Bank Charges Test Case Article discussion

Widelats

sazza20 wrote: »

I am still trying to reclaim back the £957 I was charged from TSB in less that 2 years. I have been trying to claim this back since early 2007.

Im now trying to claim back through a company "My claims expert" and they say it could take a while as TSB really dont want to pay back any money. Apparently other banks are actually paying out partial payments back, but just not TSB.

Has anyone successfully managed to reclaim anything from TSB?

I think i remember a guy on here saying Lloyds gave him a £750 good will gesture while "the test case continues" personally i have not had anything exept standard verbal diorreah letters from Lloyds what do not make sense to what i have asked them, just like a politician would when asked a standard yes or no question.

laalaa41

There's a time limit - if they dont respond properly, to your satisfaction, within that time - just cut to the chase and go to the FSO. I think if you follow the rules on this website - send the registered letter stating the legal time limit - they can't dilly dally. The FSO are then supposed to bring them into line to get your money back.

L

natweststaffmember

laalaa41 wrote: »

There's a time limit - if they dont respond properly, to your satisfaction, within that time - just cut to the chase and go to the FSO. I think if you follow the rules on this website - send the registered letter stating the legal time limit - they can't dilly dally. The FSO are then supposed to bring them into line to get your money back.

L

But not if you aren't in financial hardship and that means priority debt arrears.

laalaa41

natweststaffmember wrote: »

But not if you aren't in financial hardship and that means priority debt arrears.

No, you can submit your claim now. If you're in financial hardship they will fastrack it, if you're not, you wait in line. But it will still be handled in the end!

Widelats

laalaa41 wrote: »

No, you can submit your claim now. If you're in financial hardship they will fastrack it, if you're not, you wait in line. But it will still be handled in the end!

You are totally wrong, Lloyds don't fasttrack any hardship claims they are the only bank not doing this.

natweststaffmember

laalaa41 wrote: »

No, you can submit your claim now. If you're in financial hardship they will fastrack it, if you're not, you wait in line. But it will still be handled in the end!

Let's not !!!!!foot around, my quote related to taking a claim to the FOS so let's not misquote or misread what was written. Claim now YES, go to the FOS, YES if in financial hardship and priority debt arrears and bank have not responded at all but NO if not in financial hardship and no priority debt arrears. I'm happy you quote me but remember the quote which was there to begin with

PhiltheBear

My friendly neighbourhood debt advisor tells me that every bank plays ball - with the exception of Lloyds TSB, which is a pain in the butt. In my case, when I asked for a copy of the agreement they eventually responded and sent with it a letter which tells about how it's compliant with the legislation and that the act is mentioned on the agreement. Except it isn't. Anywhere.

Their attitude seems to be that they'll go from debt collector to debt collector trying to wear down the debtor. I simply write to the latest debt collector and tell them I'm adding their name to the complaint I'm making to the Ombudsman about Lloyds use of overlapping debt collectors. Then they go away.

Perhaps it's because they screwed up buying Halifax that they need every penny they can get :rolleyes:

Widelats

PhiltheBear wrote: »

My friendly neighbourhood debt advisor tells me that every bank plays ball - with the exception of Lloyds TSB, which is a pain in the butt. In my case, when I asked for a copy of the agreement they eventually responded and sent with it a letter which tells about how it's compliant with the legislation and that the act is mentioned on the agreement. Except it isn't. Anywhere.

Their attitude seems to be that they'll go from debt collector to debt collector trying to wear down the debtor. I simply write to the latest debt collector and tell them I'm adding their name to the complaint I'm making to the Ombudsman about Lloyds use of overlapping debt collectors. Then they go away.

Perhaps it's because they screwed up buying Halifax that they need every penny they can get :rolleyes:

Another thing is they are mostly govornment owned, possibly they think they can get away with a lot more then.

essexlady_2

Total claimed: £3032 plus interest £1086

Been offered 2,763.00:T

Having read the forums of people that have had their hardship claims settled it would seem that most banks are offering 100%of the claims and in some case interest as well. Has anyone refused an offer from Natwest and had the offer increased. As i am in hardship, they obviously know that i need the money, but i don't want to feel as if im selling out when another letter could increase this offer. I sit here thinking of all the times they took my social money as I was left with nothing for food (which im now informed they should not have done, even when I called them to explain).

The offer is either accept or decline and wait until the legal proceeding have finished... could be ages

Anyone with any advise xx confused Blond in Essex :rotfl:

natweststaffmember

essexlady wrote: »

Total claimed: £3032 plus interest £1086

Been offered 2,763.00:T

Having read the forums of people that have had their hardship claims settled it would seem that most banks are offering 100%of the claims and in some case interest as well. Has anyone refused an offer from Natwest and had the offer increased. As i am in hardship, they obviously know that i need the money, but i don't want to feel as if im selling out when another letter could increase this offer. I sit here thinking of all the times they took my social money as I was left with nothing for food (which im now informed they should not have done, even when I called them to explain).

The offer is either accept or decline and wait until the legal proceeding have finished... could be ages

Anyone with any advise xx confused Blond in Essex :rotfl:

You still have the right to claim the rest when the OFT test case is over. You need to weigh up amount of the arrears against the amount offered and accept an interim payment and possibly ask for more based on the arrears you have. Does that make sense?(apologies but you did say Essex blond ).