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.
Please don't pm me about specific questions unless you have posted and it has not been dealt with or unless the matter is confidential. Please include a link to the post you want me to look at. If you have received a defence, contact me.
Advice & opinions of BankFodder, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
I posted my details to a Mod on 29/03/07. The Mod responded on the 31/03/07, confirming they had been posted. I cannot see my details listed in your spreadsheet; in moving from the old to the new system have our records gone astray, is there a techy type problem? Users such as myself may alreday think you have our details . I tried to PM the full detail to you but your box is full
Regards,
Griffin
04/01/07 New S.A.R - (Subject Access Request) sent by RECORDED DELIVERY
05/01/07 Delivery of S.A.R - (Subject Access Request) confirmed by Royal Mail
18/01/07 S.A.R - (Subject Access Request) data received
09/02/07 Prelim letter sent.
16/02/07 Frist template response received (nothing out of the ordinary).
23/02/07 LBA sent.
22/03/07 Claim issued to County Court
28/03/07 Claim served on Lloyds TSB (to reply by 11/04/07)
16/04/07 Acknowledgement of service (date stamped 12/04/07) received. Lloyds intend to defend the whole of the claim.(Lloyds' defense to be filed by 25/04/07)
26/04/07 Received Lloyds defense (standard 9 point) AQ to be returned by 11/05/07
09/05/07 My AQ returned to court
22/05/07 Lloyds have not met the AQ deadline. Court give them until 05 June to file
05/06/07 AQ filed by Lloyds with application for 1 month stay
dance creations versus Lloyds TSB litigation details
Lloyds TSB owed me charges to the amount of £1652-00. They paid me £750 but I decided to make a claim in court for the rest - £900.
They have now filed a defence and I have filled in the aq.
hi, i applyed to the mcol on the 25th aprill, i have recieved a responce from them stating that the claim will be issued by the 30th aprill. i am reclaiming £800 and it cost me £80 in fees on the mcol. Lloyds have untill the 14th to put a defence in. so far i havent heard any thing. good luck to all
After my lba was sent to Lloyds I heard nothing for a month so I filed my claim using the online system for £3668.05 which included the 8% interest.On the same day that i claimed lloyds paid £750.00 into my account as a goodwill gesture.I wrote to them asking them not to credit that amount & if they did nothing then the payment would be deemed to be a partial settlement and that I would pursue them for the rest.My claim Number is 7ZQ58607 and was served on May 1st. they had until yesterday to file a defence which they did at the last minute and they are disputing the whole claim. What now?
After my lba was sent to Lloyds I heard nothing for a month so I filed my claim using the online system for £3668.05 which included the 8% interest.On the same day that i claimed lloyds paid £750.00 into my account as a goodwill gesture.I wrote to them asking them not to credit that amount & if they did nothing then the payment would be deemed to be a partial settlement and that I would pursue them for the rest.My claim Number is 7ZQ58607 and was served on May 1st. they had until yesterday to file a defence which they did at the last minute and they are disputing the whole claim. What now?
Hi
You will then receive a copy of their defence 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
We were pretty much stonewalled by Lloyds when we requested a refund of the £2,225 they had ripped out of my wife's account over the past 5 years (the Data Protection Act information did not cover 'year 1' despite two further requests for this info). My wife filed a claim for £3093.24 in Taunton county court last week, to include estimated charges for the 'missing' year plus interest plus the court fee. This was deemed to be served on the 20th.
I have now received what looks like Lloyds standard response as soon as they get notice of claims, i.e. an offer of about 25% of the claimed amount (in this case, £750) in 'Full and final settlement'. I don't want to accept this but am becoming worried about possibly having to go up in person against a corporate lawyer and argue what is and what is not, a penalty charge vs. a 'fee' for services, and whether or not a 'breach of contract' is involved when a penalty charge is incurred, which seems to be the crux of the recent Berwick case. I wouldn't really know how to go about this at all and doubt my competance to manage it successfully against a trained 'legal eagle'.
BF: I submitted my claim on 8th May 2007, rec'd a Notice of Issue stating my claim will be deemed to be served on 13th May and that Lloyds have until 27th May to reply.
This morning I rec'd Notice of Acknowledment of Service, in the Northampton county court [I live in London] stating that Lloyds intend to defend all of the claim and that they have 28 days from the date of service of the claim to file their defence. This takes us to June 11th.
What should I be doing at this point? I've read through what I'll need to go to court and am trying to find T&Cs from before 2000 [not an easy task] to put into my bundle.
No seriously, you may soon receive an Allocation Questionaire (aq) - its what the court uses to determine which track your case should follow. For more infor take a look at
04/01/07 New S.A.R - (Subject Access Request) sent by RECORDED DELIVERY
05/01/07 Delivery of S.A.R - (Subject Access Request) confirmed by Royal Mail
18/01/07 S.A.R - (Subject Access Request) data received
09/02/07 Prelim letter sent.
16/02/07 Frist template response received (nothing out of the ordinary).
23/02/07 LBA sent.
22/03/07 Claim issued to County Court
28/03/07 Claim served on Lloyds TSB (to reply by 11/04/07)
16/04/07 Acknowledgement of service (date stamped 12/04/07) received. Lloyds intend to defend the whole of the claim.(Lloyds' defense to be filed by 25/04/07)
26/04/07 Received Lloyds defense (standard 9 point) AQ to be returned by 11/05/07
09/05/07 My AQ returned to court
22/05/07 Lloyds have not met the AQ deadline. Court give them until 05 June to file
05/06/07 AQ filed by Lloyds with application for 1 month stay
I have 2 Lloyds TSB claims which have been transferred to my local court (Colchester).
1 for just over £4,000, the other for just over £2,000.
Both have received identical defence from Lloyds, and I am now awaiting a court date. The court have not requested the allocation questionnaire, although reading on here, think I will do the draft one from Bankfodder anyway.
When I rang the court, was told might get looked at in couple of weeks, then a date allocated. Is there anything I can do to speed this up??
Also, do you require any more info, will probably need some help as court date looms..... have an 8 week old baby so only just getting back focussed on this again!!
Hello can someone please help me?
I am due in court on 29th June Lloyds TSB, I'm not sure how to inform a moderator but have been getting together a bundle, I am having trouble finding relevent terms and conditions even using that archive website (I am possibly staring them in the face with out realising!!) My account was a gold account in 2001 changed to a platinum in Aug 2004.
I would love some help and advice if any is forthcoming.
Thanks
Hello can someone please help me?
I am due in court on 29th June Lloyds TSB, I'm not sure how to inform a moderator but have been getting together a bundle, I am having trouble finding relevent terms and conditions even using that archive website (I am possibly staring them in the face with out realising!!) My account was a gold account in 2001 changed to a platinum in Aug 2004.
I would love some help and advice if any is forthcoming.
Thanks
I am after the exact same T&Cs; same dates too. I've actually written to the bank and asked them to provide duplicate information on the terms applicable to my account. Whether they will or not remains to be seen, but at least I can say that I have. If they refuse, I think it adds strength to my case. May be worth your firing off a letter in advance of your court date.
I went to MCOL and issued for £7791+interest = £9,637 against Nat West - On the same day I did this I received a standard letter from Nat West saying they were "considering" my claim and that it would take 6-7 weeks for a reply.
Am now getting ready to defend if they choose not to make me an offer.
hi, im not sure if this letter means i should turn up in court or if i just need to send the info they ask for could you take a look
before deputy district judge roozw sitting at bradfor county court, the law courts, exchange, bradford
upon the courts own mention
it is ordered that
1. by 4.00 pm 6th july the claimant do file and serve the defendant the following further information;
a. on what dates did the defendant levy the charges complained of
b. how much were they
c. whaqt reason was given ( e.g. unauthorised overdraft)
d. was the amount charged in accordance with the defedants terms of business at the time it was charged
e. what does the claimant say a fair charge should have been
f. how does the claimant calculate that a fair charge
2. in default, this claim will be struck out .
3. on compliance this file will be considered further by a distric judge and further directions given
I have sent my details to the administrator but they do not appear to be on the ltsb litigation list
suzanne186, claim no 7SF02720, claiming £9222.80 (includes int) await court date sent aq on 28/6/07
Here are my litigation details. We've been asked to post to a mod BUT I have searched for a a mod. who can accept mail for about an hour now... with no sucess. I must be looking in the wrong place!! So I hope posting here will be ok. If not could someone give me details of who to post to? Thanks
crystalcag vs Lloyds tsb
#7EX02221 Exeter
£4,506.88 (inc cont. int)
served 4th July 2007
I am also struggling with finding a mod to post to so also herewith my litigation details:
lanzarote vs Lloyds TSB
7QZ21273 Warrington
£4023.37
served 21/2/07