Lloyds TSB

Smasher

If you want to do it quickly, do it yourself! The going rate is 0% and you will always know where you are.
Seriously, it is the safest, most efficient way to do it. It is really not rocket science. Even I managed to do it..

general75

i don't know where i'm up to, i sent 3rd letter and recieved letter saying on hold way back in june. what do i do now then, do i start again.

Smasher

3rd Letter?

In that case, its time to start the court claim! In fact you should have done that back in June, you might have had it settled by now.
Its pretty much a given that your claim will be stayed (put on hold) until the end of the test case, but it will be accepted and it will be settled once the case is over. A claim company will not be able to achieve better than that, it goes for everyone.

general75

is there much point with the court date with OFT so soon.

Smasher

Yes absolutely!

The sooner you do it, the sooner it will get settled after the case and the more interest you will get.

mum2one

general75 wrote: »

is there much point with the court date with OFT so soon.

I had my chares back b4 the saga of the test case,

but this is the way that I look at it:

say for example you have 200 people started the process for bank charges and have their case in the queue or the case has been put on hold.

Then along comes the test case,and yes the consumer wins, banks are only allowed to chage £5.00 per incident.

Way hey we all shout the little man has won - next step, Im sure i got charged back in 2005, I know I'll start a claim x 1000 people

Now we have the original 200 + new 1,000 people - whos going to getin 1st the people who started their action b4.

I personally would like to be nos 1 - 200,not no 1199!

Ok Im making a joke of it - but its to get the idea in perspective, and why pay a management company 30 - 40% there do exactly the same as what your doing. x

general75

mum2one wrote: »

I had my chares back b4 the saga of the test case,

but this is the way that I look at it:

say for example you have 200 people started the process for bank charges and have their case in the queue or the case has been put on hold.

Then along comes the test case,and yes the consumer wins, banks are only allowed to chage £5.00 per incident.

Way hey we all shout the little man has won - next step, Im sure i got charged back in 2005, I know I'll start a claim x 1000 people

Now we have the original 200 + new 1,000 people - whos going to getin 1st the people who started their action b4.

I personally would like to be nos 1 - 200,not no 1199!

Ok Im making a joke of it - but its to get the idea in perspective, and why pay a management company 30 - 40% there do exactly the same as what your doing. x

well put.
to be honest i'm a bit scared about the taking them to court bit, what if i lose and how much will it cost me.

many thanks to you both.

mum2one

to go to court it depends on the amount you are claiming, when I did mine it was £60 I was claiming £600.00, I had a full out of court settlement, inc costs, charges and interest.

Its unlikely you would have to go to court, but possible, at any time before the court hearing, youcasn pull out. x

Jindebt

i've had a letter today. claiming lloydes will be taking another £129 in charges on the 3rd january. what a great new year thats gunna be

taytanya

i had a bank charge from halifax the other day of £39 , so i went into the branch and asked for it to be refunded and to my surprise they did so .. maybe that might be worth a go ... if your unsure of making a claim just yet ?