Lloyds TSB

lindilou39

jamesdono wrote: »

hi all,

hope u can help me:

After receiving my statements i have a claim of £685 for unfair bank charges - using this website to calculate interest on all the lines individually this upped my claim to £900.60.

I sent this info onto lloyds (12.05.07)who promptly responded with the standard letter of "these are fair charges etc blah blah...you can speak to the financial ombudsman blah blah if we do not hear from u by 02.08.07 we will consider this matter closed.

I then resent a letter (12.06.07) sayin i want them repaid an if no response i will proceed with court action after 14 days....i did not get a response..so started filling out my form on MCOL...when i got to the fisrt bit about my charges and interest the figure differs to that i calculated on this site...is that ok to submit the claim for slightly less (bout £70) or will this throw my claim out the window? Also i did not follow this up as it would cost £80 to process, i could not do it at the time when the 14 day deadline was up, so i waited to see if i'd get another letter from Lloyds...i didn't so i re-sent another letter on 04.07.07 saying i would start court proceedings if they did not respond within 7 days...this period has also expired and i don't have the funds to proceed until friday 27th - does this throw out my claim altogether or will i be ok proceeding and does it matter if my amount differs on the court claim to that i sent in the letters? Also none of my letters were sent recorded / special delivery..regret that now!

Any help would be much appreciated as i think i may have blown this!

the calculations will differ obviously as it is calculated on a daily basis, if I where you, the day you submit your claim should be the day you do the interest calculator and get your figures exact....It doesnt matter what figures you give the bank the courts will know that the interest changes daily..and No it doesnt throw out your claim, so as Mark and Lard would have said...Stop...No..... Carry On!

Lin

Good Luck

Crazy_Hamster

I was claiming for just under 1K and I've had the common offer of £750. I'm happy with that, they accept that I ran my account badly during the time I was with them. It's 3 months from sending my first letter and I didn't have to start a court claim or go to the ombudsman

Steviev

Hi, i have just recieved my bank charges statement from lloyds TSB, do i include the charge I had when going into my overdraft, stated as 'O/DRAFT USAGE FEE' on the statement, aswel as going over the limit?

GarethR

Steviev wrote: »

Hi, i have just recieved my bank charges statement from lloyds TSB, do i include the charge I had when going into my overdraft, stated as 'O/DRAFT USAGE FEE' on the statement, aswel as going over the limit?

Dont think you can mate as this is you paying for a service, although if this was a service you would probably have a small charge rather than one that is say £20+

If it is the latter I would add it in

All they will do is adjust it

:beer:

Steviev

Its £20 and £25, only a couple charges there but im adding everything apart from the overdraft interest and account charge for service(which is from £4 to £7). As you said they will probably adjust it if its not applicable to claim back. Thanks Gareth.:D

manickev

Hi everyone, I've just joined the forums today, but have been using MSE.com to reclaim my girlfriends bank charges from Lloyds TSB.

We have just got to the MoneyClaim online stage, and have noticed today that Lloyds TSB have acknowledged our claim.

Has anyone recently had experience of dealing with them, as I was wondering if they are still doing this as a token gesture and then not defending - could anyone in the know please give me some pointers??

Kevin

kathykat_2

adders103 wrote: »

I had my offer letter from SCAM which I sent back last monday, they recieved it on tuesday. So far no money, how long are people having to wait? I phoned them this morning and was told it was 2 - 3 weeks. I also asked if they'd recieved my form back to which I was told that they can't log everyones as they get so many!!!! So how do they know who's replied and who hasn't?????
Lynn

hi there just a quick one i got my letter at the same time as you and still no money have you been paid out yet?

Beate

manickev wrote: »

Hi everyone, I've just joined the forums today, but have been using MSE.com to reclaim my girlfriends bank charges from Lloyds TSB.

We have just got to the MoneyClaim online stage, and have noticed today that Lloyds TSB have acknowledged our claim.

Has anyone recently had experience of dealing with them, as I was wondering if they are still doing this as a token gesture and then not defending - could anyone in the know please give me some pointers??

Kevin

I do think you have been answered above already. Lloyds TSB acknowledge every claim.

adders103

kathykat wrote: »

hi there just a quick one i got my letter at the same time as you and still no money have you been paid out yet?

Hi Kathykat
nothing yet! decided to send them a further copy of my form yesterday, with a note reminding them that court is in less than 2 weeks and I've not cancelled it. dosen't seem to be any pattern to their payouts, seems as though it can be anything from 2 days to 4 weeks!:mad:

kathykat_2

kathykat wrote: »

hi there just a quick one i got my letter at the same time as you and still no money have you been paid out yet?

hi

just to let know that lloyds have paid up after 12 oclock today i am over the moon so let hope you get your today as well:beer: :beer: :beer: