Thread: Robinson vs Lloyds

Hi Steven and Welcome ,
I also stupidly missed a step at the beginning , same as you , but if I was up to this stage now what I would do is still send them another letter (at the end of the 14 days ) saying that you are prepared to give them another 14 days as a goodwill gesture .The reason for this is that you have to prove to the court that you have acted reasonably throughout and that a claim was a last resort .The court would look at 28 days as being a reasonable amount of time for you to try and settle this hence the reasons our 2 letters give 14 days.

Do you mean your letter was dated 10th August or theirs ? as its you that sets the time limit , 14 days from your letter

As for your overdraft , they can call this in at anytime but seen as they owe you more then your O/D if they try then you can write and tell them its in dispute .

Your repayment will wipe out your O/D but this is then one debt less

have you also opened another account so as they can't be taking even more charges from you with you being so O/D ?

Cheers MJanet,

Does anyone have an email address that i could submit a further letter to them if this is recommended.
I mean that their letter was dated 10th of August, i sent them the letter on the 29th July. Yes i already had another account elsewhere with Barclays so i'm using that one now.

Regards
Steven

Right i've decided against sending them another letter and allowing them to stall, i know people have different opinions on this but i've had the letter stating it's the banks final response therfore they have reviewed the situation and declined to do anything about it so i'm going to progress. And the other end of the stick is financial problems so the sooner i get this started the sooner it can get settled.

Right here's my moneyclaim just want someone to check it over to make sure it's all present and correct.

I have a contract with Lloyds TSB Bank PLC,
conducted on their standard terms and
conditions.I am claiming return of my money
taken by the Defendant in the way of charges
over the last 4 years totalling £2258. The
charges are a disproportionate penalty and
therefore unenforceable, being contrary to
common law. Further, as a disproportionate
penalty they are invalid under the Unfair
(Contracts)Terms Act 1977 s.4 and the Unfair
Terms in Consumer Contracts Regulations
1999.Para8.and sch.2(1)(e).In the event that
the charges are not a penalty then they are
unreasonable within the meaning of the Supply
of Goods And Services Act 1982 s.15. I have
repeatedly asked the Bank to justify their
charges but they have declined to do so. I
claim interest of £266.25 under section 69 of
the County Courts Act 1984 at the rate of 8%
a year from 01/11/02 to 19/06/06. I therefore
claim a total of £2524.25(£2258 + £266.25)
plus interest at the same rate up to the date
of judgement, or earlier payment, at a daily
rate of £0.50.

Cheers
Steven