Hi Peter. The diffrence for me is that we are a LTD so that is not an option. However, I faxed them yesterday and got a stay of execution for 30 days whilst I find a business bank that is prepared to do me a deal. I have also spoken to folk higher up the ladder who were dismayed about how we have been handled - I just hope its the local business manager for the chop as she is quite a Matron. Have approached All/Leic as have a healthy pvt acc there. Any halp is always appreciated Rob

Hi Folks. Well this case certainly has some twists to it - rather like a good Miss Marple LOL. I will condense how it all happened and end by giving you the latest. 1. The 3 letters went out with no reply. 2. Applied Online Court Service. 3. Lloyds filed a defence to the obvious and also stating my plea was incorrect as business was noty covered under consumer law. 4. Waited for advice from Court - was moved to Leicester. waited for a hearing date. 5. 19th July, get a letter from Lloys saying it would cost them too much in litigation so they were prepared to settle in full out of court. Please confirm 6. I confirm (happy me) on the 20th. 7. Get a letter on the 22nd saying that they agreed and will deposit the funds within 7 days 8. Funds arrive in account on the 24th. (here's the funny bit) 9. 24th also, get a letter from the Court saying the case had been struck out as no case to prove. 10. 25th, I move funds to my parachute acc. (now the not so funny bit) 11. 31st Lloyds declare 30 days notice on closing the account. So you see, things don't allways turn out the way we expect. Now, if anyone knows of a friendly bank who is willing to open an account for the business with a £3K o/d facility, can you get in touch? I am going to appeal of course - the letter was very kurt and short with no explanation at all as to why. However, my para acc. is personal, not for business and as I am gonna be away from next week, I gotto run on this so any help would be gratefully appreciated. Cheers for Now Rob

Lloyds - success Now they close the account Hi All. Not sure where my last thread went so have to open a new one.. If a moderator can glue this to my last thread that would be great. Update: After claiming on the Business account, via the court which struck out the claim then Lloyds paid out the full (inc Interest) amount !!!!!, 5 days lter I have received a letter from the branch Business Manager that they intnd to close the account. As it is within the overdraft limit and has been well managed for a while, there seems no responsible reason why this should be. Can anyone offer me some advice this weekend as to what I should do on Monday ? I certainly don't have this sort of money lying around to settle the account. Helpfull comments would be appreciated - ie; can they legally do this? Regards Rob

Hi All. Not sure where my last thread went so have to open a new one.. If a moderator can glue this to my last thread that would be great. Update: After claiming on the Business account, via the court which struck out the claim then Lloyds paid out the full (inc Interest) amount !!!!!, 5 days lter I have received a letter from the branch Business Manager that they intnd to close the account. As it is within the overdraft limit and has been well managed for a while, there seems no responsible reason why this should be. Can anyone offer me some advice this weekend as to what I should do on Monday ? I certainly don't have this sort of money lying around to settle the account. Helpfull comments would be appreciated - ie; can they legally do this? Regards Rob

forgot to mench - off to vegas in 2 weeks - hummmmmm

Hi John. I thought that might be the case, was worth an ask tho. Meanwhile I WON! Corporate and Private against Lloyds. proves a point doesnt it. Will be interesting what comeos out of the courts with the OFT taking on the Banks - wonder if they want our help ? LOL Cheers Gonna celebrate this weekend with some Bolly I think ;-)

Hi Peter. When I say precedent, I meant just with my account - in otherwords, "lets not mess around with all the 14 days here, 14 days there, letters etc, just COUGH UP" LOL and yes, the lolly is already in the parachute acc BTW, did u see the news this evening ? seems the OFT are going to do something after all - perhaps I was fortunate just in time !! Have you read my other thread on how I got this far? - see below in similar threads. Rob

Question for Anyone: I had a Barclays account for many years which was closed when the Company was placed into liquidation. That was way back in 2002. I bet there's some whopping charges on that account from memory, is it worth claiming or as the Company is no longer a legal entity will that have died with the Company ? Rob

Hello everyone. This is funny. There's a right twist to this story - read on..... (the following copied from a thread laid yesterdayOriginally we applied via the HMCS but put in the wrong plea - one for consumer instead of corporate. The defendant put this in their defence. The case was referred to my local court and have been waiting for a hearing date. During the wait I had a letter from the defendant offering full and final settlement, 100% as it would cost too much in litigation. This I accepted and yesterday I had a letter from them confirming receipt of my agreement to their offer and the money woul hit the account within 7 days. Cool. WIN !!! ???? TODAY I get a letter from the Court saying that the Judge Blah has ordered that the claim is struck out on the basis of the original defendants defence. Now, what do I do? The date of the offer from Lloyds is 4 days before the date of notice from the court although the Judge made the decision 8 days PRIOR to the letter dated from the defendant. Which date is valid ? Is the offer letter from Lloyds still valid ? I have written to the court as requested by the defendant confirming an out of court settlement. Would I be right in thinking that as they have offered and I have accepted settlement out of court AND they have confirmed my acceptance BEFORE we received the Strike-Out notice from the court, they are still legally bound to refund?" NOW THINGS HAVE CHANGED::::: SUCCESS !! If you have read the above and my concerns, read this: The money was credited to my account this morning !! Now, unless I am totally mistaken, they can not take it out again without my authorisation ? I have also sent a letter to them thanking them for the refund on my private account but since that refund, have charged a further £250 which I have requested a refund for - now that a precedent has ben set and all that. Thanks to all who helped. Rob

Hi Peter and Everyone!! SUCCESS !! If you have read the above and my concerns, read this: The money was credited to my account this morning !! Now, unless I am totally mistaken, they can not take it out again without my authorisation ? I have also sent a letter to them thanking them for the refund on my private account but since that refund, have charged a further £250 which I have requested a refund for - now that a precedent has ben set and all that. Thanks to all who helped. Rob

Thanks for that Peter. Don't know whats happened to Martin and the others - have deserted me am not holding my breath until I see the um firmly in my account - THEN I willpost a message. Not wanting to sound smug but I think I got this one on the skin of my pants. The Judge was right but saved me from amending my plea. All I need now to do is keep the account within the limits and hopefully wont have to do this again. On my personal account, they gave me 80% of the claim back B4 court but have since charged a further £250 so I have politely asked that having set a precedent, until they change their pricing policy I request these charges returned. Bugges charged £60 for going ove 0.19p on one occasion !!

what does Bump mean?

Hi All. Have decided to open a new thread as my case has taken an interesting turn. Originally we applied via the HMCS but put in the wrong plea - one for consumer instead of corporate. The defendant put this in their defence. The case was referred to my local court and have been waiting for a hearing date. During the wait I had a letter from the defendant offering full and final settlement, 100% as it would cost too much in litigation. This I accepted and yesterday I had a letter from them confirming receipt of my agreement to their offer and the money woul hit the account within 7 days. Cool. WIN !!! ???? TODAY I get a letter from the Court saying that the Judge Blah has ordered that the claim is struck out on the basis of the original defendants defence. Now, what do I do? The date of the offer from Lloyds is 4 days before the date of notice from the court although the Judge made the decision 8 days PRIOR to the letter dated from the defendant. Which date is valid ? Is the offer letter from Lloyds still valid ? I have written to the court as requested by the defendant confirming an out of court settlement. Would I be right in thinking that as they have offered and I have accepted settlement out of court AND they have confirmed my acceptance BEFORE we received the Strike-Out notice from the court, they are still legally bound to refund? Your comments would be gratefully received. Rob Mids

Hi Nic. Not needing the addy anymore - or the court;) if you know what i mean?

Hi Folks. Am I to presume that if I receive a P&C letter from Lloyds stating "without Pred" then I cant reveal the contents on here any more than in court? or, is it only P&C and WP in court? (The contents would be positive for all readers on here.) Rob

Evening Helpers;) I have discovered my original POC which I would like to share with you. After reading this can you advise whether I need to use an N244 or let the thing flow? AND if I use an N244 do I have to submit a new N1 ? I realise I havent read all the docs on here Peter but I was thinking my wuestions would get a simple yes/no answer. Anyway, here we go: "The claimant refers to defailt charges applied to its account amounting to ****. The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% per year from **/**/** of **** and also interest at the same rate upto the date of judgement or earlier payment at a rate of 8%. The claimant wrote on the 24/04/07 about the intention to claim through the court. To date, no response has been received. This claim is based on the Unfair Terms in Consumer Contracts Regulations as the claimant believes these charges to be unfair. The defendant has already agreed ti pay back these charges on the claimants personal account so precedent has now been set." Comments duely welcome. Rob

Hi Pauline. There is one sure,safe and free way of working out your charges. If you have access to your Lloyds account online there is an option on the main page when logged on that gives you the chance to view charges only from 2002. Go to that section, select the first 3 month period and print it off. Do this for each 3 month period to the present day and get your calculator out.Tick on the printout those charges you wish to claim back, add them up and you have your legit figure. I wouldnt try to claim for charges falsley listed as it would be fraud and then we are no better than the people we are claiming from. With regard to others comments about MSE, we should not forget that the founder, Martin Lewis, has championed this issue and without him, many millions of pounds would not have been reclaimed. I am not saying that this site has not, just saying that MSE has a valid place in this issue. It is generally agreed that MSE is an easier site to navigate than this one tho.

Ok Guys! Thanks for merging the threads. Now I need your help in getting some order to this. You have probably guessed that the stage I am at is that I am waiting for a hearing date from my local County Court and my please was as if it were for a Private Account. So, I need to know: Do I need to alter my plea now or at the hearing ? and if so, how? Do I need to complete a new N1 ? Or an N244? Which Act am I applying under? Thats it basically. Look forward to hearing from you. Regs: Rob

Hi Guido. Have you managed to unravel and sort some sense out of my threads yet? Really not sure what to do now so your help woud be appreciated. Regards Rob

Oh, and ps, this particular thread was only asking for the registered office of Lloyds so perhaps when merging, they should all be merged ino the following thread being the most active and relevant ? http://www.consumeractiongroup.co.uk/forum/lloyds-bank/102360-business-account-lloyds-transfer.html

Guido. Hi. Thanks for that. The first link is the thread I laid yesterday and is most relevant. The next one is an intermediate thread which was a tidied up version of the next thread (In Court - need help) which I would ignore. The last thread (Corporate (Business)) was my first attempt and gives an outline. However, the first thing I need to know is what to do now. I spoke to the Court in Leicester yesterday who advised me that all the Bank reclaim cases have a backlog and was mine transferred from Northampton? yes I answered. "You will be informed when there is a hearing date allocated". OK Now, at this point in time, I entered a plea under the Consumer Act not realising there was a difference between personal and business banking. Lloyds in their defence have stated that too and wanted the claim to be struck off. Do I therefore need to re-start the claim using an N1 or do I ask for an amendment using N244 or do I just wait and see what the Judge says? Or is there something else I need to do? Thanks Rob

Hi Nic. Go to this thread, its clearer. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/101186-help-lloyds-business-account.html The above was a copy/paste effort and didnt go quite to plan. However, from the thread I laid yesterday I think we are advancing beyond the above.

Hi Guido. Nic is right but I couldnt find my other thread. At the moment, the case has been referred to Leicester County from Northampton County Court as I applied online via the HMCS. Lloyds submitted their defence within the given time period. However my original plea was as for a personal account but the claim is for a business account which is why I am being advised by this website to submit an N244 to amend the plea and the N1 being the amended ple. You dont think this is necessary ? Please advise:confused:

Ok, well guys, as I sent my original claim under the guise of a personal account, what do i do, just send the N244 and the £35?

Your'e too good Nic. BTW, hav you thought about this, I am now sending an N1 along with an N244 - is this me re-applying for the case? Do I have to pay the £120 again ?