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.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
They have no grounds to and this settlement by Lloyds will embarras the courts and make them less likely to do it again in the future.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
Would have been nice to have a test case behind us but I know a lot of people can't afford to wait for, possibly, months for the result. I think, on balance, this is good news.
If you read this Elliot - Congratulations!
BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.
If you win, donate to this site
Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
Someone ring the Daily Mail. Having give this so much prominence they should give equal prominence to this total and utter humiliation of Lloyds. What will it take to get one of these banks into court and held accountable for their decades of unlawful charging?
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
Excellent. Hopefully all those people who are starting to worry/be put off will read this and continue to proceed as normal.
Lloyds TSB - £972
S.A.R, prelim and LBA sent
Claim acknowledged
Defence received
AQ 20/06/06 ***FULL SETTLEMENT RECEIVED 20/07/06***
Woolwich - £2288
S.A.R, prelim and LBA sent.
Offered half
Moneyclaim filed online 02/08/06
Judgement filed online 23/08/06
WARRANT FILED ONLINE 30/08/06
MONEY RECEIVED BY BALIFF 04/10/06 ***FULL SETTLEMENT RECEIVED 09/10/06***
Smile - £175
Pelim 23/06/06 ***FULL SETTLEMENT RECEIVED 07/07/06***
My Ex vs Woolwich - £715
S.A.R sent 30/08/06
Pelim 06/10/06
LBA 20/10/06
Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
fantastic news!
NatWest - Settled in full 22/05/06
RBS- Prelim sent 9/05/06 £1,147
£500 offer 27/05/06, rejected 30/05/06
LBA sent 25/05/06
MCOL 15/06/06
Defence received 20/07/06
Settled in full 01/09/06 wahey!!!!!!!!!
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
excellent (ish)
Its great that elliot was paid out and we wont get stays on our claims, but if it had of gone ahead then it might have actually seen something done about the situation with the banks.
Proof that they are desperate to keep their true costs under wraps.
Look forward to reading the Ice Melting story in the mail ! (I might even force myself to buy it !)
Do we know why it was going to the mercantile - was it a value thing ?
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
no not officially - it means they gave elliot his refund before it got into court - probably as a goodwill gesture and without admitting liability, commercial reasons, not cost effective to go to court, etc etc etc.
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
Originally Posted by kotum45
I don't understand...
Doesn't this mean that Lloyds admitted their wrong doing????
Doubt it, depends on the terms of the settlement. I'd imagine it was on the basis of no admission of liability on the banks part.
If my reply or advice was helpful, please click the scales! ------- DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation. -------
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
Great news. Thanks admin/mods. Good work. This site is worth every penny of the donation I am going to make when I get my cash back!!
Abbey - Prelim sent 17th May £2560.00 + £191.44
LBA sent 1st June
Claim Filed 27th June 3349.90 Inc Interest + Costs
Court Papers Served 3rd July
Claim Acknowledged 10th July
50% Offered 27th July
Settled Out Of Court 1st August £3080.45
Capital One - S.A.R - (Subject Access Request) request 31st July
26/01/07 Awaiting court date 25/01/07 Courts lost my file!! Said it will be sorted soon 23/11/06 Defence recieved from Abbey 20/11/06 Statements a full 6 years received 16/11/06AQ completed & submitted 30/11/06 Claim number 6SQ06250 recieved from courts 24/10/06Claim submitted to courts x3 copies 21/08/06 Prelim letter asking for it back, sent to Pam Speed. 14 days up 05/09/06. 21/08/06 Data Protection Act non compliance letter sent. 7 days up 29/08/06 11/07/06 Reply to Pam Speed Data Protection Act fob off letter. 10/07/06 Data Protection Act fob off letter received from Abbey. dated 06/07/06. 29/06/06 Data Protection Act statement request sent
Elliot v lloyds - the "test case" settled in full by Lloyds
failed the test!!
The Consumer Forums
Originally Posted by kotum45
Re: Elliot v lloyds - the "test case" settled in full by Lloyds
