The issues raised by Llloyds bank defences and claiming beyond 6 yrs

[Pen]

So, how far back could this go, does it stop at 10ys, or the life of the account. Lloyds will be skint Glad i'm not a share holder, i think I get more of a return on reclaiming my chargers

Pen

Hi Pen, just got some interesting news - Please Post How Far Back You Have Managed To Obtain Statements WhatMoney? has managed to get statements from Lloyds back to 1997 when the account was opened!!!

[Pen]

hi Bong, that is very interesting, in total contradiction to the letter they sent me, I wonder if I could use that information in court and maybe send her a pm asking her if she would supply me with a letter or something to back up my claim if need be. It's really a good form of reference that thread you started. How did Lloyd's fair in it, did many of their customers receive statements going back more then 6 yrs do you know? or is the information just that what is on the thread

anyway that is a great help, thanks for that Bong

Pen

[cyprusgirl]

hi i am new to this site today after reading up on the martin lewis web site, i am currently reclaiming my bank charges with lloyds tsb £4100 in total i rang them yesterday and was offered around £900 but the man on the phone said that considering i have already started legal proceedings and the amount they could offer over the phone was much less than i am claiming advised me to carry on with the claim i have just filed a case with the small claims court they should reciece the papers by tomorrow i am feeling a little nervous now at this stage regarding the court process i have read that the next stage will be for the bank to put in a defence but then i am totally lost with it all any advice or comments would be great thankyou

[photoman]

Originally Posted by cyprusgirl

hi i am new to this site today after reading up on the martin lewis web site, i am currently reclaiming my bank charges with lloyds tsb £4100 in total i rang them yesterday and was offered around £900 but the man on the phone said that considering i have already started legal proceedings and the amount they could offer over the phone was much less than i am claiming advised me to carry on with the claim i have just filed a case with the small claims court they should reciece the papers by tomorrow i am feeling a little nervous now at this stage regarding the court process i have read that the next stage will be for the bank to put in a defence but then i am totally lost with it all any advice or comments would be great thankyou

Hi cyprusgirl
The next thing you'll probably receive will be an Allocation Questionairre.
Go to this link here and have a read up on them.
This link is also very useful for finding all others kinds of information so put it into your internet favourites.
http://www.consumeractiongroup.co.uk...hat-youre.html

Have a read of some of the other sucesses on the site, and see how they responded to any defence the Bank sent in response to the Claim.
Some good ones are,
Mindzai & Lucid vs Lloyds TSB ***WON UNCONDITIONALLY WITH CONTRACTUAL INTEREST***

http://www.consumeractiongroup.co.uk...-interest.html

Good luck

[cyprusgirl]

hi everyone i have just joined the consumer group today after reading on the martin lewis web site i am currently in the process of reclaiming over £4000 from lloyds tsb just started the small claims court papers should be issued tomorrow i have read that the next stage would be for them to put in a defence does anybody know what happens after this as now starting to feel a little nervous, i only started the claims on line after 2 letters back stating no money basically i have 2 sets of statements waiting for the courts and solicitors as i have read these may be needed but apart from that i am totally lost and comments or help regarding the next staep would be great many thanks

[sickandtired]

Hi, just joined. Any advice on how to get started?

[BARTY]

Originally Posted by sickandtired

Hi, just joined. Any advice on how to get started?

Hi & Welcome!
Firstly start up your own thread, call it "sickandtired v LTSB" or something. Then have a read of these links:
http://www.consumeractiongroup.co.uk...tructions.html

http://www.consumeractiongroup.co.uk...se-read-these/


Then if you have any questions ask them in your own thread.
Good luck!
Barty

[BARTY]

Originally Posted by cyprusgirl

hi everyone i have just joined the consumer group today after reading on the martin lewis web site i am currently in the process of reclaiming over £4000 from lloyds tsb just started the small claims court papers should be issued tomorrow i have read that the next stage would be for them to put in a defence does anybody know what happens after this as now starting to feel a little nervous, i only started the claims on line after 2 letters back stating no money basically i have 2 sets of statements waiting for the courts and solicitors as i have read these may be needed but apart from that i am totally lost and comments or help regarding the next staep would be great many thanks

Hi & Welcome!
OK you need to start up your own thread, and ask any questions in there.
You should receive a copy of their defence and you may get an Allocation Questionnaire to fill in, come back and tell us if you get one.
Keep reading round as much as you can and have a read of these links:
http://www.consumeractiongroup.co.uk...tructions.html

http://www.consumeractiongroup.co.uk...se-read-these/

Good luck!
Barty

[stevie3900]

have recived letter back from llyods saying im not entiteled to my charges back could somebody give me some help

[zooK]

Hi
I've sent my first letter requesting 6 yrs worth of statements and havnt received a reply within 40 days, (the letter was recorded delivery and included a £10 postal order - which I think could have been a mistake, as I imagine they may simply say they havnt received the letter).

I'm just wondering what to do next, if I want to claim for >6yrs should I hold out for a court ruling?

Any help much appreciated

[cyprusgirl]

hi i have read a couple of replies and have been advised to start my owm thread and then i can ask questions etc... but i dont know how to do this can any one help me !! thankyou sorry for being stupid but new to all this

[cyprusgirl]

Originally Posted by zooK

Hi
I've sent my first letter requesting 6 yrs worth of statements and havnt received a reply within 40 days, (the letter was recorded delivery and included a £10 postal order - which I think could have been a mistake, as I imagine they may simply say they havnt received the letter).

I'm just wondering what to do next, if I want to claim for >6yrs should I hold out for a court ruling?

Any help much appreciated

hi i am new to this too but firstly i went into my bank in person with the first letter to save time i also got as much info from online banking also as this let me go back to july 02 when you request statements ask for the listing of bankcahrges not statements as they can charge you for each statement but for the listings of charges is £10 one off payment which they have to provide you with under the data protection act within 40 days, then work out how much money you are owed then send your first letter requesting the money back you can either do your own or use one of the templates either on this site or the martin lewis web site i used my own ... hope this helps you slighty but there are lots of people on here willing to help good luck

[zooK]

Originally Posted by cyprusgirl

hi i am new to this too but firstly i went into my bank in person with the first letter to save time i also got as much info from online banking also as this let me go back to july 02 when you request statements ask for the listing of bankcahrges not statements as they can charge you for each statement but for the listings of charges is £10 one off payment which they have to provide you with under the data protection act within 40 days, then work out how much money you are owed then send your first letter requesting the money back you can either do your own or use one of the templates either on this site or the martin lewis web site i used my own ... hope this helps you slighty but there are lots of people on here willing to help good luck

Thanks for the help!

[photoman]

Originally Posted by cyprusgirl

hi i have read a couple of replies and have been advised to start my owm thread and then i can ask questions etc... but i dont know how to do this can any one help me !! thankyou sorry for being stupid but new to all this

Cyprusgirl
Go to here:
http://www.consumeractiongroup.co.uk/forum/

Find the name of the Bank you are acting against.
Click on it (the name of the Bank in Bold Blue)
You will then on that page find a label saying "Forum Tools" (just under the list of page numbers).
Click on it, and it will show you some options.
Firstly, it's a good idea to subscribe to the Forum ,as then you'll recieve updates about people in similar situatioins against the same Bank. So click on Subscribe. It will ask how often you want updates (Personally I like Daily).
Once Subscibed to the Forum it will redirect you back.
Hit the same button and choose "Start new thread"
Give your Thread a title eg: cyprusgirl v whatever bank
(choose how often you want updates of anyone posting responses in your thread)

Then your up and running !

Whilst your there, you might want to take some time to have a look at some of the threads by people taking action against your same Bank, very helpful. Remember any threads you want to follow, you can either choose the thread tools button and choose subscribe to thread, or whenever you make a post in that thread it will automatically subscribe you to that thread.
On the main page I've posted for you above, you'll also find lots of highlighted "stickies", which have lots of very informative stuff in them too.

[RopeyDonkey]

BankFodder your post regarding Lloyds' standard defense makes interesting reading, but if it comes to court (or at least in the build up to court proceedings) is it likely that we will need to argue that point? Or is it simply the case that eventually some poor person will be picked on and they will have to go head to head properly? I am happy to ignore the standard responses but at some point i assume I may have to 'prove' that these charges are penalties, so does anyone know of a formally constructed legal argument ready for this scenario? Or are these implications from OFT etc enough? Sorry to be a little vague but its late and i never went to many Law lectures

[GaryH]

Its highly unlikely that you'll have to argue this in court - Lloyds have had well over 300 claims brought against them in the last year - and guess what? they've paid out every one (eventually!). Having said that, they are holding out later and later, probably in the hope that claimants will trip up in the final stages - this is why you need to be fully prepared.

As for legal arguement, see the witness statement in this thread - GOT A COURT DATE? Important, please read......
You should still endevour to understand the issues for yourself though.

[julesh]

Hiya everyone . Am new to this forum and have just drafted our letter to LTSB. We only joined them in in January 2002 so we are under the 6 year rule and as I an organised freak, I happen to have all our statements with the exception of a few here and there. Can anybody answer if people who have claimed charges back against LTSB have been threatened with account closure and do all claims against LTSB have to go to court? Or has anyone got their fees returned without going to court as with other banks?

[BARTY]

Originally Posted by julesh

Hiya everyone . Am new to this forum and have just drafted our letter to LTSB. We only joined them in in January 2002 so we are under the 6 year rule and as I an organised freak, I happen to have all our statements with the exception of a few here and there. Can anybody answer if people who have claimed charges back against LTSB have been threatened with account closure and do all claims against LTSB have to go to court? Or has anyone got their fees returned without going to court as with other banks?

Hi & Welcome!
Lloyds don't usually close accounts, but have a parachute account ready just in case. They very rarely pay up before a Court claim has been filed. They tend to drag things out as long as possible.
Start up a new thread of your own and if you have any further questions you can ask them on there.
Good luck!
Barty

[Pen]

Hi, but the do as a rule offer a GWGP hoping you will except and go away. no one does though.

Pen