Trying to claim my bank charges

jonvic71

After receiving my statements for 6 years I wrote to tsb with the first letter after 6 weeks i got a reply saying they had sent my letter to complaints departmant and i would get a response within 4 weeks, i got a letter on saturday saying we need more time we will try and get you a response within the next 4 weeks if not we will write back to you again asking for more time, my bank charges are over £6000 and they would really change mine and my familys life, please help what should i do sit and wait or is there another letter i should write or do i threaten with the courts...

TheNugget

It has taken me 6 months so far with Lloyds TSB and I have just received my court information through the post.

Lloyds initially sent me a letter stating the charges were actually services and stating that I was paying for everything because I had agreed to. Lloyds ignored the rest of my letters probably hoping that I would go away.

If it is in excess of 6000 that Lloyds owe and they are not communicating with you, I would suggest using the letter templates stated in Martins Article on Bank Charges. This gives them clear instructions on your requests and the consequences of what will happen if they are ignored.

On the + side if they are taking a long time, you can look at it as a £6000 investment. As Interest is charged at 8% per annum up to the settlement date there will be a nice load of interest accruing over the period. And lets face it you can't get an 8% lump sum savings account anywhere at the moment.