Next step???

babyemily

I am a bit stuck now. Having read all on here about people sucessfully reclaiming and reading all the information on here. I realised my husband could have a chance of reclaiming, basically its gotten so bad due to the charges that we are considering filing for bankruptcy in his name. The bank charges amount to thousands and we just cannot make a teeny dent in them never mind pay them off. The bank refuse to help and just demand everything owed. So I wrote the letter asking for a copy of all the transactions and enclosed a £10 cheque as suggested. I sent the letter 1st class recorded to the address for Lloyds listed in the sticky. Today I checked online only to find that Lloyds refused to take or sign for the letter? What do I do now. I cant find anything in the forum to help me with this.

Premier_2

babyemily wrote: »

I am a bit stuck now. Having read all on here about people sucessfully reclaiming and reading all the information on here.

I seem to have missed those posts; perhaps you could point us in the right direction please?
(Posts prior to November 2009 when the Supremem Court made it's ruling do not apply)

babyemily wrote: »

I realised my husband could have a chance of reclaiming, basically its gotten so bad due to the charges that we are considering filing for bankruptcy in his name. The bank charges amount to thousands and we just cannot make a teeny dent in them never mind pay them off. The bank refuse to help and just demand everything owed. So I wrote the letter asking for a copy of all the transactions and enclosed a £10 cheque as suggested. I sent the letter 1st class recorded to the address for Lloyds listed in the sticky. Today I checked online only to find that Lloyds refused to take or sign for the letter? What do I do now. I cant find anything in the forum to help me with this.

Save the tenner, you'll probably really need it if you are in genuine financial hardship. (If not, you've no chance of getting any refund)

Contact Lloyds and get internet banking set up (if not already done)
It costs nothing and that will give you much more than the last 6 months transactions ... and posts by others indicate that is the most you are likely to get back in charges.
Note even this is not guaranteed as the banks are not obligated to refund anything. As you say you are up to your necks to the sums of £000s, then I suspect such a small refund won't help much ... so less likely you are to get it.

Bankruptcy may be the way forward? Take independent advice if you are thinking of following this route. If you do decide to do it, then attempting to reclaim any bank charges at this stage would be pointless anyway.