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RTWMan

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About RTWMan

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  1. Hi Iozzzy What I believed had happened in my case was that LTSB had been granted a stay but that the judge lifted the stay after he read my letter telling him how naughty LTSB had been: The Defendant may seek to rely upon a ‘waiver’ obtained from the OFT and apply to have this claim adjourned pending the outcome of another case. However, the Defendant has chosen to issue an Enforcement Notice under Section 76(1) of the Consumer Credit Act 1974 demanding payment of £x which is a lesser amount than the amount I am claiming in this matter (a copy of the Notice is attached hereto). Shou
  2. LTSB obtained the usual Stay Order back in January I then wrote to the Court and asked to have the Stay Order lifted due to the behaviour of the Defendant - LTSB had continued to pile on the charges and issued an Enforcement Notice under Section 76(1) of the Consumer Credit Act 1974 demanding payment of £900 which is a lesser amount than the amount I am claiming. I also applied to have Schedule 2 to my claim amended to include the charges added after I issued proceedings. I have received a Skeleton Argument from SC&M (see my post http://www.consumeractiongroup.co.uk/forum/lloyds-
  3. Hi freakyleaky There does seem to be a bit of confusion! The stay was set aside but LTSB are contesting this. I have a 'case management' and hearing of my application to amend Schedule 2 of my claim on 18 April. LTSB intend to use this opportunity to re-instate the stay order (see Skeleton Argument for the Defendant in my original post). I have two questions: 1. Can they bring up the stay order when it is not listed on the N24 for 18 April 2. What grounds have I got to oppose the re-instatement of the stay So far it appears that LTSB have contravened the Banking Code an
  4. Hi Can someone explain exactly when an account becomes 'in dispute'? I ask this because LTSB added significant charges to my account after I had sent the LBA (and if I remember correctly) after I had filed the court case.
  5. I have commenced proceedings in the Smal Claims Court and LTSB applied for a stay which was granted. I then wrote to the Court Manager in the following terms: The Defendant may seek to rely upon a ‘waiver’ obtained from the OFT and apply to have this claim adjourned pending the outcome of another case. However, the Defendant has chosen to issue an Enforcement Notice under Section 76(1) of the Consumer Credit Act 1974 demanding payment of £935.68 which is a lesser amount than the amount I am claiming in this matter (a copy of the Notice is attached hereto). Should the Defendant make s
  6. My reply to ncci may help: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/138451-bank-charges-please-help.html
  7. Seems to be a lot of this going on - see my reply to ncci: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/138451-bank-charges-please-help.html
  8. Lloyds TSB did the same (or something very similar) to me but that was after I had started the legal process rolling. I submitted a Small Claims Court claim, they asked for the action to be stayed, the judge agreed, I wrote to the judge (maybe I should have made a formal application but anyway the letter worked) and the judge rescinded the stay order! I said that LTSB had acted contrary to the spirit of the OFT/FSA guidance. We are in Court this week to review the case and the stay order. My advice would be to start a Small Claims action asap. I doubt that anything else will stop LTSB. Goo
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