Thread: Think i've made a big mistake ** WON**

Hi everyone

This is my first post so not sure if done it right. Its probably gone to the completely wrong place, then I will be really stuffed!

I have issued a claim with Lloyds TSB, they filed a defence and it has been transferred to my local court.

I have been told by my local court that I will not get an allocation questionnaire, I will recieve a date for a preliminary hearing. Has anyone else been told this.

I really need help here as I am getting really stressed out with Lloyds TSB.

Thank you in advance

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Hi

Don't panic. That's what they are hoping will happen and you will back out. Stand firm, take your time and try to prepare properly. We have a Prelim hearing in Cambridge on 30th July. Hopefully we will both receive a settlement before court.

Good Luck

Jay

Thanks for that would you let me know what kind of preparations i need to make. Good luck with yours, let me know how you get on.

Sharon

Originally Posted by shazzad

Thanks for that would you let me know what kind of preparations i need to make.

Follow the link that Barty has supplied above - as a matter of interest what are the details of your claim? Amount etc.?

Hi Sharon

Have you received a court date yet ?

Where will you be going to court ?

My date is for the 30th July but have not had any contact with Lloyds or SC&M yet. I haven't had a goodwill payment yet like many others have either. Have you ?

Good Luck

Jay.

No I have heard nothing from the courts (stoke-on-Trent) about a date for the prelim and not a peep from SC&M. No offer of goodwill payment either.

I am worried because my claim is over £5,000, the total amount is £5424.44 and I am hearing about these fastrack things which I really could do without, I would prefer small claims. Also I think i have made a big mistake because I naively started this ages ago and didnt realise that you cant claim the normal overdraft interest which I have tried to claim. I didnt claim the 8% interest though because I wasnt sure how to work it out (although i do now).

Do you think it might get struck out? I wish I knew then what I know now.

Any more developments with you?

good luck

Sharon

I really need advice.

Started a claim a while ago against Lloyds. A friend gave me copies of the letters so I sent them all off. i am waiting for a date for a prelim hearing at the moment, but the problem is I have tried to claim charges that I now know after reading stories on this site) that I cant claim.

I put all charges, including the normal overdraft charges, I had an agreed overdraft and I have put all charges in the claim (ouch). I did not however claim for the 8% interest that I understand now that I could have claimed.

Any advice would be appreciated, dont know whether to just cancel this claim and start a new claim, but I will lose £250 court fees that I paid because my claim is over £5,000.

I really wish I had visited the CAG site months ago.

Help

Thanks

sharon

What proportion of your claim is made up of O/D interest?

From what I've read you can amend a claim, but it'll cost you £35.00.

I would advise producing a new accurate schedule of charges using the advanced spreadsheet, if the dirrerence is significant then you will want to send in an amendment costing £35, you can find it in the bank templates, im sure someone will link it up for you if need be.

Thanks to you all

i will have a look at the schedule of charges and let you know how much.

i take it if its a considerable amount, then I would be best ammending my claim.

thanks again

Sharon

Originally Posted by nicsussex

What proportion of your claim is made up of O/D interest?

The interest that I have tried to claim is £342.94.

Would you suggest that I do an amendment? My total claim including costs is around £5,400.

Thanks

Sharon

Hi there,

Can you please tell me what the procedure for filing for claims over £5,000?

Originally Posted by walkera

Hi there,

Can you please tell me what the procedure for filing for claims over £5,000?

Yeah, you just do the same as if it were under £5,000. i filed the claim online, then I think the judge decides whether it goes as small claims or fastrack.

Would like to thank you all for your good advice.

I have opened the post this morning and I have an offer to settle from SC&M. Could not quite believe it is £200 more than I was claiming back. i just need to sign and send it back to accept it.

I was suprised because I have not even had a date from the courts for the prelim hearing yet.

However, I am trying not to get too excited until the funds are in my account.

Thanks again

Sharon

Just to let you know that I have had an offer for £200 more than I asked for. I was suprised because I havent had my date for the prelim yet.

Needless to say that I am going to accept the offer, will feel better though when the funds are in my account.

Have you heard anything from SC&M yet? If not I am sure you will soon

Good Luck

Sharon