LloydsTSB (merged)

Rex_Mundi

Kershaw1 wrote:

Should I have recieved something from Lloyds TSB before now?

Sometimes they don't reply. It is 7 days, not 7 working days. As soon as your dealine is up, move straight onto the next stage (issue a court claim).

Beate

Beate wrote:

Since I read about the bank charges thing I have helped my friend to look at his past bank charges with both Capital One and Lloyds TSB. With Lloyds the situation is as follows: he had both a personal and a business account with Lloyds, and on the business account, judging from all the statements and letters he got to that effect, they have charged him £320 in "Fees for Unpaid Cheque", "Fees for Unpaid Items" and "Charges as Advised", whatever the latter means. I assume it's all more or less the same thing, as it's always £27.50 (in the beginning) and £30 every time later on.

Now, the weird part is that, although there are countless "returned DD's" on the statements of his personal account, I cannot find any fees charged for the privilege of doing so. Can that be right? Why would they charge his business account every time, but not his personal one? I am more than puzzled but can of course not get any charges back which aren't shown. Am I missing something here, does it make sense to send the letter asking for all the charges details and spend £10 on it? His statements are awash with "Returned DD" posts, and in the end they closed his account down because of that, and they expect me to believe they didn't charge him because of it? What do you think happened here? Don't tell me they were nice for once!

Sorry could I ask once more whether anyone has any thoughts on this. Would it make sense to send the £10 letter or do I accept that they apparently only charged one account every time they had to return a DD and not the other? Seems a bit strange to me.

budget_bill

thx, bengal-stripe! shall start phaze 1

kegan5

I'm looking to reclaim some charges i've incurred from lloyds.

i understand there are companies who will actually do all the hard work for you (they take a percentage), has anyone used any of these companies? or heard of any?

I had a look today but felt that a lot of "fake" sites would be set up as it clearly must be an easy way to grab peoples bank details.

Rex_Mundi

kegan5 wrote:

i understand there are companies who will actually do all the hard work for you (they take a percentage), has anyone used any of these companies? or heard of any?

What 'hard work'???

It takes a few letters spread over a couple of months (all the template letters are in Martins article).

If you get to court stage, all the info you need is here (including all the wording for the forms). The banks are settling in 99.9% of cases. The chances of going in front of a judge are minimal to less than minimal.

Martin mentions a couple of companies at the bottom of his article, but he certainly doesn't recommend them (they take between 25% and 40% of your own money).

These are some of the comments Martin has made about these companies.......

MSE_Martin wrote:

My belief is this is a process the vast majority of people should do for themselves. They should not be going to claim handlers, its a relatively straightforward process and there is no need to use someone.

There are a raft of vultures and ambulance chasers out there desperate to make a penny from selling people a service they dont need.

People have already given the banks their cash unfairly, my aim is to to stop them giving it to others unnecessarily.

Barrold_2

Hello... 1st timer here..

I bank at LTSB & when i go overdrawn they charge me an
"Unauthorised borrowing fee" This started off at £10 each day and has risen to £15 over the 4 yrs i've banked there

Sorry for being silly but can i claim these charges back...?





http://img.moneysavingexpert.com/smilies/confused-smiley-013.gif

Barry

Rex_Mundi

Barrold wrote:

I bank at LTSB & when i go overdrawn they charge me an
"Unauthorised borrowing fee" This started off at £10 each day and has risen to £15 over the 4 yrs i've banked there

Yes, you can claim these charges. Have a look at post #4 in THIS THREAD.

tiff

kegan5 wrote:

I'm looking to reclaim some charges i've incurred from lloyds.

i understand there are companies who will actually do all the hard work for you (they take a percentage), has anyone used any of these companies? or heard of any?

I had a look today but felt that a lot of "fake" sites would be set up as it clearly must be an easy way to grab peoples bank details.

Everything you need is here. There are thousands of people here who can share their experiences and guide you through the process. You can ask as many questions as you like. Martin has laid out the process step by step. Follow each step one at a time. Why let one of these companies take a cut?

kathyd_2

:mad: I have just spoken to a Manager at my local branch after the second trip for my OH into town to ask for a copy (in a letter) of my son's contract and also for a copy of terms and conditions. What a cheeky git! :mad: He said that if having a copy of the contract is a court requirement the court should be requesting this and not my son. He also would not provide us with a copy of terms and conditions for a current account. He said "I am extremely concerned that you are not listening to what I am saying and this is a VERY serious matter" :mad: (like I needed telling!) "I said I am extremely concerned that you are preventing us from getting hold of information that may be required in a court of law". My OH is at the bank as we speak hopefully now getting a hold of a copy of the T&C. Sorry for the rant, feel better now.

:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:

teena0410

Hi Kathyd,

Is it essential to get a copy of your contract and T&C's then? From what I have read, it seems to be a bit of a task getting hold of them. Lloyds TSB seem to be one of the worst to be dealing with

Cheers,
Tina