Thanks Silverfox and esmerobbo, so he should not respond - just ignore.

My son lent his car to a friend and

he received a notification from Northamptonshire Parking Management.

My son spoke to his friend and said that he was driving at the time and agreed for his details to be sent to NPM,

he completed the Form and sent it off.

My son has today received a letter from Debt Recovery Plus Ltd with a demand for payment of £ 149.

It states that he needs to pay this before 31/01/2014 and that failure to do so will mean that they will recommend to the creditors solicitor that court action should be taken.

Clearly they have lost/ignored the details sent to them.

The alleged contravention is: No Permit - location Whitbread, College Street - The Drapery, Northampton, NN1 2ET.

Does he simply write back stating that he was not driving at the time and that their Form was completed

- giving details of the driver at the time or?

Any help much appreciated.

1.

The company I work for made me redundant and now says it plans to hold back on commission it owes me until the company says that it has been paid - the commission claims are for sales closed in Q1 2009. I have reason to doubt their integrity. Also there is nothing in my contract to say I have to wait for the company to get paid.

2.

The company has unilaterally stopped Private Health Insurance (for everyone) with no notice despite this forming part of my contract of employment (the cost to replace is @ £ 350 per month).

As these are both breaches of contract I want to use the quicker method and claim against them in the small claims court. Does anyone have relevant Claim letters and a Claim template please.

Many thanks.

Many thanks Tilly, is there a copy of the terms on this site or should I just take them from the Halifax site?

Does anyone know if a specific POC template has been drawn up for Halifax Credit Card claims?

There has been some marvellous work on the other ones - but not for Halifax. It's always good to work from a tried and tested one as opposed to a mix and match.

I had a similar mis-diagnosis on a back complaint and ended up suing and winning against the NHS for £ 1/4m (they settled earlier this year).

As part of our building and contents insurance we had legal cover thrown in - it was this through this cover that my concerns were passed onto solicitors who establised I had better than 50% chance of winning the claim - so they handled the claim at no cost to myself - and won (after 3 years).

It may be worth while initially checking policy documents to see if you have such cover in place - the cost of going it alone could be quite tough (medical reports, examinations, etc, etc).

Hope this is of some help.

I had a complaint and ended up suing and winning against the NHS for £ 1/4m (they settled earlier this year).

As part of our building and contents insurance we had legal cover thrown in - it was this through this cover that my concerns were passed onto solicitors who establised I had better than 50% chance of winning the claim - so they handled the claim at no cost to myself - and won (after 3 years).

It may be worth while initially checking policy documents to see if you have such cover in place - the cost of going it alone could be quite tough (medical reports, examinations, etc, etc).

Hope this is of some help.

I had a medical complaint and ended up suing and winning against the NHS for £ 1/4m (they settled earlier this year).

As part of our building and contents insurance we had legal cover thrown in - it was this through this cover that my concerns were passed onto solicitors who establised I had better than 50% chance of winning the claim - so they handled the claim at no cost to myself - and won (after 3 years).

It may be worth while initially checking policy documents to see if you have such cover in place - the cost of going it alone could be quite tough (medical reports, examinations, etc, etc).

Hope this is of some help.

I had a mis-diagnosis on a back complaint and ended up suing and winning against the NHS for £ 1/4m (they settled earlier this year).

As part of our building and contents insurance we had legal cover thrown in - it was this through this cover that my concerns were passed onto solicitors who establised I had better than 50% chance of winning the claim - so they handled the claim at no cost to myself - and won (after 3 years).

It may be worth while initially checking policy documents to see if you have such cover in place - the cost of going it alone could be quite tough (medical reports, examinations, etc, etc).

Hope this is of some help.

If you are thinking of claiming you may want to check if you have cover in place.

As part of building and contents insurance you often get legal cover thrown in - it was this through this cover that my concerns against the NHS were passed onto solicitors who establised I had better than 50% chance of winning a claim - so they handled the claim at no cost to myself - and won (after 3 years).

It may be worth while initially checking policy documents to see if you have such cover in place - the cost of going it alone could be quite tough (medical reports, examinations, etc, etc).

Hope this is of some help.

Hi Jase,

I had a similar mis-diagnosis on a back complaint and ended up suing and winning against the NHS for £ 1/4m (they settled earlier this year).

As part of our building and contents insurance we had legal cover thrown in - it was this through this cover that my concerns were passed onto solicitors who establised I had better than 50% chance of winning the claim - so they handled the claim at no cost to myself - and won (after 3 years).

It may be worth while initially checking policy documents to see if you have such cover in place - the cost of going it alone could be quite tough (medical reports, examinations, etc, etc).

Hope this is of some help.

(PS my building and contents cover was through Lloyds whom were kind enough to settle my bank charges a couple of months ago ;o))

Until the claim's settled you must follow the Court's instructions. The info's all on this site - http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

Follow the rules and you'll win, it just takes a bit longer than any of us would like.

Keep posting with updates - we're all with you.

Identical to what I've had with Lloyds/sc&m. It's the court dates that sc&m look at - they pay at the last possible minute. However, a fax is reasonably easy to send from most pc's - that's how I sent docuemnts to them. They paid mine and I'm sure they'll pay yours. Good luck.

Many thanks for the support ; Barty, Titch, Red, Christina, NIC and Stan. Just need to make my contribution to the site and then start on the Credit Cards and see if I can support anyone else.

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/59913-lloyds-tsb-charges-can-2.html#post999392

Claim number: 7QZ37421

Issued: 21st Mar 07

Court: Northampton

Charges: £ 3,275.00

Intr at 8% : £ 522.48

Costs: £ 120.00

Total Claim: £ 3,917.48

Settled 12/7/07

Pleased to say that Lloyds settled in full yesterday - with the exceptional help from the contributors to this site - thanks guys

That's great, thanks Stan

Hi,

I have finally got details on the Allocation to Small Claims Track hearing. I have until 11 July to file a schedule setting out the charges along with an explanation of the basis on which I am claiming. I spoke with the Court about the fact that I had accidentally duplicated one of the charges and the Court said they would send me a form to make an ammendment - I'm guessing an N244.

Q - Whilst filing the ammendment should I add the charges Lloyds have levied against me after I started the action against them? If so is there a particular form of words that I should use?

All help greatly appreciated.

Good idea, thanks Stan.

Thanks Barty, should I get my list of charges into the court or just wait for directions from the Court.

John

Just had this in attached to an Court Order

Order =

'It is Ordered that the filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise'

The following Defense is then attached:

1. The Defendant Lloyds TSB Bank plc ithe Bank) is a Bank whose registered office is 25 Greshan~ Street, London, ECZV 7HN. It 1s admitted that the Claimant has been a customer of the Bank at all material times.

2. By opening an account with the Bank, the customer enters i n t o a commercial arrangement w i t h the Bank f o r the provision of banking services. The bank is entitled, as part of that arrangement, to charge for those services. At account opening a customer is provided with details of the Banks charges, currently i n a leaflet a guide to our banking charges. By using the account, t h e customer acknowledges that the c h a r g e s are incorporated into the contract. For p e r s o n a l customers, a number of services are provided for f r e e , not withstanding t h a t they are an expense to t h e Bank. Such services presently include, but are not limited to, providing:

cheques

bank statements . . .. .

the facility to make payments direct debit and standing order

debit cards

ATMs (cash machines.)

3 . By maintaining the account in credit, or within any limit agreed with the Bank, the customer may avoid most if not all charges. If t h e customer f ails to ensure that there are sufficient cleared funds in the account to cover payments, whether by ; cheque, d e b i t card, standing order or d i r e c t d e b i t , the customer makes a request f o r a payment to be made from the bank’s own funds. If the Bank makes payment, or returns the payment, it provides a service as specified in the leaflet and makes a charge in accordance with the terms of the contract. On page 1 of the leaflet, the Bank explains that there are normally no charges for everyday banking at Lloyds TSB when your account in credit.

When you use an a g r ee d overdraft, there is no monthly fee and we only charge interest on the amount you are overdrawn each day. Where you go overdrawn without an agreement or where you use special services, such as copy statements, we will make a charge. This guide explains how these charges work, and when they w i l l apply.

4. There is na breach of contract: the charge cannot therefore be a penalty, consequently there is no requirement t h a t the charge be a pre-estimate of t h e Banks loss.

5. The customer is given advance warning of charges being imposed: statements show the charges, if any, the customer has incurred during the course of a month, and which will appear as debits on the following month’s statement, Customers are warned by letter when t h e y go overdrawn or over t h e i r agreed limit without arrangement with the bank. If the customer fails to remedy the position, and payments such as standing orders and direct debits are refused then again the customer is warned by letter.

6 . The charges are fair and reasonable, and it i s denied t h a t they are unlawful.

7. The customer is notified of the charges in plain intelligible language at the conclusion of the contract, and on each monthly statement. The charges are terms which relate to the price payable by the customer for a service provided by the Bank, and pursuant to regulation 6 of the Unfair Terms in Consumer Contracts Regulations 1999, and not subject to the assessment of fairness.

8. In the premises:

8.1 the charges are for banking services, and are not charges nor a penalty;

8.2 the bank is entitled by contract to impose the charges, which are fair and reasonable;

8.3 it is denied that the charges are unlawful or contravene any statute or regulation

9 The Claimant’s claim is denied in its entirety. It is further denied that the Claimant is entitled to the sum claimed or to any sum from the Bank.

========

Not the biggest point but bit of a cheek, I pay a monthly £ 15 bank fee on one account and £ 10 on the other!

Any help with a response much appreciated.

Thanks for the reassurance Gary. Should I send the corrected list to MCOL, send my original list (of charges) or just wait for directions?

Thanks again.

Unfortunately you can't add these on to this claim - will have to start the whole process again for these I'm afraid.

Not too worried about the new charges, just looking to ammend my mistake.

Thanks Stan, it's reasuring to see hear about so many victories - I'll have a check round the threads to see if I can find the ammendment procedure.

Just reading through the latest advise on MCOL and it suggested that I send copies of the calculations to the Northampton Court. Preparing to do this I noticed that I have duplicated a charge - the claim figure should be:

Charges £ 3215.00

Interest £ 522.62

Costs £ 120.00

Total Claim £ 3857.62

Lloyds have also made extra charges since the claim date.

I have not yet received Lloyds Defence - should I ammend or wait?

Any help appreciated.