Lloyds Tsb Solicitors/review account

jonvic71

Ive Had A Letter Today Off Lloyds Tsb Solicitors Saying The Bank Will Be Defending On The Following Grounds, The Fees Are Properly Incorporated Into My Contract With The Bank And By Making Payments By Cheque, Debit Card Etc And Going Over The Overdraft There Are Penalties As Im In Breach Of Contract, And They Are Asking Me To Make An Appointment With My Local Tsb Within The Next 14 Days To Reveiw My Account And They Await Confirmation That This Action As Been Taken...as Anybody Else Had This Letter, What Do You Think...

Stephen_Leak

It seems to be Lloyds TSB's new solicitor's defence letter.

I just wonder what they mean by "reviewing the account", though. I cannot imagine that it is a threat to close it, as this would not go down well with a judge.

The account is clearly under dispute, so they cannot do anything to is as a result of that dispute.

LongStreak_2

Ive had so called reviews with Yorkshire Bank for the last few years.
Basically you went in they had a quick look at your account, asked you questions about your cards, loans mortgage etc.
Its all based on getting you in and getting you to sign up to there products.

I hate these reviews, I find the questions intrusive and the advice is biased on the basis that they want you to sign up with there products rather than shop around for the best deal.

So one year got the letter for my annual review, ignored it and bearing in mind that allthough my account was slightly overdrawn at the time it was well within its limit and there was no dispute between me and my bank about anything (unlike now), they called in my overdraft without warning.

I know at least one other person this has happened to with there bank, id go for the review but take a 'witness' with you incase anything they say could be of interest to the judge.

GarethR

jonvic71 wrote: »

Ive Had A Letter Today Off Lloyds Tsb Solicitors Saying The Bank Will Be Defending On The Following Grounds, The Fees Are Properly Incorporated Into My Contract With The Bank And By Making Payments By Cheque, Debit Card Etc And Going Over The Overdraft There Are Penalties As Im In Breach Of Contract, And They Are Asking Me To Make An Appointment With My Local Tsb Within The Next 14 Days To Reveiw My Account And They Await Confirmation That This Action As Been Taken...as Anybody Else Had This Letter, What Do You Think...

I wouldnt bother doing anything. To me this is just another delaying tactic the banks have adopted, its not a rude one but it certainly isnt helpful. You havent asked for a loan or anything like, in simple you want your charges back. Personally I would ignore it & carry on the process, alternatively you can say you have no wish to discuss your current account status until your original complaint has been dealt with in FULL

I saw another post on this site with the same thing, we should have a Banks New Tactics Forum :rotfl:

FireOpal_2

Hi everyone I really need help here I have received a letter from Lloyds solicitors (really scary) and would appreciate any advice:hello:

I have got as far as moneyclaim and am claiming back late payment charges on my credit card and Lloyds are defending not sure if to take their letter as a threat to close account or what. Anyway here goes please read I am desperate for advice:

The Bank will be defending these proceedings on the following grounds:

1. The fees that you seek are properly incorporated into your contract with the Bank;and

2. By making payments(whether by cheque,debit card or any other means) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which the Bank may meet or decline. If it meets your request, you must pay the necessary charges. The issue of penalties only arises as a matter of law, where there has been a breach of contract and there is not breach of contract here.

Looking ahead, a situation which gives rise to a dispute is not one the Bank wishes to continue. In view of this, you are requested, please, to make contact within the next 14 days withl your local Lloyds TSB Branch Manager, on 0845 3000 000, to review your account. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs.

princesskez26

FireOpal wrote: »

Hi everyone I really need help here I have received a letter from Lloyds solicitors (really scary) and would appreciate any advice:hello:

I have got as far as moneyclaim and am claiming back late payment charges on my credit card and Lloyds are defending not sure if to take their letter as a threat to close account or what. Anyway here goes please read I am desperate for advice:

The Bank will be defending these proceedings on the following grounds:

1. The fees that you seek are properly incorporated into your contract with the Bank;and

2. By making payments(whether by cheque,debit card or any other means) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which the Bank may meet or decline. If it meets your request, you must pay the necessary charges. The issue of penalties only arises as a matter of law, where there has been a breach of contract and there is not breach of contract here.

Looking ahead, a situation which gives rise to a dispute is not one the Bank wishes to continue. In view of this, you are requested, please, to make contact within the next 14 days withl your local Lloyds TSB Branch Manager, on 0845 3000 000, to review your account. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs.

Hi thats one of Lloyds/SCAMs standard letters. They seem to be asking many people now to make an appointment. I wouldn't worry about it, you're well within your rights to be claiming your recharges they just try and fob you off and stall you in the process.

They cannot close your account on the basis of you reclaiming if they do you are well within your rights to make a complaint to the Financial Ombudsman of which they will pay will compensation for.

Good luck with your claim

FireOpal_2

Thankyou PrincessKez

Does this mean I should not call and just ignore this letter??????

If I got to court would it be held against me if I had not complied with this????

Thanks for your help

FireOpal xx

Edinburghlass_2

Merged these two threads as the content of the letter from the solicitor is similar.

I have read a post somewhere about a user who made an appointment with the manager who phoned through and negotiated a settlement for their claim there and then.

GarethR

FireOpal wrote: »

Thankyou PrincessKez

Does this mean I should not call and just ignore this letter??????

If I got to court would it be held against me if I had not complied with this????

Thanks for your help

FireOpal xx

If I was you I would just ignore it, Im sure the judge would see it as a blatant tactic to stall on the banks part. Unless the judge says you do sumart then you dont have to

Maybe dont ignore it after Edinburghlass' post!!

:beer:

ANJEL1310

jonvic71 wrote: »

Ive Had A Letter Today Off Lloyds Tsb Solicitors Saying The Bank Will Be Defending On The Following Grounds, The Fees Are Properly Incorporated Into My Contract With The Bank And By Making Payments By Cheque, Debit Card Etc And Going Over The Overdraft There Are Penalties As Im In Breach Of Contract, And They Are Asking Me To Make An Appointment With My Local Tsb Within The Next 14 Days To Reveiw My Account And They Await Confirmation That This Action As Been Taken...as Anybody Else Had This Letter, What Do You Think...

Hi i had the same letter on the friday after the postal strike, the following week i received a second letter saying they didnt want to go to court and were willing to settle, i know from reading other threads on this and other sites that i am not alone, so i will keep my fingers crossed for you, good luck

dreamin

Hey jonvic71, hang in there. Bet you get another letter today or soon with a full settlement offer but with their terms attached which you can ignore.
They have been sending these letters out together on loads of claims.;)