consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | Bank Charges Survey Results | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ


CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here.


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 185,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Your Internet search-box

Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

Your Internet searchbox




Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Lloyds Bank > LloydsTSB Successes

LloydsTSB Successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 21st May 2007, 01:06   #181 (permalink)
curlychic
Gold Account Customer
 
curlychic's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: Nurse with an empty purse in Kent
Posts: 624
curlychic Novitiatecurlychic Novitiate
Wink Re: TALLING Vs LLOYDS TSB *****WON*****


Posting 'Application for Costs' off today

Will let everyone know the result

Fingers crossed



XxXxX
curlychic is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th May 2007, 09:32   #182 (permalink)
curlychic
Gold Account Customer
 
curlychic's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: Nurse with an empty purse in Kent
Posts: 624
curlychic Novitiatecurlychic Novitiate
Question Re: TALLING Vs LLOYDS TSB *****WON*****


Still no word from the Court in relation to my
application for wasted costs.

Was thinking along the lines of 'no news could be good news' but now i am thinking they may have just simply closed the case down like they did to another CAG user who's thread i was reading



Any advice on how long i should leave it before
contacting the Court to see if it is being dealt with ?

XxXxX

curlychic is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th May 2007, 09:39   #183 (permalink)
broke dave
Gold Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 554
broke dave Novitiate
Default Re: TALLING Vs LLOYDS TSB *****WON*****

Morning Curly - we were talking about you yesterday!
I would give the court until the end of the week and then give them a ring.
broke dave is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th May 2007, 09:46   #184 (permalink)
curlychic
Gold Account Customer
 
curlychic's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: Nurse with an empty purse in Kent
Posts: 624
curlychic Novitiatecurlychic Novitiate
Wink Re: TALLING Vs LLOYDS TSB *****WON*****

Quote:
Originally Posted by broke dave View Post
Morning Curly - we were talking about you yesterday!
I would give the court until the end of the week and then give them a ring.
OOOOOOOOOO What were you saying ?
Hope it was all nice ... lol



XxXxX
curlychic is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th May 2007, 09:52   #185 (permalink)
broke dave
Gold Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2007
Posts: 554
broke dave Novitiate
Default Re: TALLING Vs LLOYDS TSB *****WON*****

Just saying how much we all missed you!!!
Hope you haven't been drinking too much wine
broke dave is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 30th May 2007, 09:55   #186 (permalink)
curlychic
Gold Account Customer
 
curlychic's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: Nurse with an empty purse in Kent
Posts: 624
curlychic Novitiatecurlychic Novitiate
Wink Re: TALLING Vs LLOYDS TSB *****WON*****

Quote:
Originally Posted by broke dave View Post
Just saying how much we all missed you!!!
Hope you haven't been drinking too much wine
hehehe .... Noooooooo x

I have been busy landscaping my back garden and also working.

Nice to know i have been missed though

XxXxX

curlychic is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th June 2007, 11:24   #187 (permalink)
curlychic
Gold Account Customer
 
curlychic's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: Nurse with an empty purse in Kent
Posts: 624
curlychic Novitiatecurlychic Novitiate
Thumbs down Re: TALLING Vs LLOYDS TSB *****WON*****

Hi Guys n Gals .... help and/or advice required please

As you can see form my thread below my claim was settled before hearing and on 21st May 07 I wrote to the court using the original (Gary updated it yesterday) wasted costs letter template. I also included the required documents.

I rang the Court today, as i havent heard a thing and was told that may informal application for costs had not been dealt with, as the letter i sent 'apparently' contradicted itself in saying


I wish to inform the Court that the claim as detailed above, in which i am the Claimant, has now been settled. The defendant pai the full amount claimed, namely £xxxxx. As such no further actio is necessary in respect of this claim.

However, i believe that the Defendant has behaved unreasonably in their approach to defending this claim, not least because i believe the Defendant had no intention of ever defending this claim at a hearing .... etc etc as per the original template letter.



My letter and relevant other documents, have therefore been simply filed away after they read the first paragraph and not even got as far as the judge, whilst i have been awaiting a responce


(I read on another thread somewhere that this exact same thing has happened before)


The lady then went onto tell me that if i did want to make an application for costs she would send be the appropriate form, and to submit the application there would be a fee of £65.00 involved.
(GaryH states that the fee is £35.00 ????????)

She also said that a hearing would be required, which i was aware would be necessary if the judge decided a formal application was required, although like i said befor, the judge hasnt even seen my request.

The main reason i wanted to apply to the courts for wasted costs, was in 'principle of the matter', but is it really worth all the extra stress of more form filling and a hearing all for aprox £100.00.

I have asked the lady at the court to send me the form, but not really sure what to do.

Advise anyone ????


XxXxX





__________________
If I have been helpful, PLEASE click the scales


You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.


I WON !!!!


HERE WE GO AGAIN .... BRING IT ON

curlychic is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th June 2007, 12:01   #188 (permalink)
GaryH
Site Team
 
GaryH's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 6,538
GaryH has disabled reputation
Default Re: TALLING Vs LLOYDS TSB *****WON*****

Yes, unfortunately we're beginning to discover that most courts won't touch an application for costs without an N244.

The £35 fee is for applications without a hearing, £65 if with a hearing.

You can request without a hearing and try to pay £35, although the judge may decide he needs a hearing so presumably you'd have to pay the extra £30. You would get the fee back if successful though.

If you do decide to apply I would suggest you up the hours you claim for. I put in for around £400 for my mates one - might have overdone it slightly, who knows - although I'll soon find out at the hearing in 2 weeks time! I did spend a hell of a lot of time on the witness statements and the application though so personally I feel I can justify the 40 odd hours I put in for.

Personally I would encourage everyone to apply formally from now on - but obviously the decision is yours!
__________________
Please note that I will not be online during most of April - please do not PM me during this time. Thanks.
Please remember to DONATE! Help CAG keep up the fight!


Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
GaryH is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th June 2007, 12:21   #189 (permalink)
curlychic
Gold Account Customer
 
curlychic's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: Nurse with an empty purse in Kent
Posts: 624
curlychic Novitiatecurlychic Novitiate
Exclamation Re: TALLING Vs LLOYDS TSB *****WON*****


Thanks for the quick response Gary X

It has really annoyed me that the Court didnt even bother to read my letter fully though. I sent an 8 page document to them and all they read was the first paragraph. GRRRRRRRRRRRRRR

I am actually exempt from fees' so that isnt really a problem, even though i have been told i will now have to reapply for exemption.

The main thing that is making me think 'is it worth it' is that it never got as far as me having to put together a Court Bundle etc, only as far as AQ stage, so my costs are only around £100.

If the Judge wants a hearing to take place then surely this is more preparation, more stress and time off work to attend.

I dont know, not sure what to do now, £100 is £100 i guess.

If i do decide to go through with it, can i bank on your support to prepare me for the hearing PLEASE ?



xXxXx

curlychic is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 6th June 2007, 13:22   #190 (permalink)
GaryH
Site Team
 
GaryH's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: May 2006
Posts: 6,538
GaryH has disabled reputation
Default Re: TALLING Vs LLOYDS TSB *****WON*****

Quote:
If i do decide to go through with it, can i bank on your support to prepare me for the hearing PLEASE ?
Yes, of course. I've got my hearing on the 20th June so you'll have the benefit of my experiance from it (i.e cock ups!)

If you haven't submitted a bundle though then obviously it doesn't make your case for costs as compelling as if you had.
__________________
Please note that I will not be online during most of April - please do not PM me during this time. Thanks.
Please remember to DONATE! Help CAG keep up the fight!


Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
GaryH is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 24th April 2008, 22:38   #191 (permalink)
curlychic
Gold Account Customer
 
curlychic's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2006

Please donate something to CAG if we have helped you.

I am in: Nurse with an empty purse in Kent
Posts: 624
curlychic Novitiatecurlychic Novitiate
Default Re: TALLING Vs LLOYDS TSB *****WON*****

Hi Guys 'n' Gals ...... I'm back


What wonderful news today ..... wey hey


So i am back to claim some more charges that i recieved just after my last claim ended. Thankfully none since December 07 though. Although its only £165 quid, thats alot of money to me and its MY money NOT THERES !!!

And so begins another chapter of Talling v Lloyds TSB

BRING IT ON !!!!!!! hahahahaha
curlychic is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply



Thread Tools


Similar Threads
Thread Thread Starter The Consumer Forums Replies Last Post
RichardM v Lloyds c/cards. Lloyds playing silly buggers over S.A.R - (Subject Access Request) RichardM Lloyds Bank 8 26th March 2008 21:40
Claim against lloyds with lloyds loan still active macca1301 Lloyds Bank 15 17th August 2007 11:51
Lloyds V Angi77777 - ****WON!**** Angi77777 LloydsTSB Successes 55 7th July 2007 23:36
zeus v lloyds - won (for all those sick of lloyds dragging their feet) zeusspandex LloydsTSB Successes 43 23rd June 2007 20:40




Do your Internet search here:
UK Web Image



The Consumer Action Group and The Bank Action Group are registered trademarks
Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road, London, NW11 7PE

Search Engine Friendly URLs by vBSEO 3.0.0 RC6 © 2006, Crawlability, Inc.