Laura V Llloyds - interim payment Offered and part paid

[scoobydoo]

Re: Laura V Llloyds - interim payment Offered and part paid

Well done

great news!

scooby

[Celestine]

Re: Laura V Llloyds - interim payment Offered and part paid

WOW! Fantastic news Laura....Well done for your perseverance xxx

:tinysmile_grin_t:

[Amethyst]

Re: Laura V Llloyds - interim payment Offered and part paid

Just been having a think about your reply to their letter, am working on this and want someone elses opinion before you do anything. Also you need to check that the amounts they have said they are repaying have actually been repaid.


Dear xxxxxxxxxxxxxx

Thank you for your letter dated xx September 2008 and your agreement to repay the charges taken from my account from June 2007 to today, and to cancel the charges pending on the account.

Whilst I thank you for your consideration and understand that you are meeting the terms of the FSA waiver guidelines on dealing with case of financial difficulty, you will appreciate that although I accept your interim payment, I do not consider that your gesture of goodwill has been made in final resolution of my complaint and I expect Lloyds to continue to abide by the guidlelines of the FSA waiver,particularly those guidelines which apply to attempts to resolve a bank charges complaint after 27th July 2008.

I intend therefore to continue with my complaint for a refund of all charges imposed on my account and appreciate that the remainder of my claim will remain on hold until the outcome of the test case. I will forward a schedule of the charges taken from my account in due course, and will of course remove those which you have agreed to repay.


Yours sincerely

xxxxxxxxxxxxxxx

[ed.]

Re: Laura V Llloyds - interim payment Offered and part paid

Not read the whole thread so I may be out of order Ame.

Could it be better to accept the interim relief, BUT then quote the waiver in terms of waiving future charges???? Rather than going bull to horns on I'll still continue my complaint regardless?

It goes without saying any intertim payment cannot be considered full and final, so could more be gleaned by freezing any future charges even if the bank only agree to do it for 6 months???

[enaid]

Re: Laura V Llloyds - interim payment Offered and part paid

Well done Laura, I am very pleased for you Enaid xx

[Laura]

Re: Laura V Llloyds - interim payment Offered and part paid

I know whats been paid in £515 and the overdraft that had built up from £700 to what it was at the end of all this as been wiped off, so won`t be claiming charges at court from 2002 as hese already claimed in the past these are charges that have built up within the last year

[Amethyst]

Re: Laura V Llloyds - interim payment Offered and part paid

Ed. Yep you are prolly right actually ask them to freeze future charges.

Laura - I don't have your list of charges honey so its hard to tell. Was your previous claim UP TO June 2007 ? and how much were your charges from June to now - does that equate. Don't forget you will also be due some compensatory interest after the test case. It is up to you of course if you want to keep your complaint in the queue for after the test case.


does the total paid in add up to the amount they have stated in the letter ?

[WendyB]

Re: Laura V Llloyds - interim payment Offered and part paid

Well done Laura. A great result. When you are adding up, don't forget that the 423 they were going to add on had been cancelled, so it won't actully go in to the account as it was never taken out, if you see what I mean...

So you are saying that the overdraft is now wiped out, and account is £515 in credit, and there's no more charges on the horizon? If this is the case then it looks like you've had it all back, apart from compensatory interest...