Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Im in the process of claming £4000 from Lloyds, and iv got a feeling this is going to be a real stuggle as they seem to be on of the banks that fight all the way!
Iv sent my first letter and got a reply yesterday stating that they were investigating the matter which could take between 4 - 8 weeks. Their obviously trying to fob me and off and hope i get sick so stuff that for a laugh. Im going to send of my 2nd letter (lba) unless any of uz advise me to wait???
Also, iv heard a few claims that they have been putting £750 in to people's banks without them agreeing to this and stating that this is their final offer! I would not be best pleased with this and wouldnt want this to happen.
Do you think i should add on to my LBA that i do not wish this to happen because i will not except this offer??? Anyone got any advise if this has happend to them??
Me again, also can some advise me the lba when i send this letter do i send a second summary which adds up all the interest? I have this spreadsheet to calculate this just dont know whether it is now i send it?
Hi Amy
Give them the 2 weeks from your Prelim letter then send your lba.
If they did offer you the £750, all you would do is send one of the rejection letters then carry on with your claim, it causes no problems at all with your claim.
Good luck, let us know how you get on.
Barty
Thanks for getting back to me. I didnt add any interest on when i did my first summary. Do i need to ass interest onto the total when i send this off or is this all done when you file the claim?
Thanks for all this. Ok the 8% interest i dont add on until i have to file a claim. Do i have to add on any other interest when doing my summary of charges? I didnt when i sent the first letter? Will this matter, have i totally messed this up. The way i thought of it was i requested the money and then when i had to file for the coursts blah blah i had to add the interest 8%! Is this correct?
Im going to send off my lba, and im thinking about setting up another bank account incase they cancel my acount or something. Should i change my bank details with work so from now on my pay goes in my new account? This would mean that i am leaving my account with no money in meaning that i would be constantly over drawn. Is this the way i should do this, or should i just keep the spare acount there until i can clear my ovedraft with the money i shall hopefully claim?
Hi
It's up to you, you should open another account just in case they decide to close your Lloyds one.
You also should stick to one thread with your questions, that way it makes it easier to help you out
I have just received a letter for Lloyds after sending my letter before action claiming their apologies, and how they are open about there charges and i could contact them if i was having problems etc, and the following passage - ''The office of fair tradings has publisjed new guidelines on credit card default charges. We're stil talking it through with them, but the inportant point is that the guidlines are about default charges that people pay when they break an agreement with us. This desnt apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situation''
This cant be right, they must be trying to fob be off. Im getting these charges for exceeding my overdraft limit which they should never have let me do in the first place etc, which is what this is all about.
So iv got to start my court claim and im really scared and unsure about what to do with all this. Can someone help and give me some advice of what i had to do first, and back me up with the fact that they are fobbing me off?
Re: Help!! Need to start court Process i think....
Im sure someone will be along later to advise you more, but the letter you received is the standard response. I got the exact same letter before I sent my lba.
Ok iv got to take court action now. So what is the first thing i do. Do i just need to fill on the N1 form and send that off and wait for a reply etc?
Please help!!
Amy x
Hey Amy,
I take it you've sent your prelim and your lba already and either had no response or some silly standard letter.
If this is the case you need to proceed with court action either by filling in an N1 or a MCOL, which ever you are more comfortable with.
Then just more waiting i'm afraid LOL its a game of patience but it pays off in the end
Yeah you'll get a letter from the court that you file with, telling you the date that the papers were deemed served, and then Lloyds will have 14 days to acknowledge and a further 14 days to file a defence.
They were pretty quick in my case but be prepared to wait the full 28 days if not more as others have
Once lloyds have filed defence you will get AQ to fill in, then more waiting.
Hiya,Im really stuck filling in this N1 form. At the top in a box it has IN THE and then it goes on to the claimant bit etc, what do i put on the IN THE bit? Also if i dont have to pay due my partner getting family alowance etc, do i need to write that somewhere or will the court pick up on that since i wont be sending a payment??/Thanks everyone, your all so useful!!Amy
You put the name of the court that you are filing at - you will have to complete some forms to be exempt from the fee these are available from the court when you take in the N1
Won against Lloyds-Excellent news! Full Payment
, and iv got a feeling this is going to be a real stuggle as they seem to be on of the banks that fight all the way!
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Amy1471 V Lloyds LBA interest - please help!!
Re: Amy1471 V Lloyds 750? Final Help!!!
Re: Amy1471 V Lloyds LBA interest - please help!!
Originally Posted by Amy1471
