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bcbarton113

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  1. Thank you I did take all of the toll out of setting up a court bundle
  2. I have accepted the offer to settle my claim out if court for the full amount which i was claiming but i do need to find a template letter to notify the court that lloyds have paid up and i no longer need to persue the case if anyone could provide a lik it would be appreciated
  3. the letter which you gave a link to was for a barclays customer have people with a lloyds account have the same response from the same letter
  4. Do you think i ought to reject as this is the full amount i was claiming from them.
  5. Hi everyone good news i think. Recieved a letter today when i got home from [problem] stating that they have recieved a copy of the proceedings that i have issued against thier client from northhampton county court.basically reading that my claim for repayment of these fee's is misconcieved(2nd page into a 3 page letter). at this point i wasn't to hopefull thinking that i was going to have to take my claim all the way to my local county court. Then when i got to the third page it read that without prejudice to the position set out above that lloyds are willing to pay me the £2911.14 in total (full amount of my claim) so long as i am a good lad in the future with my banking and to call my local branch to arrange a meeting to discuss a review of my account which may be benificial to me. all i need to do is ring the billericay branch manager to accept, and sign and date [problem]'s letter and return it within 14 days the money will then be credited into my account. any suggestions!
  6. Its been almost a month now since i was notified that my claim had been transferred to dudley county court and i haven't heard anything since how long does it take before the court get intouch to give me a date of hearing
  7. we're back on northhampton court have just sent me a notice of transfer of proceedings, stating that. a deffence to this claim has been filed the claim has been transferred covering the area where i the claimant lives. Please read the accompanying documents carefully (and crossed out) and note that the allocation questionaire should be returned to the dudley crown court. The deffence reads basically that when i took out the account i aggreed o the charges which i am claiming for and i get many free services from the bank ie. cheques, bank statements, direct debit, debit cards and atm facilities and there are normally no charges for these services There is no breach of contract; the charge cannot therefore be a penalty, consiquently there is no requirment that the charge be a pre estimate of the banks loss The customer is given advanced warning of charges being impossed,customers are warned by letter The charges are fair and reasonable, and it is denied that they are unlawful. So now as i have no allocations questionaire to complete what do i do. Do i wait to hear from my local court or contact them.
  8. Hi there An update on my mcol after my claim being acknowleged during the first 14 days then 21 days into the 28 Lloyds have filed a defence. I havent sent in any documents to lloyds solicitors should i have done so by now? or do i wait until i get notification through the post? Plus when my claim was acknowledged i recieved a letter within 2-3 days notifying me but it has been almost a week now since Lloyds filed a defence and i haven't recieved anything through the post, how long should i wait before calling the court?
  9. Hi there CAG Just checked on the progress of my MCOL and lloyds have acknowledged my claim and i now have to wait 28 days from the date i served my claim against them to my calculations this takes us up to the 8th of may do i have to do anything or just wait until that date. is this where i need to fill in an allocations questionaire if so is there a link to give me an idea of what to include?
  10. Thanks Nicsusex I Hope So
  11. Thanks Guidot Recieved a letter from lloyds today when i returned home,it read. Thanks for getting in touch blah blah! like any buiseness blah blah! i do hope you can see we make our charging system as fair as possible ! i hope this letter fully answers the points you raised with us if we cannot come to an agreement, i will provide you with details of the Financial ombudsman service. If i have not heard from you by 22/05/07 i will close my file,though of course i will reopen it should you come back at any point in the future. Yours sincerely Patricia Oehme :rolleyes: Now What:rolleyes: (ignore this letter as they will here from the court in the meantime)
  12. Thank you GUIDOT i'll do that right away also the 14 days waiting for lloyds to file a defence does it include weekends and bank holidays your responce is appreciated cheers
  13. Hi CAG this is my first posting on here upuntil now i have been using the moneysavigexpert site which i cannot knock as up to now i have no faults with, sent off my two letters to lloyds requesting that my charges be refunded and had a reply from the second stating that they are sorry that i have a cause to make a complaint and that they would look into this matter, though it could take 4-6 weeks for a reply. In the forum on moneysavingepert i was advised to continue with my claim and sent off my LBA with no response i then logged into MCOL on the 4/4/07 and started proceedings against lloyds. The POC i attached were The Claimant has an account ******** with the Defendant 1. Between 01/07/2002 and 19/02/2007 the Defendant debited numerous charges from the Claimant?s account. 2. The charges are an unfair penalty under the Unfair Terms in Consumer Contracts Regulations 1999, because they are a disproportionately high sum in compensation compared to the cost of the purported breach. 3. Under the law of penalties, the charges are an unlawful ?extravagant? penalty. 4. Under the County Courts Act, the claimant is entitled to interest of 8% per annum from the date they were deprived of the money. This totals £454.14, accruing at the daily rate of 0.021% until judgment or payment. 5. The Claimant asks the court to enter judgment in their favour for £2237 plus interest, totaling £2691.14. My Start date for the claim is for the 5/4/07 and i believe i need to give lloyds 14 to respond. So this is where im at, thought i would give CAG community an insight as to where i am in my claim although moneysavingexpert has been great upto yet i do think that CAG is more educational to the whole process so i think i'll be using CAG from now on. P.S Does my claim look ok as i have not added a schedual to MCOL Though my bank did recieve these particullars in my first letter to them, coinsidentally i sent all my letters by recorded delivery and checked to see if they had been recieved Thank you.
  14. Hi CAG this is my first posting on here upuntil now i have been using the moneysavigexpert site which i cannot knock as up to now i have no faults with, sent off my two letters to lloyds requesting that my charges be refunded and had a reply from the second stating that they are sorry that i have a cause to make a complaint and that they would look into this matter, though it could take 4-6 weeks for a reply. In the forum on moneysavingepert i was advised to continue with my claim and sent off my LBA with no response i then logged into MCOL on the 4/4/07 and started proceedings against lloyds. The POC i attached were The Claimant has an account ******** with the Defendant 1. Between 01/07/2002 and 19/02/2007 the Defendant debited numerous charges from the Claimant?s account. 2. The charges are an unfair penalty under the Unfair Terms in Consumer Contracts Regulations 1999, because they are a disproportionately high sum in compensation compared to the cost of the purported breach. 3. Under the law of penalties, the charges are an unlawful ?extravagant? penalty. 4. Under the County Courts Act, the claimant is entitled to interest of 8% per annum from the date they were deprived of the money. This totals £454.14, accruing at the daily rate of 0.021% until judgment or payment. 5. The Claimant asks the court to enter judgment in their favour for £2237 plus interest, totaling £2691.14. My Start date for the claim is for the 5/4/07 and i believe i need to give lloyds 14 to respond. So this is where im at, thought i would give CAG community an insight as to where i am in my claim although moneysavingexpert has been great upto yet i do think that CAG is more educational to the whole process so i think i'll be using CAG from now on. P.S Does my claim look ok as i have not added a schedual to MCOL Though my bank did recieve these particullars in my first letter to them, coinsidentally i sent all my letters by recorded delivery and checked to see if they had been recieved Thank you.
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