Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

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.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default Should i begin a claim against LLoyds TSB

    Does anybody know how Lloydsicon TSB are dealing with new claims right now - trying to figure out if it would be wise for me to start a new claim at the moment or to wait. I did a claim with another bank early in the year and got an offer back really quickly but when i tried it with a second bank in the summer i had letter back saying they would apply to court for an order to stay my action until resolution of the banks proccedings with the OFT and so at the moment i haven't done anything else with that one, not really sure how best to proceed with LLoyds TSB now then. I have all my statements so can easily work out the charges applied to date becasue the account is less than two years old but would a claim at this stage be detrimental to relationship with them - ie are they likely to call in the overdrafticon or close the account

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  2. #2
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    elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore Authoritative elsinore's Avatar

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    Default Re: Should i begin a claim against LLoyds TSB

    Hi janetsflower.

    If you make a claim now, it will most probably be stayed pending the outcome of the OFT test case. Only if it is a business account, or if you can demonstrate extreme hardship, can the stay be challenged. However, if you claim now, at least it will be in the pipeline, ready to be dealt with when the time comes.

    Any attempts by ltsbicon to withdraw your overdrafticon or close your account, after you enter a claim, will be seen as retaliatory and should be reported to the OFT and the FSA as a breach of the waivericon conditions.

    Have you got a parachute accounticon?

    Els

    [B][SIZE=3]BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN [COLOR=#000000][URL="http://epetitions.direct.gov.uk/petitions/6571"]THIS[/URL] PETITION[/COLOR][/SIZE][/B]

    [FONT=Franklin Gothic Medium][B]Aktiv Kapital [COLOR=red]£300.00 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/B][/FONT]
    [FONT=Franklin Gothic Medium][B]Capital One [/B][COLOR=red][B]£741.47 [COLOR=lime]SETTLED IN FULL [/COLOR][/B][/COLOR][/FONT]
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    [FONT=Franklin Gothic Medium][B]LTSB(personal) [COLOR=red]£3854.28 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/B][/FONT]
    [B][FONT=Franklin Gothic Medium][COLOR=black]LTSB(business) [COLOR=red]£7487.97 [/COLOR][COLOR=lime]SETTLED IN FULL[/COLOR][/COLOR][/FONT][/B]

    [FONT=Garamond][SIZE=1]What poor education I have received has been gained in the University of Life[/SIZE][/FONT]

  3. #3
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    Default Re: Should i begin a claim against LLoyds TSB

    Thanks for the advice Els, I will start the process then. Yes i do have other accounts but would prefer not to lose this one simply because where i live they are the only bank around and if i had to rely on another it would mean travelling and as i pay in quite regularly i don't really want the added hassle


  4. #4
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    Default Re: Should i begin a claim against LLoyds TSB

    To re-assure you, it is very unlikely that Lloydsicon will close your account.

    As Elsinore says proceed with the claim, although it will be stayed.

    If I have been helpful please click on my star and add a comment.


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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE