this morning I have a letter from SCAM, which indicentally spells my name wrong, and has wrong postcode on it (I will be letting them know). The letter is asking for all the charge info due to a discrepancy, which I guess is their normal standard letter, and states that their client is 'minded to settle'.

I am going to re-send all the charge info to them, and copies of them again along with the letter I send with them to the court. I am obviously not going to settle for less than my claim, but in anybody's opinion, am I getting close to the finishing line??! And also, how do I claim for any charges which have been added to the accounts since my claim went in?

Sorry for long message, hope someone can help?

The letter you have received regarding discrepancy's is a fairly standard letter, I received at the beginning of May!, i have heard nothing more and now have a court date for 3/8, so unfortunately in my case i am no closer.
I did however contact the solicitors and all they do is request information for the bank, pass it over and if the bank want to proceed they contact the solicitors again, scam say they don't hold any files there!!!!!!.

As for claiming more charges I'm not sure how you go about that but have read of others starting new claims once these have completed for charges accrued in the meantime.

But if it makes you feel slightly better i have already won money back from my other Lloyds account but it didn't go this far.

Hope this helps