Lloyds TSB

andy31uk

I have posted this before but no one want to talk to me

I sent a claim to Lloyds for approx £700 and they wrote back to me saying that " the charges were for arranging higher tempory overdrafts and not default charges" ?!! I never asked them to arrange. They did not return any items unpaid, but charged me everyday the amount increased.

Anyone tell me what this means regards my claim??<!-- / message -->

johnnynonails

LisaB34 wrote: »

Hi,

Three months ago, I sent a letter asking for a total of £4,685 in charges (including interest) from Lloyds TSB. About 2 weeks ago I got a letter from them saying sorry for the delay but to bear with them and hopefully we could reach an amicable agreement. Great!, I thought, they are gonna make me an offer! On friday, I got a letter saying they will give me £750, which doesn't even touch they amount I am claiming for, and that it would be paid into my account within 10 days. I went to the bank yesterday, and discovered they have already credited my account with £750 before I had time to even sort out my next letter saying I am not happy with their offer! I don't want to complain coz £750 is better than nothing but I was hoping for so much more ! Now I don't know what to do, should I just say 'Oh well, I have £750 so thats that!' or pursue it, and now the bank have paid it into my account and it will no doubt be swallowed up my my daily bills etc, I am not sure what would happen if I did pursue it, like would they ask for it back?

Can anyone help? I think they have been very naughty and crafty here!

hi u need to do mcol or go to fo, cos thats all tsb are paying out , i asked for £5,300 and got a good will jesture of £750 just havent done the mcol on line yet as i need a question answered good luck jill

roakes

GeordieBloke wrote: »

Hi Karen,
Don't waste your time trying to ring them as they never seem to answer the phone! You have no option whether you accept it really, as they pay it into your account without waiting for your reply!

The way I did it was to write to them stating that I would accept the offer as a partial payment without prejudice, but would be seeking the outstanding balance through the courts.
Hope this helps!

Same thing happened to me today but before I realised the money was in my account already I sent a letter saying I didn't accept it and would be proceeding through the courts (the process has already started and I paid £80 to do so), will this be OK or should I send a second letter tomorrow saying I will accept it as partial payment?

Crazy_Hamster

hi, I was wondering if someone could help me. I'm sorry if this has been posted before but I haven't had much time to devote to my fight with Lloyds lately.

I have sent 3 letters, dating back to April. I've had the typical get lost letter and my reply to that was for them to send me a break down of their charges so I could understand etc and that I would settle for a lower amount. This letter was sent by myself on the 22nd of May and since then I've been to busy to follow it up.

Yesterday I was getting things together to complain to the ombudsman but today I get another letter from Lloyds claiming that they are looking into my complain, they are very sorry for the delay and hope to have it delt with soon.

Is this another get lost letter and should I give it another 14 days? I'm not in a hurry for this money as I never thought I'd see it again.

lindilou39

Crazy_Hamster wrote: »

hi, I was wondering if someone could help me. I'm sorry if this has been posted before but I haven't had much time to devote to my fight with Lloyds lately.

I have sent 3 letters, dating back to April. I've had the typical get lost letter and my reply to that was for them to send me a break down of their charges so I could understand etc and that I would settle for a lower amount. This letter was sent by myself on the 22nd of May and since then I've been to busy to follow it up.

Yesterday I was getting things together to complain to the ombudsman but today I get another letter from Lloyds claiming that they are looking into my complain, they are very sorry for the delay and hope to have it delt with soon.

Is this another get lost letter and should I give it another 14 days? I'm not in a hurry for this money as I never thought I'd see it again.

We have all had that letter, give them extra time if you wish its entirely up to you, but you will find that after yet another 4 weeks they will offer you the maximum of £750 depending on size of your claim, dont expect a reply in 14 days its not going to happen, I actually responded to that letter with ' It is in my oppinion that reasonable time has been given in this matter and unless I receive a satisfactory response within 14 days of the date of this letter then I will either instigate legal proceedings or contact the FO.' and this was even after I sent the LBA..

Lin

dreamin

Write to them accepting the £750 as a partial payment and tell them you are still claiming the balance outstanding. If you have used the templates from this site to get this far then you must be at the stage were you now take court action. I used MCOL.

johnnynonails

johnnynonails wrote: »

Right Guys Need Ur Help Here Plzzzzzzzzzz Asked A Few Times But Dont Seem To Be Getting A Reply Sorry About Caps , Just Thought Sum 1 Might See It Lol And Answer Me Ok Here We Go , Going To Do Mcol Now Ive Added My Charges Up And Put The Interest On It Comes To £5,300 ,so Now Ive Had A Good Will Of £750 Do I Just Deduct This Of Me £5,300 Will That Not Affect The Interest Im Claiming To , Thanks In Advance To Any 1 Who Answers Sorry To Be A Pain But I Just Dont Want To Get It Wrong Cheers Jill

come on guys need ur help asap plzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz pretty plzzzzzzzzzzzzzz will that do lol thanks jill

yo_annie2007

i put in claim for my bank charges with lloyds tsb for 1880. i got a letter back saying that they do not believe the charges to be unfair. so i send them martins letter to say i would take them to court that was 8 days ago and i have not heared anything . do you think they will pay or will i have to go to court and if i do i am worried i will lose????????????????????????//:eek:

lindilou39

johnnynonails wrote: »

come on guys need ur help asap plzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz pretty plzzzzzzzzzzzzzz will that do lol thanks jill

no you dont...just submit your charges...the £750 will be taken into consideration if and when it goes to court....I asked this question tonight funny enough from my solicitor friend...you do not subtract the £750 from your claim, the £750 comes off at judgement...therefore your interest will be correct to claim.

Lin

GeordieBloke

yo_annie2007 wrote: »

i put in claim for my bank charges with lloyds tsb for 1880. i got a letter back saying that they do not believe the charges to be unfair. so i send them martins letter to say i would take them to court that was 8 days ago and i have not heared anything . do you think they will pay or will i have to go to court and if i do i am worried i will lose????????????????????????//:eek:

Don't worry - keep at them! The letter saying they think the charges are fair is a standard fob-off. Give them until the fourteen days are up to respond to your court threat, then register with MCOL. I seem to remember I didn't hear anything until after I'd started proceedings with MCOL.

Don't worry about losing... These things can drag on, but the chances are that the solicitors acting on behalf of LTSB will settle before you have to go to court. At least that's what they've done with me (and several others on here).