Very strange development ***WON***

[Cheryl Beal]

Clicking on internet banking yesterday I found £1,200 in my account

Today I recieve a witness statement from SCAM saying I have miscalculated and instead of what I claimed £3800 less £750 partial payment they "found there to be a total of £1777.00(exclusive of interest)in charges applied to the above account"

They then say that they make it
charges £1777.00

Interest £126.83

Total £190383

nothing adds up!! I'm due in court on Tuesday 12th june!!!....Help/advice please!!!

[Cheryl Beal]

please!!! Has anyone encountered this!!!?? I'm due in court on Tuesday! Could really do with some support in the Newcastle area!!....kisses galore for ya!!!!

[Cheryl Beal]

Anyone able to help?.........even a hello would be lovely!!!

[zomerzet]

Hi If I were you I would send a letter to SCUM (keeping a copy for court) excepting £1200 as part payment and then still go to court for rest!

[Cheryl Beal]

Ahhh....thanks zomerzet. Yes I'll do that.

[ukaviator]

I would give them a call Cheryl, tell them to sort it out or it's still on for Tuesday.

Uk

[nicolefrenzy]

hi.
first thing check your charges again to make sure you are correct, if you are correct give scam a call on monday i know your probably getting stressed with the court date on tuesday but keep your cool you will be fine if it goes that far

[Cheryl Beal]

thanks ukaviator and nicolefrenzy. Yes I'm going to check my charges this afternoon when I get rid of this fuzzy head!!!
I think I may have put in some account charges by mistake as I calculated it before discovering this fantastic site!

[GaryH]

Yes, check your figures again.

You can't include monthly account service fees - or OD interest, unless that is you've worked out the part that was solely due to and levied on top of each charge.

Minus anything you shouldn't have claimed from the total, then if thats what they've paid you'll have to drop the claim - you've won!

If there is still some genuine charges, interest or fees which have not been paid you need to go to court to iron it out there. Take your figures in so you can show the judge precisely what you've been paid and what's still outstanding.

[Cheryl Beal]

Thanks Gary for your help.Yes I intend to go to court as ,even if they are correct, they have estimated £1,903.83 including interest but not court fees. They paid £1,200 into my account so I reckon they still owe me at least £823.83.

[Cheryl Beal]

:o Oh deary me SC&M were correct!!!! What do I do now? Write to them and claim the £823.83??

I'll need to inform the court,but they haven't settled in full.......

Otherwise YIPPEEEEEEE!!!!! I'VE WON!!!!!!!

[GaryH]

What do you mean?

Have they settled everything they should have in full, or not?

If so then yes, you need to inform the court and discontinue the claim.

[Cheryl Beal]

No they have not paid in full. So I need to go to court to claim outstanding amount?

[GaryH]

Oh deary me SC&M were correct!!!!

Sorry, I got the impression from that that you meant you'd realised what you were paid was the total amount of what your entitled to.

If you've taken off all the service fees and the OD interest, and any cash point fees and they are still short, then yes, go to court and show the judge what they haven't paid.

Don't be tempted to try to pursue the charges your not entitled to though, i.e select account service fees, etc - you won't get them.

[Cheryl Beal]

ok thanks Gary.I'm due in court 10 am Tuesday so I'll let you know how it goes. Thanks for everyones help xxx

[Cheryl Beal]

Well I wen't to court yesterday and came to an agreement. Lloyds are settling in full!!!! Phew,thank goodness it's all over.......a little rest then on with the next LloydsTSB claim!!Thank you greatly for all your help,and hope everyone beats the buggers!!

By the way the judge said my "bungle" was very helpful......pat yourselves on the back CAG

[dolphin939]

CONGRATULATIONS X

[jansus]

Well done

did you settle in the court or before you went in?

jansus

[BARTY]

Congratulations!!
Very well done you!
Barty