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.
Here we go! Claiming £6925.50 plus pos. £1730.00 in interest
I took an account out with TSB (Trustee Savings Bank in the old days) when I was a mature student and with me, they were fantastic then (1993/4). Very much had it sussed in that they were investing in higher earners of the future and couldn't have given me more support and advice. Then they merged with Lloyds... Stopped us from dealing with our own branches, with people who knew me well and knew what I was about. Then all the contact was with 'down south' and the attitude changed. Because of my good experience with them previously, I took out my mortgage with them and my mortgage insurance. Unfortunately some years later was made redundant and that's when the rot really set in. They didn't pay out until months later, denying I had even been in contact with them at the beginning of my unemployment, when the first thing I did, was contact both them and the Job Centre on the very first day of my unemployment, to register. The charges accruing from that were horrendous and has affected my credit rating for a number of years.
I have spent the last few days, calculating all my charges and interest accruing from that and have just printed off the letter as per moneysavingexpert.com . I'll also be pursuing their Asset Card and mortgage divisions as I also had to pay a considerable amount of charges to them at the same time, for the same reason. I am so angry that they have gotten away with this for so long and very grateful for all the advice this site offers. Thanks guys! Also, how the heck have they got the brass neck to pay some direct debits and in particular, payments via Debit Card, when they know there is not enough money in the account? I had thought (stupidly, it now seems), that they prevented payments if you hadn't enough funds... duh... Mind you, does help them collect a heck of a lot of charges, which is more to their benefit, than mine.
I'll keep you posted on how things develop and if you have any further advice or information, would be happy to hear from you.
Re: Here we go! Claiming £6925.50 plus pos. £1730.00 in interest
Sort of figuring out how to access posts... Not thee most comp. literate, at least with websites, anyway. And yes, have a smouldering knowledge building, thanks to a few websites, including the Govan Law Centre. From there I found out that although resident in Scotland, can pursue the bank through the English courts. Means I can claim back 6 years, not just 5 years as here north of the border.
And not surprised about the Roapo nickname, am kind of regretting venting off before realising I could put something else in easier to type. Particularly, as I (sad sod...) counted out how many ... I would need for the missing letters, in case I got blocked. By the way 'isse' lol As if you hadn't figured that one out!
Re: Here we go! Claiming £6925.50 plus pos. £1730.00 in interest
Could do with a bit of advice, if anyone can help me out here. I managed to track down all bar a couple of bank statements (god knows why I hoarded them all these years - just glad now I did!) and have typed up the list of charges, calculated interest as per moneysavingexpert.com. It looks like I haven't missed any charges out. Also, have sent off the SAR to Lloyds but this was to cover bank accounts, credit card and mortgage account before I realised I have all the bank charges.
The question is, should I hold off sending in the request for payment until I receive confirmation from Lloyds about totals, or is it safe to send off what I've calculated so far? Honestly don't think I've missed anything.
Re: Here we go! Claiming £6925.50 plus pos. £1730.00 in interest
Hi,
If you're sure you haven't missed anything then send it offf the prelim letter. I highly doubt they will settle before then - not for such a high amount anyway. If you receive the statements through before your lba and find you have missed something then all you need to do is amend your schedule of charges - and the same can be done when you file your claim at court.
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
Here we go! Claiming £6925.50 plus pos. £1730.00 in interest
... Stopped us from dealing with our own branches, with people who knew me well and knew what I was about. Then all the contact was with 'down south' and the attitude changed. Because of my good experience with them previously, I took out my mortgage with them and my mortgage
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If you receive the statements through before your 
