LloydsTSB (merged)

kevb68

hi all,
fantastic site,recommended to me by a friend.sent first letter to LTSB,waiting for a reply.Hope as simple as it looks.;)

Edinburghlass_2

I'm not saying she shouldn't go ahead as it should be a separate agreement from her account but its something to be aware of but more so if she wants to claim back late payments (if incurred) from her loan account. Good luck!

bigbird1971_2

I dont think she wants to claim back late payments on loan think she wants to steer clear of that......just two other accounts that shes got with them im not 100% but will find out shortly no doubt when she finally gets here...lol...thanks again

Edinburghlass_2

kevb68 wrote:

hi all,
fantastic site,recommended to me by a friend.sent first letter to LTSB,waiting for a reply.Hope as simple as it looks.;)

Just follow the steps and it should be simple

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

lostcrusader

Hi my fellow poverty struck persons.

Any one with 1st hand knowledge who can help me please.

I have just recieved my bank statements from Lloyds, I was going through them and I see that I was charged "overdraft Interest Charges" per month.

Is this to allowed to be claimed or is it exempt. The average interest charge was £175 per month on to the account.

Anyone can advise as soon as possible I would be so much indebted and will buy a drink should I be successful.

Many Thanks

:beer:

Rex_Mundi

lostcrusader wrote:

I have just recieved my bank statements from Lloyds, I was going through them and I see that I was charged "overdraft Interest Charges" per month.

Is this to allowed to be claimed or is it exempt. The average interest charge was £175 per month on to the account.

Normal overdraft interest cannot be claimed. You can only claim interest on charges that have taken you over your authorised overdraft limit.

£175 a month? How much were you overdrawn?

lostcrusader

Many Thanks for the reply.

I do not know what the overdraft was at the time as the last statement with details ended 18-09-2001.

At the date above the overdraft was 249.98. However, as I was dissmissed from work on ill health my income did not get paid into bank.

Hence I believe the overdraft may have accumulated to near the £10000 mark hence the high interest charges.

Pretty bad I know but the bank kept adding the debt on the full knowledge of my income being cut.

Sorry if your chin is on the floor by now.

Thought I would ask in case their was a remote chance of getting the interest returned.




PS>.. one does not ask.. one does not get knowledge

marsgirl

Hi guys, newbie poster here

I went to court last july with a voluntary redundancy application which was upheld (massive dent in my pride but forced to take action because of unsympathetic creditors and severely reduced circumstances). This application was granted and I am now an undischarged bankrupt.

Does anyone know if I am still able to claim for all the charges I suffered to my (now closed) bank account and credit cards?

Cheers in advance for your advice

Al

marsgirl

That should read bankruptcy petition not redundancy application...blame it on the lack of sleep and temporary insanity.

Then again you could just blame it on the boogie :-)

teena0410

Hi All,

I sent a couple of letters to Lloyds TSB using first class recorded over a week ago, and so far the online checker is saying that they haven't signed for them! I spoke to Royal Mail and they have said first class recorded letters aren't trackable in the system until they are signed for and will be returned if they can't get a signature by 13th Feb. I have heard that banks don't always sign for post individually and so might have already received them. Do I just stick to the time schedule and hope that they acknowledge my claim when it gets more serious? Hope this makes sense.

Many thanks,
Tina