Lloyds bank charges

Tangel

:eek:Many years ago I made a claim against Lloyds for bank charges and at the time the case was stayed in the County Court as the ruling regarding such matters was going through. I have only recently come across the paperwork, am I still entitled to pursue my claim? My circumstances have changed somewhat so I am not sure if I would meet the financial hardship criteria now. Any advice would be of help. We are trying to save for a house now so any cash would be good.

Wywth

Tangel wrote: »

:eek:Many years ago I made a claim against Lloyds for bank charges and at the time the case was stayed in the County Court as the ruling regarding such matters was going through. I have only recently come across the paperwork, am I still entitled to pursue my claim? My circumstances have changed somewhat so I am not sure if I would meet the financial hardship criteria now. Any advice would be of help. We are trying to save for a house now so any cash would be good.

I suggest you contact the court and verify the status of your claim. I doubt it's still on hold after all these years, but if it is, yes you are entitled to pursue your claim.

I don't know what your original PoC were, but I doubt it is any longer valid if you followed the original advice on this site (and you can't, and never could, claim in court based on financial hardship)
This MSE article suggests a way of chnaging your PoC
http://www.moneysavingexpert.com/reclaim/oft-bank-charges

But note the warning now at the beginning (i.e. no successes have been reported over the 4 years this article has been published)

Edit: Will you be asking this again in another years time??? :cool:
https://forums.moneysavingexpert.com/discussion/4214615

dunstonh

I have only recently come across the paperwork, am I still entitled to pursue my claim?

The banks won the court case in 2009. Since then there have been no wins (on a conventional basis - referring to the one known success where someone got locked in the interview room by the bank)

My circumstances have changed somewhat so I am not sure if I would meet the financial hardship criteria now.

Current financial hardship cases have always been considered. Your mistake was to take the legal route rather than the complaints route.

Now you are no longer in financial hardship, you have no reason to ask the bank to look at your charges.

leclerc

Tangel wrote: »

:eek:Many years ago I made a claim against Lloyds for bank charges and at the time the case was stayed in the County Court as the ruling regarding such matters was going through. I have only recently come across the paperwork, am I still entitled to pursue my claim? My circumstances have changed somewhat so I am not sure if I would meet the financial hardship criteria now. Any advice would be of help. We are trying to save for a house now so any cash would be good.

The likelihood is that if the claim is still not stayed then it will have been thrown out after the Supreme Court Judgement in 2009. Financial hardship claims does not necessarily mean that the bank even have to pay out even 1p for any claim and I suspect that there is no case now for financial hardship. You have given no reason whatsoever as to why you even fall or did fall into financial hardship criteria so, good luck on saving for the house but this route is not the cash cow that it might have been before the 2009 judgement and financial hardship is not the way round it either

JuicyJesus

dunstonh wrote: »

The banks won the court case in 2009. Since then there have been no wins (on a conventional basis - referring to the one known success where someone got locked in the interview room by the bank)

...what!? Links please.... I'm intrigued...

dunstonh

JuicyJesus wrote: »

...what!? Links please.... I'm intrigued...

missed this first time around. Someone just linked to this thread and spotted your post.

Here is the case:
http://www.thisismoney.co.uk/money/saving/article-2011646/Widow-Josephine-Lewis-held-hostage-bank-manager-Christopher-Hicks.html