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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Barty V Lloyds Tsb ***WON***


BARTY
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I have just posted my DPA letter. I reckon there will be £2000 at the most of charges. I'm a bit nervous of what's going to happen, but I'm getting a lot of inspiration from this site which helps.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Spend your time reading around. Because of the McNamara recording which we have in the Library, Lloyds should be one of the easiest banks to knock down if they decided to go to court.

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  • 3 weeks later...

Still not had anything back from Lloyds Tsb, so emailed them and they say they have not received the letter. So I have emailed them a copy of the original letter. Oh well, I'll just have to wait some more!

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi barty

did you sen dit recorded delivery, I do everything by post once its in the letter box, its sent..

many years ago at college, i learnt that once you place it in the letterbox its in your favour as legaly sent and recorded is better as you know! they have got it.

 

Not sure if this has changed now,would like to know if it has.

 

jules ;-)

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I too have sent a dpa to lloyds tsb but have yet got no reply. Anyone got the email address for them? Wish i had done recorded delivery as i have lost £10 pounds now. The letter was posted 2 wks ago.

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Still not had anything back from Lloyds Tsb, so emailed them and they say they have not received the letter. So I have emailed them a copy of the original letter. Oh well, I'll just have to wait some more!

Did you send £10?

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I too have sent a dpa to lloyds tsb but have yet got no reply. Anyone got the email address for them? Wish i had done recorded delivery as i have lost £10 pounds now. The letter was posted 2 wks ago.

Why have you lost it? Did you send it cash?

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Sent Dpa to lloyds Tsb BX1 1LT which i now have learnt is a call centre, i got it off the online banking page it said any complaints should be sent here. I have tried to see if any1 could tell me if they recieved my letter but noone has a clue. I have now sent it recoreded delivery to my local bank, (another £10) this was yesterday, the manageress rang me today asking why i wanted the D.P.A and "had i something against any member of staff". I said i just want it for curioisty and thats all. After reading all posts now i realise i should have sent DPA somewere else to start with. But i am assured it is now being sent to the correct department. I love this forum as it could probably sling me a single dad who is strungling a life line. I reckon my charges over 6 years will be in excess of 6k.

 

Thanks people in advance for all help as you wouldn`t believe just how much you are helping.

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  • 3 weeks later...

Finally received my statements and lists of charges today, I haven't had chance to have a good look yet, but I will do tonight when kids are in bed. I'm looking forward to getting on to the next stage.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Right I have sent the Preliminary letter today by recorded delivery, I'm claiming £1427. I expect to receive the standard reply as most others have. 14 days and counting!!!

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi

Well I received the letter today (very quick reply!), standard letter like all the rest. Now do I still have to give them the 14 days or can I send the Letter Before Action straight away? I have read quite a few differing opinions on this.

Thanks in advance.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Yep loads of differing advice on this one...

 

my stance is wait!

 

You have nothing to lose by waiting and if you get to court (very unlikely) and can show you give them the alloted 14 to 'change their minds' then this will count in your favour.

 

I would prepare your LBA dated 9 May and have it sitting waiting to send. It is only just over a week away. Spend the time hugging yourself and feeling good that you should be receiving some of your hard earned cash back very soon!

 

LOULA

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  • 2 weeks later...

LBA sent today by recorded delivery, I notice there is quite a few of us sending one out around this time, it'll be interesting to see who gets a reply first.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 3 weeks later...

I dont know how much i can say but if it is anything to do with what i have just gone through i found that they seem to acknowledge your claim on the moneyclaim website then the following day you get a letter from them offering a refund.

 

 

 

If you find this info useful please click on the scales in the top right hand corner of the thread ;)

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  • Confused 1

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

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Paid In Full Cetelem £130 Settled

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PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

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I dont know how much i can say but if it is anything to do with what i have just gone through i found that they seem to acknowledge your claim on the moneyclaim website then the following day you get a letter from them offering a refund.

 

 

 

If you find this info useful please click on the scales in the top right hand corner of the thread ;)

 

Not my experience; I filed on 8 May 06, they acknowledged on 15 May 06 and I'm still waiting for a defence/questionnaire!

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  • 2 weeks later...

Lloyds TSB have acknowledged the claim on 7th June, they intend to defend all of the claim, so they have until 3 July (is that right, 28 days from 5th June when claim was served??) to file their defence.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 3 weeks later...

Just a quick update, well not really as nothing has happened yet, I have not received the defence from Lloyds TSB and they only have until Monday. Do you think there is any chance of them not entering a defence and me winning by default? I bet they are just keeping me waiting til the last minute.

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Given that over the last couple of days Martineau Johnson seem to have handed off claims for Seharchi Clark and Mitchell to do instead, I'm guessing both solicitors are probably very busy and yours may have slipped past them. They've effectively only got two days to get their defense through with the weekend... you could be in luck :)

  • Confused 1

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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