Thread: Sally v Lloyds TSB **WON**

Hi & Welcome!
Good luck with your claim, if you need any help, just ask.
Barty

Hi
That Royal Mail site is pretty rubbish to be honest, just give them 14 days from when you sent the letter and then move on to the next stage.
Barty

Yep:
http://www.consumeractiongroup.co.uk...re-action.html

Barty

Well, I received my first sod off letter from Andover this morning. It seems to be a 'one size fits all' response, they refer to requests for copy statements (I have already paid, requested and received them) Guidelines on credit card charges (my claim is nothing to do with a credit card!) Concerns about 'sharing of information' -(I have never had any such concerns!)- Has anyone had the same letter?

Can Lloyds not even be bothered to match thier template response letter to the correct request..!!??

Dear Bleachyschick

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.
Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.
Of course it's only fair too, that we're completely open about any charged-for services before you might need them. That's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.
Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.
If you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do.
The Office of Fair Trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about 'default' charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations.
I understand that you may also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card, loan or mortgage accounts.
I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges.
If you have asked for copy statements and paid the fee, we'll send them to you
within the 40 day limit set by the Data Protection Act. .
If you have not yet sent the £10 fee you will need to send it to us at the address below. The 40 day limit starts from when we receive your payment. Please quote the reference number shown above when you send your cheque to us.
Statement Request Lloyds TSB Bank Plc
Customer Service Recovery Centre Charlton Place (C25)
Andover
Hampshire
SP101RE
I hope this fully answers the points you raised with us. Please let me know if there is anything else I can do to help. If we cannot come to an agreement, I will provide
you with details of the Financial Ombudsman Service so they can consider your complaint independently.
If you.are happy with the way I have dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by the 20 Jun 2007 I will close­my file, though of course I will re-open it should you come back at any point afterwards.
Yours sincerely,

Debbie Gilbert Team Manager
Customer Service Recovery Centre Andover

Help!! I am just sending my schedule of charges in support on the mcol I have just submitted. Should I send it to the Northampton address or my local court???

Hi
Send it to Northampton, this should help:
http://www.consumeractiongroup.co.uk...tml#post614610

Barty

Thank you Barty.

Can anyone give me an idea how long it takes to get a court date after the MCOL has been submitted? I am just wondering if I should be starting to produce my bundle now or wait a bit...

Hi
It all depends on how busy your local Court is, it could be a few weeks or several months away.
I wouldn't print anything out yet, but there is nothing wrong in having a good look at it so you know what it entails.
Barty

Quick update...
Submitted MCOL on 25/5/07 and backed it up with a letter to the Court Manager attaching my schedule of Claims.

The Claim was 'Issued' on the 30/5/07 and was 'deemed served' on the 4/6/07 giving Lloyds until the 18th June to do something about it.

I am peeved that Lloyds have not even bothered to write to me since my initial refund letter ( and even then the response was a standard 'bog off- one-size-fits-all' typeletter) I got nothing after my lba and nothing since.. I am beginning to think they don't care... (HHMMMM!!!) lol

Ooooh I am getting excited!- no news on Lloyds acknowledging or defending my claim yet...
Only 7 days to go...

Lloyds have acknowledged my claim today ( Lloyds are getting a bit quicker it would seem- they still had 4 days to go...)

Anyway- I guess I should expect a defence by the 3rd July. Clock is ticking...

Lloyds have defended the claim today so I assume the case will be transfered to my local court and a court date will be given... BRING IT ON! (has anyone got T & C's from Jan 1998 they can send me for my bundle?)

Hi
Have a look at the new section in the library about t&cs:
http://www.consumeractiongroup.co.uk...-progress.html

You will should shortly receive a copy of their defence (check it's the standard 9 point one) and you may receive an Allocation Questionnaire to fill in. These links will help you to fill it in if you get one:
http://www.consumeractiongroup.co.uk...ionnaires.html

http://www.consumeractiongroup.co.uk...ompletion.html

If you don't receive an aq, read these links:
http://www.consumeractiongroup.co.uk...t=dispensed+AQ

http://www.consumeractiongroup.co.uk...tml#post695176

Barty

Received notice yesterday that my case has been transfered from MCOL to my local Court and that a MCOL judge recommends that the aq is dispensed with. Does any one know if I have to wait for mny local Judge to confirm this or is it a certainty now? I will phone the court shortly to see if an AQ payment is still required.

Along with the document was the boring old 9 point defence from Lloyds-no surprise there then.

the chance is u wont get one, its quite rare now, u will find out from ur local court what the state of play is