Wolfcub Vs Lloyds - **IT IS SOOOO WON!!!**

wolfcub · 16th March 2006, 19:35

So pleased I found this site. I have just sent by recorded delivery a letter to Lloyds Customer Care for £2500 of charges.

Lloyds were efficient in my request for all statements over 6 yrs on two seperate accounts - took just 4 working days to reach me. I hope that their paper is taken from sustainable forests - otherwise some de-forestation has occured.

I fully intend to take this all the way. Lloyds took about half the amount over a six month period when my business was in trouble. I ended up in court on a reposession charge for a loan secured on the house that I could not pay - the amount of arrears was under £1000 - less than Lloyds "took" from me.

I agree with another members comments - county courts are not as scary as creditors. Having been on the other side, I frankly would welcome the opportunity to state my case.

richardc · 16th March 2006, 19:40

Well done and welcome.

Keep us posted.

wolfcub · 23rd March 2006, 10:54

Got the standard letter back from Lloyds this morning - same as everyone else. I'll send a letter before action and we'll go from there.

wolfcub · 5th April 2006, 16:49

Received a second letter of refusal from Lloyds today. They are very efficient at getting responses out through. Just 2 days. Since their letter states "This is the bank's final response, I'll file a claim later on for £2500 plus 8% interest.

Found I had a spring in my step this morning - can't wait to get some justice.

MOVED can you please keep to the one thread with this please

wolfcub · 26th April 2006, 16:22

By all accounts, this was a rather effortless process! Sent Lloyds a letter - got a standard GO AWAY and NO letter back. Sent a letter before action, Got a shorter NO letter back. Applied to the courts 5/4/06, and Lloyds didn't even respond (they had 14 days to file an Admission or defence).

Given they had been so efficient in sending the GO AWAY letters and all backdated statements, this was a surprise and a disappointment. I was looking forward to meeting them in court.

I filed a Judgement by Default this morning for £2600 plus costs. Lets hope they pay up or I shall relish sending in the bailiffs.

Hoorah. Take note all you newbies - it's not always that hard to get justice!!!

Dappa44 · 26th April 2006, 17:25

Excellent news m8, Hope mine goes as swimmingly as yours

Dappa

Lusky · 26th April 2006, 17:47

Brillant and well done. Another tale of inspiration!

Just out of interest, which of the lovely LTSB departments have you been corresponding with, was it Birmingham, Brighton or your branch. Also, did you put your branch down as the address for the court?

Sorry to ask so many questions but have sent my own LBA to Lloyds today so am just preparing myself!

wolfcub · 26th April 2006, 21:25

Hi Lusky,

125 Colmore Row, Birmingham B3 3SF - Head Office I think. I have been corrisponding with a Mandy Horton, Assistant Manager. She has the authority to say "NO" loudly so she's senior enough to deal with it whatever branch you bank with.

Tip - send everything registered post (cost £1). They can't argue then at a later date. I didn't speak to anyone at Lloyds - I prefer to have headed notepaper responses for my files. Gave them two shots at paying - pretty fair I think.

Good luck with your claim. It really is quite simple.

Wolfy

wolfcub · 26th April 2006, 21:26

Quote:

Originally Posted by Dappa44

Excellent news m8, Hope mine goes as swimmingly as yours

Dappa

Cheers Dappa - good luck with yours.
Wolfy

Lusky · 26th April 2006, 21:31

Thanks Wolfy,

Am dealing with Colmore Row too! ( With the exception of the Data Protection Act letter which I took to my branch just for the fun of it lol!) My contact is David Just also assistant manager.

Congrats again and thanks for the info.

Enjoy your celebrations

kotum45 · 26th April 2006, 21:38

WELL DONE WOLFCLUB.
They haven't acknowledged mine either and today was their last day. Hopefuly I will be to get a default judgement tomorrow.
congratulations....
good luck everyone..

kotum45 · 26th April 2006, 21:38

sorry i meant to write wolfcub

wolfcub · 26th April 2006, 23:23

Hi Kotum,

I've always wanted to be a wolfclub!!!! Thx for your wishes. Make sure that you put your judgement by default in early (9.00am). If LLoyds do send a reply late it tales precident if you haven't issued your claim. Did you use moneyclaim.gov?

Looking at the responses, dont you think its odd that Lloyds cant respond to some (like ours) and put defenses in early for other cases? Not very together as an organisation.

Fingers crossed 4 2morrow.

I sent a Letter Before Action to Barclaycard today for £600 charges. So hopefully, I'm on a roll. To quote the Complaints Manager

"Mrs (wolfcub) if you must take us to court then so be it"
Bring it on.

Best of luck Kotum.

Wolfy

kotum45 · 26th April 2006, 23:42

I bet the guy at barclays didn't believe that you were serious. Please e-mail him with the claim reference number after you file for it

I sued moneyclaim and getting a judgement will be the first thing I do in the wee hours of the morning.
I think they are bombarded with claims at the moment so they are starting to miss deadlines. Maybe they should start employing more people with the money they make from unlawful charges.

kotum45 · 26th April 2006, 23:44

Note: I didn't sue moneyclaim.... I used moneyclaim...
I should read what i write before posting...

wolfcub · 26th April 2006, 23:54

Hi Kotum,

Humm - charges are documented as a £3.2Bn revenue stream for banks in general. Even if Lloyds accounts for 10% of that - its a huge sum - enough to employ thousands to run around after our claims and at least respond to them!!

The man at Barclaycard took a gulp when I said I had sucessfully sued Lloyds. Strangely, said NOT to address the letter before action to him! Tee Hee. Copied him on it for the fun!

Wolfy

kotum45 · 27th April 2006, 11:13

Wolcub hi,
are there any further developments in your case. they didn't put in a last minute defence or anything have they?

wolfcub · 27th April 2006, 14:11

No. They had til 3.45pm on Tuesday. Nothing recorded at all as of midday today.

kotum45 · 27th April 2006, 14:24

Great, so the court has issued the default judgement?

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