Steve1145 v Lloyds TSB - ***WON***

steve1145 · 23rd May 2006, 22:02

Sent Data Protection Act request on 9th May and received statements on 19th May. Never known Lloyds to be so prompt! Anyway, filing claim for £1660 plus the £90 they are about to take in June! Total £1750.

Fingers crossed eh!

But not sure who to send the next stage to, same as last one?

steve1145 · 24th May 2006, 12:27

Sent the Letter before action today ................. 14 days and counting then!!

Even if I were to get nothing (which I sincerely hope isn't the case) the satisfaction of sending these letters and having them running around and flapping is wonderful.

steve1145 · 31st May 2006, 14:46

Had a reply on Saturday stating that I agreed to the terms and they aren't going to pay ......blah .....blah. Pretty standard stuff and following your outline.

Next step now.

steve1145 · 2nd June 2006, 11:12

Just filed the moneyclaim form for £1750 and £281 interest plus a court cost of £120 which when succesful will be refunded.

Can I suggest that people be made aware that the court costs can be this high as previously I have only noticed a fee of £30 mentioned.

Also, the wording in the 'Guidance for completing moneyclaim form' is quite lengthy especially when you add the courts interest statement as it instructs you to do. You can trim it down easily but to get under the required amount of characters but the difficult bit is to make it fit the 24 lines.

I had to remove the bit about repeatedly requesting they explain their charges as I had to remove a whole line from text. Hope this has no adverse affect on the claim.

Anyway, without your help none of this would be possible so dont want to seem like I am cristising, I'm not, just offering help for future claimants.

Sit tight now and wait

steve1145 · 2nd June 2006, 22:29

Should have made a note earlier actually but when completing the moneyclaim form and entering the address of the bank taken from the take a run and jump letter from David Just, the postcode given is B3 3SF and is the Customer Services Recovery Centre.

This when checked on moneyclaim comes up with only 2 addresses, both of which are solicitor firms

Does this mean we are making inrodes ??? Or am I reading too much in to this?

steve1145 · 5th June 2006, 15:31

OK, ball is well and truely rolling now.

Claim now filed and dfendant has 14 days to reply, I take it that is 14 days and not 14 working days therefore my date for reply is 19th June before they default.

A day after my birthday, how touching it would be for them to default and give a little present .......... fat chance I know!!

steve1145 · 8th June 2006, 22:05

Received letter from court yesterday saying that they will have deemed to have served the the claim on 10th June, therefore LTSB have until 24th June to reply and not 19th as previously stated.

More waiting!!!!!

steve1145 · 15th June 2006, 11:46

The claim has been acknowledged on 13th June so that now means another 14 days for them to reply, so time now elapses on 8th July which is a Saturday.

Can I progress it on a Saturday or will it wait until the Monday, I know it is all electronic but in reality, it takes someone office bound to process and action?

Ho hum, waiting again ..........

khronus · 15th June 2006, 13:04

I thought it was 28 days not 14 for acourt claim ?

K

steve1145 · 15th June 2006, 13:16

Somebody correct me if I am awrong but the way I have read through other threads is that they have 14 days from notification of claim to acknowledge receipt, if they do not acknowledge in that time they default and your win.

If they do acknowledge, as they have done, this then gives them a further 14 days, 28 in total, from receipt to submit a defence, if they do not submit a defence then they default and I win.

Fat chance of the latter happening but one can hope.

This is my first claim and I don't pretend to be knowledgable but just picking up and following other threads.

Hope this helps mate.

ppauls150 · 5th July 2006, 13:20

I would say that it is the 8th July aswell looking at the dates you have given. I don't know what happens when it falls on a saturday but there is noone there at the weekend. I would first thing before 9am monday morning file for judgement.
Best of Luck. Though you shouldn't need it.

steve1145 · 5th July 2006, 15:02

Thanks for the support!

Just hoping I can get to press that button instead of them drawing it out any further. Only 3 days for them to file a defence and on past history it is in those last 2-3 days they do file, but fingers crossed.

Thanks again

rickytaylor650 · 5th July 2006, 15:51

Steve, been reading your thread today as i only discovered that all of this was going on today!. im new to this site and a little confused, but more than that the TSB have rolled me over to the tidy sum of £1500 in the past 3 years. how do i start to get this sorted out and start claiming? the money they have taken from me would cover the overdraft which i have with them but i just cant seem to get ahead of myself with all these charges. can you help me by giving me advice on how to start from scratch? who is bank fodder as well?
hope all goes well with your case man! i await the outcome with much interest!

thanks

Ricky

ppauls150 · 5th July 2006, 15:56

Ricky the best advise it to start your own thread within the LloydsTSB group then people can start to help you from there. What you should also do is read the FAQ on the main homepage section where this will help you on how to start your own claim.

rickytaylor650 · 5th July 2006, 16:09

Good times !!

Thanks very much for the quick response.

ill get on it now

steve1145 · 5th July 2006, 21:04

Ditto ppauls150. Will keep an eye out for it and try and offer the advice but much of it will come from the site.

steve1145 · 6th July 2006, 13:22

Too good to be true as I thought.

Just checked Moneyclaim and they have filed their defence

. At exactly the same time my balance was texted to me ........ spooky

!!!!!!! and it is my wedding anniversary, nice present eh!!

Best get gathering the info now just in case it goes that far but AQ next.

Let's hope it goes the same way as Reload eh!

Keep you posted.

steve1145 · 7th July 2006, 11:31

OK received my AQ with defence today. It is exactly the same defence as Reload received except with the ommision of para 8 which states

PHP Code:

  It is denied that s15 of the Supply of Goods and Services Act applies to this claim, since the Bank provides details of 
all charges which are incorporated into

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