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 Brick Driver V's Lloyds TSB

    Following on from this thread I sent off the Prelim letter on 17th August. This morning, 24th August, I recieved what looks to be a generic reply letter and a "how to voice your concerns" leaflet signed by Mr Andrew Palmer. Contents of the letter are as follows:-

    Dear Mr & Mrs Brick Driver,

    I am just writing to let you know the we've received your complaint and to say how sorry I am to learn that you're unhappy with us.

    You have my assurance that one of our assistant managers will investigte the concerns you have raised with us - this may take a little time but I would expect out enquiries to be complete within the coming two weeks. We will then be able to respond in full to your complaint and ath that stage, I hope, resolve matters between us.

    In case you haven't received a copy of our leflet called "How to voice your concerns" I've enclosed one with my letter. This tells you all you need to know about resolving your complaint with us.

    Yours sincerely

    Andrew Palmer
    Customer Service Advisor
    Is this generic letter aimed to stall me by informing me that it will take a few weeks to investigate hoping that I will go away and fotget about it or is this a genuine letter?

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  2. #2
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    Default Re: Brick Driver V's Lloyds TSB

    Hi. This is the standard letter they normally send out just to acknowledge the receipt of your prelim. We sent our prelims on 9th August and had received exactly the same letter as you have by 11th - so a lot quicker than you've received yours. Today we've received our 'the answer's no' letter - exactly 14 days after they got our prelims.

    Good luck.

    Mindzai & Lucid vs Lloyds TSB
    *Won unconditionally with contractual interest (29.85% compounded)

    Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65
    *All settled in full - 6/2/07
    *Hearings - 7/2/07
    *Prelims sent - 9/8/06
    _______
    GOT A COURT DATE? A guide to the later stages


  3. #3
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    Default Re: Brick Driver V's Lloyds TSB

    *Rubs hands together*

    Here we go then. They have until the 31st to respond properly.


  4. #4
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    Mindzai Highly informative Mindzai Highly informative Mindzai Highly informative Mindzai Highly informative Mindzai Highly informative Mindzai Highly informative

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    Default Re: Brick Driver V's Lloyds TSB

    Good luck!

    Mindzai & Lucid vs Lloyds TSB

    Mindzai's Account - Partial settlement offer rejected
    Joint Account - Partial settlement offer rejected
    _________________________
    Spreadsheet for compound contractual interest and statutory (s69) interest:
    Download v1.9
    [Tested with Excel 97-2007 and OpenOffice 2]
    PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

  5. #5
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    Default Re: Brick Driver V's Lloyds TSB

    Lloydsicon have not replied to me within the specified 14 days. So I'm drafting up the letter before actionicon to send out with the last post today.


  6. #6
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    Default Re: Brick Driver V's Lloyds TSB

    I have again recieved a letter from Lloydsicon TSB Collections Department telling me that "It would appear that this account is currently a low priority to you". The cheeky buggers. I feel that my account is of a low prority to Lloyds TSB!

    In lbaicon I asked for £235 to be refunded because when I last called Lloyds they told me that on the 1st September there would be more charges taken out of my account which I added to my claim.

    This letter that I received today does not contain any of these charges and having checked my account online it appears that they havenot taken them either.

    So do I remove these from my schedule of charges or carry on with the ammount I am claiming (£235)?


  7. #7
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    Default Re: Brick Driver V's Lloyds TSB

    Just another quick question. Should I call the collections department and remind them that my account is in disputeicon?


  8. #8
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    Default Re: Brick Driver V's Lloyds TSB

    I would send a letter - I believe the Collections Centre is in Brighton BN1 4BE - as they can (and do!) claim not to have received any contact from you.

    Angie

    Claim issued 7.7.06
    Judgement entered against LTSB 8.8.06
    Enforcement action issued 29.8.06

  9. #9
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    Default Re: Brick Driver V's Lloyds TSB

    Thanks for that. I have drafted up this letter to send. What do you all think?

    Dear Sirs,

    I received you letter dated 31st August 2006 (ref: CHHXXXX). I find the following comment made by yourselves to be one of ignorance and arrogance:-

    “It would appear that this account is a low priority to you”.

    As you should be aware, I have informed you that this account is in disputeicon with regards to unlawful charges levied by Lloydsicon TSB on a number of occasions. Please take this as a further reminder.

    Yours Sincerely




    Mr B Driver


  10. #10
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    Default Re: Brick Driver V's Lloyds TSB

    Recived the "No sod off and this is our final reponse letter today". Shame the lbaicon wene off on Monday. Oh well best of luck to Lloydsicon.


  11. #11
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    Default Re: Brick Driver V's Lloyds TSB

    HEY BRICK DRIVER I'M AT THE SAME STAGE AS YOU WITH Lloydsicon MY lbaicon WAS SENT ON THE 01/09 I'M STILL WAITING FOR ACKNOWLEDGEMENT THOUGH. THAT LETTER YOU DRAFTED SOUNDS GOOD I SHOULD HAVE SENT SOMETHING LIKE THAT! ALL OF THE STANDARD RESPONSES YOU HAVE HAD SEEM SOOOO FAMILIAR! I RECEIVED THE “It would appear that this account is a low priority to you” LETTER TOO IT MADE ME LAUGH, CHEEKY SODS.
    HAVE YOU OPENED A parachute accounticon?

    GOOD LUCK DONNA X

    Subject Access sent - 28/06/068)
    Prelim Sent - 22/07/06
    Standard Bog Off received - 03/08/2006
    LBA sent - 07/08/06
    Expiry of LBA - 21st Aug No reply as of yet so
    Moneyclaim issued - 01/09/2006 ( I even gave them an extra 10 days before issuing claim! ) THE SWINES!
    Notice of issue received 11/09/2006
    Acknowledgement of service received 13/09/06
    28 DAYS & COUNTING!
    Total Claim - £3,966.04 inc Interest
    Lloyds Platinum Visa Subject access sent 11/06/2006

    "All I ask is the chance to prove that money can't make me happy"
    "Whoever said money can't buy happiness simply didn't know where to go shopping"
    "We didn't actually overspend our budget. The allocation simply fell short of our expenditure."
    "Anyone who lives within their means suffers from a lack of imagination."

  12. #12
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    Default Re: Brick Driver V's Lloyds TSB

    I have different accounts with several banks. The Lloydsicon account is just a basic cash account so is no major loss if they close it.

    You would think that they would have taken note what with the ammount of people claiming back these charges. Oh well, fingers crossed for the both of us eh?


  13. #13
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    Default Re: Brick Driver V's Lloyds TSB

    Quick question that has probably been answered many of times on here but which address to I use when I enter my claim with moneyclaim? Is it their registered office or the one I have been sending my letters to?


  14. #14
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    Default Re: Brick Driver V's Lloyds TSB

    We addressed our N1s to Customer Recovery Centre in Birmingham (I'd imagine that's where your 'the answer's no' letters have ocme from. We've recently received acknowledgement of Service through from SC&M so there obviously weren't any problems using that address.

    Good luck. Lucid

    Mindzai & Lucid vs Lloyds TSB
    *Won unconditionally with contractual interest (29.85% compounded)

    Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65
    *All settled in full - 6/2/07
    *Hearings - 7/2/07
    *Prelims sent - 9/8/06
    _______
    GOT A COURT DATE? A guide to the later stages


  15. #15
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    Default Re: Brick Driver V's Lloyds TSB

    Thanks for the reply.



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