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sparksgem

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About sparksgem

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  1. Just read the new terms and conditions for unplanned overdrafts from LloydsTSB instead of the maximum of £90 a month the charge can be as high as £200 for going £100+ plus a £15 there and then when you go over your limit which of course will tip you even further over your limit so even though they are stating they have reduced their unplanned overdraft fees they have in fact more than doubled them Monthly fee £15 You will pay this fee if you have an Unplanned Overdraft at any time during your monthly billing period (even if your next monthly billing period is only a few days away).
  2. neonron i didnt actually have to appear as LloydsTSB settled before i had to send anything back i rang the solicitors checking that they had got the copies of the AQ and schedule that i had sent them and they said no so i faxed them a copy and called again to make sure they had got it and they settled the whole amount including the amounts that were more than 6 years ago hope this helps
  3. thanks ukaviator i have already been successful against Lloyds so i know my way round it was just that it was my fault that i found myself in the position of not paying on time and then i couldnt afford it as the payments got higher and higher due to the charges so it is possible to try for them back? will send a SARs with a cheque when i am finished work this week thanks again
  4. i had a Capital One card a few years ago and due to a finacial mess i had got myself into (dirty divorce) i got myself behind in my payments and ended up defaulting and ended up paying around £800 when my credit limit was in fact only £250 any thoughts would be good thank you
  5. Just need a little help here bought the kids ex-display laptops for christmas and neither of them are really up to the job we bought them for (we explained to the shop who they were for and what they would be used for). One has been back to Fujitsu twice, the first time for a new hard drive as the original one had died (within 6 weeks of buying it) the second time for a faulty power connector and this time when we got it back, it made a horrible noise. When we rang the fujitsu help line we were told that as it wasnt a fault it would cost us £100 plus the repair, my partner asked if it would
  6. *****settled in full***** money in the bank havent even quibbled about the bits that were over 6 years off to press the donate button after i have posted this and once again thanks people keep up the good work sparks:D
  7. well having rung SCM yesterday to check on whether my AQ and schedule had arrived at the office and being informed it hadnt and asking me to fax the schedule to them ( also stated that hadnt had instruction from their client to settle- i never mentioned a settlement) which i did last night from work and thought i would check this morning and was told that they had been ordered to offer me a settlement which will be credited to my account in the next couple of days so it seems i have won thank you all for all the help and support you have given me over the last 6 months as soon as the depopsi
  8. well having rung SCM yesterday to check on whether my AQ and schedule had arrived at the office and being informed it hadnt and asking me to fax the schedule to them ( also stated that hadnt had instruction from their client to settle- i never mentioned a settlement) which i did last night from work and thought i would check this morning and was told that they had been ordered to offer me a settlement which will be credited to my account in the next couple of days so it seems i have won thank you all for all the help and support you have given me over the last 6 months as soon as the depopsi
  9. caro done and sent there is likely to be two copies as i sent from two different mail boxes for some reason it wouldnt post the first time
  10. caro have no scanner but will type the list and post to you if no one else has yet just let me know
  11. Calculator havent phoned them and when i thought about it i think i did send a schedule with the AQ but i am going to give them a call on monday just to see if it gives them a bit of a push daughter just got first flat and i could do with a bit of spare cash
  12. hi here is the letter i got from the mercantile court already posted it in my thread sparksgem in the lloydstsb forum In The High Court of Justice Claim no 7QZ09596 ORDER Queen's Bench Division in the Leeds District Registry Sparksgem claimant Lloyds TSB Bank PLC defendant on 23rd February 2007 His Honour Judge S P G******** sitting at the court house 1 Oxford Row Leeds considered the papers in the case and ordered that: 1) The claim is transferred to the Mercantile Court Leeds District Registry. 2) The claim is reserved for all purposes to H
  13. hi have been following some of the threads on here and it seems i should have sent a schedule when i sent my AQ to the solicitors could this be holding up the offer that i am sure is in the offing shortly seeing as i have a court date at the Leeds Mercantile Court along with at least another 28 people in April also i didnt send my copy of the Aq to them by recorded delivery should i give them a quick call and see if they received it? am beginning to get a little impatient now just want back what is mine the interest is racking up daily and my claim has increased by another £70 or there a
  14. calculator, thats me and 28 others up to press i am sure they will add more on as they did at the previous one in March i am hoping that Lloyds will cave in sooner rather than later especially after tonights Whistleblower programme
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