Well, put my Data Protection form in at the bank this morning to get my last 6 years of statements from them. Let's see what happens next..

I challenged the Lloyds TSB bank for £2,450 (which includes interest as they didn't respond within 40 days), I eventually got a letter saying they had put £750 in my account as a gesture of good will! I have written again asking for a further £1,500 or I will take the matter further, (I asked for a response within 7 days), which is up now. Again I have heard nothing, so have no option but to issue court proceedings, which I will have to do in next 10 days.... Don;t know whether its a good idea but I will see what comes of it.

Hi Maureem,

I do admire what you are doing, trying to reclaim unfair charges from Lloyds TSB bank. Hope you fo get the further £1500 back. I think the bank will eventually refund this rather than them having to go to court to try to 'explain' why this might be a fair charge (which probably won't happen.

I am going through a legal agency which charges 25% of any refund secured. Not sure whether this is a good idea, and maybe I should have written to the bank myslef!!

Currently I have written to Lloyds TSB however they have sent me a letter back basically saying that these charges are fair and that if I pursue these charges then they will request that I join another bank, which in turn might affect my credit ratings. I have now gone to the financial ombudsman independent people who are now investigating this matter on my behalf, however they seem very slow. Should I take this matter to the small claims court? To speed things along?

I wrote to Barclays who offered me half of what i was claiming, as a a "goodwill gesture".
I have decided to write back saying i still want the full amount and that i will take them to the county court.
Banks have not contested most of the claims lodged so far against them so in the courst, so it is worth the time and effort.

I wrote a second letter to Barclays after their intial offer. I feared losing some of my account facilities so decide to ask for £160 instead of the full £240 i wanted. I still threatened them with the County Court.

2 days later i got a letter saying they would make a goodwil gesture on this occasion and pay me the £160. Result!

So, stick to your guns folks and don't let them get away with it!

I got a full refund, but not any interest resulting, from the Halifax. However, I had to pay this legal agency 25% of it. But claiming from the Abbey is proving to be a much more long-winded process and they say that Abbey is one of the worst banks in this respect. They put £560 in as a 'good-will' gesture into my acct with them, about one sixth of what I paid in penalty charges, but after a necessary debit there is only £114 left. As my account is no longer with them they should be returning that to me as a cheque - not my money sitting in their account that I can't even use!

You are rocks guys

Hi!

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