Hi Guys

Update :

Sent back the cheque asked for it to be changed to another name ,

took 10 days but Bingo its in the bank now .

Many thanks ims xx

Tonks

Hi Marty

Sorry to hear this , I to lost my case and ended up with a charging order , my debt is about

the same amount as yours, or was until yet another £265.00 added for the CO costs, I am

paying £100.00 per month and the DJ said it was too long a time for Lloyds to wait

for their money , yet you hear of people paying just £1.00 per month .

Anyway its over no more sleepless nights over this one, did you have a forthwith judgement

or have they agreed to an Instalment plan , best to pay asap your first months payment .

Regards

Tonks

Hi cym , Andy & Slick

Well what a waste of time and money

CO granted,

DJ same as before, d

idnt see why I should take 8 years to pay off a debt to Lloyds ,

regarding the N245 he said that I should apply to the courts for my money back as it didnt get heard and he as a DJ is seperate from the court and has no hand in the matter ,

I did question why HE had agreed to a ICO on the 15th Nov when I had applied for a Vareration Order N245 on the 18th Oct

he replied well thats because Lloyds didnt respond !!!!!!!!

have got a Forthwith Order with a restriction that Lloyds cannot go for the sale unless I dont pay the £100.00 a month.

Now I must wait for the FOS to determine the mis sold PPI issue.

Thanks for your continued support guys

A very unhappy Tonks

Oh and the Rep from Lloyds was the same as last time

he was given no defence from **** so when we went in the DJ said do you have Mrs Tonks defence to which he replied no Your Honour so we then had to go out again for him to look at it ,

what a shambles

Hi Andy

HNY Hope you are well ,

I have just called the Court they say Lloyds have been sent N245 but not responded

and for me to bring it up with the DJ next week which of course I shall its in my defence

anyway so hopfully DJ will read that before I get in the room

Also called FOS and they will be working on the case next week so again all in the waiting

game .

I am going to study over the weekend other CO cases , just hope I dont get the same DJ

or it will be game over for me !

Thanks for your time

Tonks

Update ;

Having been to court for the SJ and lost miserably ,

went on a Friday afternoon back in Oct

the DJ was not listening to me and was just hell bent on getting home ,

he thought that my claim for the mis-sold PPI was ok because I could have canceled it within the 30 days

so promptly awarded judgement to claimant forthwith .

That was on the 7th

I received the Order on the 14th

then applied a N245 for Variation of Order to monthly Instalments ,

I filled in the I/E sheet on the N245 and also sent copies of my business accounts with an offer of £100.00 per month on the 18th

I hand delivered it to the Court and paid the fee .

I heard nothing

then called the Court to see what was happening

they said it had been sent to Lloyds on the 30th Oct

and that they then had three weeks to reply ,

well as usual heard nothing from them so I sent a cheque for Nov payment on the 28th ,

next thing I know they send an ICO

which was granted on the 15th Nov

and guess what it was the same DJ who awarded judgement!!

In the meantime I have sent the whole PPI counterclaim off to the Ombudsman

I now have a referance No and will call them tomorow,

in my Defence to the CO I have stated that if my claim is upheld I shall

apply for a set aside of the CCJ .

I have made three payments for £100.00 each of which I can not really afford .

The total of mis-sold PPI which should be paid back is in excess of £6k

the total debt was roughly £10k with costs added .

My main moan is why pay a fee for a Variation Order if no one bothers to look at it ,

the DJ should have been aware that it had been applied for before agreeing to the ICO ,

and of course Lloyds never bother to reply to anything

so I now have to go back to Court next week to fight this one off

hope I dont get the same DJ !

Any advice or pointer in the right direction much appreciated

Thanks for looking

Tonks

Thanks ims

will do xx

Evening

Update :

Got the cheque today sent it to the bank only to find it is made out to

Mrs Tonka ONLY , now I have only one account which is a business account

and because its in both mine and Mr Tonkas name the bank will not except the

cheque,

I tried to ring the bank from which the cheque was issued but you have to enter a card

number , so it looks as if I will have to send it back and ask for it to be paid into the account

think I will get Mr Tonka to give his consent to pay it into our joint account .

To say im *issed off is an understatement

Tonks

Thanks ims

That is what I have done so im not going round the bend !

You are a wizz thanks for your time

Tonks

Hi ims

the agreement is in post 1

Thanks x

Hi

I am really having difficulty getting my head round the soc sheet , have entered all payments

and i cant see where the interest on the payments made come in ,got the 8% value but what

about the other interest paid .

I must be dumb or somthing anyone care to help xx

Tonks

ims : no have paid nothing since

greg: they cant say that as i signed first then sent it back for them

they signed four days later , the box needed a signature and it is blank.

Thanks for looking

Tonks

Hi ims

Thanks for that , when the loan got sold on R/W have written ever other week

for the last two years and still call weekly but im never in !

I shall read up and get the claim off , I have also got a CC with them so will do both

Many thanks for your valuble advice

Tonks

Hi

I have a Capital One Loan with PPI added I did not tick the box for it

but it was added as you will see from the CCA upload , I am selfemployed

Publican and the PPI would have been useless to me .

I do not understand how to claim back on a loan, if it was front loaded

or paid monthly .

I paid in total 24 payments until the business got into trouble back in 2008,

this loan was sold on in 2009 .

Start date 1st payment 22/12/2005 last payment 22/12/2007

06-01-2012 00;00;39.RTF

Thanks for looking

Tonks

Update

Had letter today complaint upheld

I sent the soc and letter R/D on the 14th Dec how quick was that , my advice to all get on with it

Im so pleased as I have a Vat Payment to pay , they say cheque will be sent in next 28 days .

Many thanks to ims who showed me the way

Tonks

Hi marty

You do need to attend court on the 23rd , this is for the summary judgment hearing , you will

need to take all your files on the case with you, and be prepared to put your case

forward to the DJ , you will be asked to give your side using your WS and defence

It will be in a small room with just yourself and SCM solicitor and the DJ .

Dress smart and be on time .

Good Luck x

Tonks

Quick update

Have received my ref number from FOS , they are on the case !

Tonks

Hello Guys

Wow what a response thanks to everyone for their input , I have downloaded the complaint form and will

fill it in tomorrow , do I just send it to fos or send a copy to Lloyds or both ?

Now Lloyds have decided to go for a ICO in Jan next year , this has made me determined to fight just

wish I had enough money to demand a appeal problem would be what if I came up against the same DJ !

Thanking you all and big thanks to ims for taking the time and effort to call the fos x

Tonks

Hi ims

many thanks for your patience , i have got so stressed out doing this but have gained so much

anyway hope this works

Cheers but i think its upside down OMG

Tonks

03-12-2011 01;37;23.PDF

yes ims

x

Hi ims

Ok so what is paint , and where do i get it ?

Dumb Tonks

Hello

I am going to claim back my PPI on several cards this one is a business card

could someone please help with what can be claimed , I dont understand all the

differant account charges .

The card was taken out in Jan 05 , the account was sold on in Jan 09 the OC has

no CCA .

02-12-2011 23;21;15.pdf

Any advice much appreciated

Thanks

Tonks

Hello

Well i think i might have done it this time fingers crossed

some more cals

Thanks for looking

Tonks (stressed)

02-12-2011 13;22;47.pdf

02-12-2011 14;26;25.pdf

02-12-2011 14;26;25.RTF

Hi

lets try this one first

Hi dx

I will post up as you say may take a while im not to good on the scanner thing

Thanks

Tonks

Hi ims

This is from the Order :

Summary Judgment awarded against the defendant

The defendantis ordered to pay claimants cost

The defendants counter claim is dismissed

Permission to the defendant to appeal on the grounds that in her case she was mis sold PPI

by the claimant is refused on the basis that the court is not satisfied that she has a real prospect

of success .

I am not a Novice at the court thing and could not believe the DJ would not listen to the counter claim

I am A selfemployed Landlady of a village PuB and signed an application flyer which was sent via post

It just stated get PPi to cover you if you can not pay ect no t/cs it was a pre approved flyer .

Well the claimant states that the PPI would pay out BUT I would have to have been Insolvent and have

Informed the IR ,that would mean to me no home no job , like if I knew this I would have signed up !

Now this card ran from 2004 up to 2008 , by my calulation the ppi & charges would wipe out 3/4 of the debt

Hope this helps

Thanks

Tonks