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owethebank

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  1. ok, thanks it will go in the morning...not sure how our friendly hull judge will see it though. fingers crossed, i'll keep you posted. just on a side note, if the banks win the test case, will that give them the right to claim back what they have paid out? if they win it says that every court has got the law wrong surely that cant be?
  2. hmmmm...with the test case ongoing should i hang onto my claim? there dont seem alot of point sending it in atm. does this affect c/cards too? that was gonna be my next card after the current account charges. tia
  3. claim ready to go, how long do i have to put my court bundle together before a date is normally set? tia
  4. thanks, claim form almost ready to go, ill keep you updated
  5. thanks again nic for your speedy reply. think ive got my wire crossed with the overdraft interest and the s.69 if i just add the charges and the 8% and the court cost total, that will get the claim underway?
  6. hi, ive got my fingers crossed here im hoping for a swift answer, ok, im filling in my claim form, on the bottom of page 1, there are some boxes with defendants name and address, amount claimed,court fee, solicitors costs, and total amount. im guessing i leave these blank? also on page2, the statment of truth. asks for solicitors details, again im guessing i leave this blank. also again, sorry! we still owe lloyds tsb around a thousand pounds which were chipping away at a few quid a week, i'd like to settle this debt out of the claim money if, no when we win the charges back. do i need to state this on the claim form in the particulars of claim section, or just state we would require a cheque and the account will be settled afterwards? last one, for now! do i need to add the interest under the county courts act s.69? or can i just add the 8% and get the claim going, my head already hurts and more interest might just pop it. tia
  7. ive just found it on the hmcs website
  8. thank you, thats what i needed to know, you know whats coming next, how do i find out what the court fee will be?
  9. yes i read it, ill rephrase it, can someone advise me what to do next please. tia
  10. thanks thats great. so now i send in the claim form, does anything go with it? (covering letter?) can anyone answer my q's in the previous post about legal rep and cost please. thanks
  11. hello again, more than two weeks have passed since i sent my lba, ive checked through the tracker and the letter was signed for, and ive heard nothing. what should be my next step? re-send the lba or fill in the claim form? this is obviously going to go to court now as lloyds will be relishing the thought that we live in Hull, where recently a judge threw out similar claims. so will we need a legal representitive? and how much will it cost to make a claim? just incase i get the same judge? we feel like we may be getting a little out of our depth here, bitten off more than we can chew so to speak. tia
  12. thanks for two swift replies, ill get the letter off in the morning
  13. hi again, ive received a reply from tsb, to my preliminary request for refund letter. i would think its a standard letter saying they are sorry to learn that we have cause for complaint!! they are investigating the complaint and expect to complete it within four weeks. also attached was a letter headed "voicing your concerns" which was basically a load of waffle. so after two weeks should i send in the letter before action? or wait the four weeks, and this time do i add on the interest (8%) thanks in advance
  14. thanks for the speedy reply barty, so its just the letter and spreadsheet no 8% or apr to be added yet? tia
  15. hi again, right ive written the preliminary request for refund letter, typed out all the charges onto the simple spread sheet, provided by the site, this also calculated the 8% interest. checked it, double checked it, triple checked it. have i got it right? prelim letter and spread sheet? anything else i need to add? tia
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