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Hi,
Am at the stage of preparing my defence!
I have completed the letters process and have had to proceed with the 'money claim online'.
Am very nervous about it all as if anyone if likely to lose, it would be me!
Can anyone give me pointers with regard to the defence i have to prepare? What should i say?
Any advice would be very kindly received!
You're sueing them remember, so you're prepareing an claim, not a defense - its the bank who defends.
Anyway, don't worry, you won't lose. Not one case has been to court yet, and even though that does'nt mean none ever will, its highly unlikely. The banks have'nt got much of a leg to stand on. The only way they could win is by taking advantage of any mistakes or on technicalitys. As long as you do your research and prepare your claim properly (all the info you need is on this site) then you'll get back what rightfully yours. Along with the guidance notes in the link above, take a look at wolfcub's thread - she has kindly posted her case notes, so you can get a good idea from that. It is important however, to get a good understanding of the issues for yourself, rather than just reading from a template.
Just out of interest, have you submitted an A/Q yet, or do you have a court date?
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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
getting my details ready for my day in court! housework in on hold today! Sent the questionnaire back with a copy of the charges and mt letters to Lloyds, also going to sent a copy yo Lloyds sols.
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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
I have my day in court on friday, i have my 'speech' ready. Any tips or things to remember to help? not sure what to expect.
Do i need to just say my bit and argue my case?
What sort of hearing is it - the final hearing or an allocation or preliminary hearing?
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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
the letter is headed 'notice of allocation of the small claims track (hearing)'. so I would say hearing.
The letter asks me to send any doc i tend to reply on at the hearing to all parties which i have done but i havent had anything from Lloyds, should they have sent something to me?
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Hi Natasha
you need to send everything from the Basic Court Bundle which can be found in the templates library, when did your documents have to be in by?
nat
LTSB -claiming back WON!!!
Mint credit card - WON!!!
Morgan Stanley credit card - WON!!!
LTSB credit card - MCOL issued WON!!
Barclaycard - MCOL issued for balance of partial refund 200.00
Get the full court bundle off as soon as possible! One to the court office and one to SC&M.
At least Lloyds won't have submitted theirs either, so they can't apply for a strike out.
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Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
The attachment on the email 'basic court bundle' do i just need to add my statements, currant charges and corrs? it has everything else i need but i may just need to adjust it to suit?
The attachment on the email 'basic court bundle' do i just need to add my statements, currant charges and corrs? it has everything else i need but i may just need to adjust it to suit?
Deliver it to the court on Monday morning and send 1st class to SC&M.
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
Yes, just get it there as soon as possible - if Lloyds had submitted their bundle you'd be in a bit of trouble, but as they almost certainly won't have, you should just about get away with it.
Prepare for court on Friday, but if your lucky you may still get a settlement beforehand.
Please remember to DONATE! Help CAG keep up the fight!
Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.
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Re: Natasha Vs Lloyds TSB
Originally Posted by Natasha77
Re: Natasha Vs Lloyds TSB
