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WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!!!

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  • #91
    Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

    Somerset County Gazette today - http://www.somersetcountygazette.co....t_with_Lloyds/
    Taunton man's David v Goliath victory in bank charges fight with Lloyds

    '' “As a result, my pay dropped and I went 2.67 over my overdraft.

    “Lloyds just started charging me 20 a day. The charges reached 330 in two months and 743 overall.

    “It just snowballed and caused me to miss other bills and credit cards repayments.

    “I spoke to Lloyds every day, but they just refused to stop the charges. I felt entrapped because they kept charging me even though I was in difficulty.” ''
    We may not win by protesting, but if we dont protest we will lose. If we stand up to them, there is always a chance we will win. Hetty Bower

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

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    • #92
      Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

      I wonder whether it would be possible to reclaim unarranged overdraft charges on a business account. :confused2: Despite no O/D facility, Barclays applied charges causing the account to go overdrawn by several hundred pounds. :mad2:

      It's still live and not overdrawn at the moment, the charges were applied between 2009 and 2011. It's a limited company account so it may be different. :noidea:

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      • #93
        Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

        I'm not sure of the application UTCCR would have to the circumstances. On one hand the definition of consumer is quite broad I think but I'm not sure if a business account is a 'consumer contract' for the purpose of the regs. I'll have a dig.

        I like your pin shot
        I keep it with your letter
        Done up in blueprint blue
        It sure looks good on you
        And when you smile for the camera
        I know I'll love you better

        Then the shutter falls
        You see it all in 3-D
        It's your favorite foreign movie

        'Peg'

        Donald Jay Fagen

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        • #94
          Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

          Originally posted by EXC View Post
          I'm not sure of the application UTCCR would have to the circumstances. On one hand the definition of consumer is quite broad I think but I'm not sure if a business account is a 'consumer contract' for the purpose of the regs. I'll have a dig.
          As I recall from way back business accounts fall out of the UTCCR, but I can't recall if anyone looked in great detail at the legislation to check this.

          I am still working on a claim for charges on a business account from ages ago, but using the 'consequential loss' route.

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          • #95
            Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

            Originally posted by EXC View Post
            I'm not sure of the application UTCCR would have to the circumstances. On one hand the definition of consumer is quite broad I think but I'm not sure if a business account is a 'consumer contract' for the purpose of the regs. I'll have a dig.
            Thanks, EXC. :yo:

            Originally posted by Kafka View Post
            As I recall from way back business accounts fall out of the UTCCR, but I can't recall if anyone looked in great detail at the legislation to check this.

            I am still working on a claim for charges on a business account from ages ago, but using the 'consequential loss' route.
            Would you care to elaborate?

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            • #96
              Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

              Business accounts ( Polly's on Fire Ltd ) are out under utccr (the clue is in the name ) although sole trader accounts (eg Flaming Parrot t/as Polly's on Fire) would have an argument. Lots of discussion and threads http://www.legalbeagles.info/forums/forumdisplay.php?98
              We may not win by protesting, but if we dont protest we will lose. If we stand up to them, there is always a chance we will win. Hetty Bower

              Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

              Find Solicitors offering fixed fees on our sister site - JustBeagle.com

              Comment


              • #97
                Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

                This thread particularly http://www.legalbeagles.info/forums/...Barclays/page3
                We may not win by protesting, but if we dont protest we will lose. If we stand up to them, there is always a chance we will win. Hetty Bower

                Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

                Find Solicitors offering fixed fees on our sister site - JustBeagle.com

                Comment


                • #98
                  Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

                  Originally posted by Amethyst View Post

                  Martin was cut off in his prime :noidea:

                  M1
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                  Please note i am now pretty much without access/time to help 5 days a week. Others will hopefully help you.


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                  • #99
                    Re: WON !!!! - Orfoster v Lloyds Bank Charges in Hardship case - court 28/1 - WON !!!

                    Originally posted by Amethyst View Post
                    Business accounts ( Polly's on Fire Ltd ) are out under utccr (the clue is in the name ) although sole trader accounts (eg Flaming Parrot t/as Polly's on Fire) would have an argument. Lots of discussion and threads http://www.legalbeagles.info/forums/forumdisplay.php?98
                    Thanks, Ame :yo:

                    Sadly I'm not a sole trader, it's a limited company account.

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