illegal bank charges?

Question

please help a friend has asked me to get any letters or forms she needs to fill in of the net for LLoyds TSB bank going back 6 years
I have no idea what relevant forms etc she will need
Any help will be gratefully excepted as my friend really could do with this money if it is owed to her as she has just moved house and money is a little tight at the moment.

Answer 1

My site below has everthing your friend will need to successfully claim back 100% of her bank charges!

There are detailed guides to each step of the process, along with template letters and spreadsheets she can put her own details into and send to the bank. There are also forums for one to one advice, a detailed guide to filing a claim in court online and all the latest bank charge news. All the information she needs to claim back her bank charges are on the site.

The site is free to use

The process to claim her charges back is:

1) Write to the bank and ask them for a copy of her charges for the last 6 years, or alternatively a set of statements for the same period. She do this by making a "Subject Access Request" under the Data Protection Act, enclosing a cheque for £10 made out to the bank. This by passes the banks normal charges for statements which is normal a large amount for 6 years worth. The bank have 40 days to send you the data.

2) Write to the bank asking them to refund her charges, giving them 14 days to reply, attaching a "Schedule of Charges" (a list of the charges you are claiming for).

3) Send the bank a "Letter before Action" giving the bank one last chance to refund your charges before she takes court action. They have 14 days to reply.

4) File a claim online using the Money Claim Online web site run by the UK Court Service. The claim is served on the bank 5 days after its submitted. The bank has 14 days to acknowledge the claim. If they don't she can request a "Judgement by Default" and she will win the case, and get her charges, statutory interest at 8%, and her court fees.

If they do acknowledge the claim, they then have 14 days to submit a defence (making 28 days in total from the date the claim was served). If they don't then she can again request a "Judgement by Default", and get back her charges, interest and court fees as above.

If they file a defence, then her and the bank get an "Allocation Questionnaire" to fill in. Some judges dismiss the case at this stage, as the bank can't win, so again she wins. If this doesn't happen, a hearing date is allocated. The bank will either back out before the hearing, or won't turn up in court. Again she wins the case and gets her charges, interest and fees.

Follow the correct procedures and she will get her charges back! Its important to send all letters to the bank and courts by recorded delivery, so she can prove they were received, and more importantly when they were received (which she can find from the tracking section of the Royal Mail web site).

Also make sure that she sends all letters to the banks head office, and not her local branch. Don't phone the bank either, as this can delay things and she has no proof of whats been said.

All this information is explained in detail, with more useful information at my site below.

Answer 2

Go to the Martin Lewis website he tells you all you need to know about getting your money back, its easy.

Answer 3

tell her to go to moneysavingexpert.com i went on there and they give you the pre printed form to print out and send to lloyds TSB and all other banks, i did it its very easy, good luck x

Answer 4

Go to www.bank-smart.co.uk and they will send you forms to send back to them, they will then do all the leg work for you...

Answer 5

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,