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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). We will charge you a maximum of one monthly fee in a monthly billing period. Daily fee Unplanned Overdraft balance is: less than £25 £6 a day £25 to £100 £15 a day more than £100 £20 a day Please note, an Unplanned Overdraft continues until it is repaid. So, at the start of any monthly billing period, if you still have an Unplanned Overdraft from the previous monthly billing period, you will incur a further monthly fee and up to another 10 daily fees (depending on when you pay it back). hope that makes sense
  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 invalidate the warranty if he looked inside they said no, but when he tried opening the case he couldnt open the last screw, so he took it back to the shop we bought it from. They opened it and found that fujitsu had in fact put a brand new motherboard into the machine and this was why the fan was catching and making the noise. They solved the problem but only by screwing one of the screws into the fan holder. The second machine has just gone back for a similar fault with the power connector. i would like to know if i can ask for my money back as neither of the machines has actually worked for more than a few weeks at a time and the warrantly runs out shortly and i dont want to be left with two machines that are useless i paid a total of £850 thank you
  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 depopsit has been made i will be pressing that donate button
  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 depopsit has been made i will be pressing that donate button
  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 His Honour Judge K*** QC. 3) Because this Order has been made by the Court without considering representation from all parties, the parties have the right to apply to have the order set aside, varied or stayed. A party wishing to do make an application must send or deliver the appllication to court (together with the appropriate fee) to arrive within seven days of service of this Order that is i understand it isthe order but there was then some more paperwork which i will also copy here 15th March 2007 The above mentioned case to which you or your client apears to be a party is one of a number of cases of a similar nature listed in the enclosed schedule. All of these cases involve the same or similar points. The claimant seeks the return of moneys deducted from accounts with the defendant bank by way of bank charges. The issue between the parties varies slightly from case to case but essentially involve the question whether the deduction was unauthorised, excessive and/or unreasonable in amount, amounted to a penalty or was otherwise unlawful or wrongfulought (and can) accordingly be repaid. Owing to this common ground and th their perceived importance, these cases (which have all recently been started in or transferred to Leeds County Court) have all subsequently been ordered (by Judge SP G******, the Leeds Civil Designated Judge) to be further transferred to the High Court Queen's Bench Division (Mercantile Court). The caseswill , however, remain in, and be dealt with by this, the Leeds District Registry. It is thought (as may be seen from the enclosed schedule) the some of these cases may have recently been settled and if yours is one of them it would be appreciated if you could write and confirm this. H H Judge Roger K*** QC, as a judge of the Mercantile Court, has directed taht all of these cases be listed for an initial directions hearing in accordance with Part 59 of the civil proceedure rules and Mercantile court practice direction. In this context you may also, if not already familiar with it, find the Mercantile Court guide for the Leeds Mercantile Court useful. A copy maybe downloaded from the court services website: Her Majesty's Courts Service - Home . This directions hearing will take place on 26th April 2007 at 10.30am before His Honour Judge K*** at Leeds County Court, 1 Oxford Row Leeds LS1 3BG. In view of the number of cases involved a half day has been allocated. No later then seven days prior to that hearing a completed Case Management Information Sheet in accordance with CPR 59 should be filed with the court. (if you have access to the internet log on to the above address, click onto civil Proceedure rules. This will open a new window, click onto rules and practice directions, if you click on 51-60 this will bring you to part 59. If you click on this it will bring you to Mercantile practice direction. Click on annex A and you will find the Case Management Information Sheet) If you do not have access to the interent, you can contact the Court and it can be posted out. The Judge asked me to point out that amongst the directions that may be given or considered is the allocation of the cases to the multi-track (in accordance with CPR59) but it may also be appropriate to consider orders for consolidation and directions aimed at selecting which is most appropriate lead, sample or test case. Consideration may also be given to whether it is appropriate to treat this as a group litigation to which the provision of CPR Part 19 apply. hope that helps you but it seems identical to the one Donbracho received did ask about phoning solicitors as i didnt send a schedule with my AQ nor did i send it recorded delivery to them and as i hadnt heard anything maybe they didnt get it anyone have any thoughts or suggestions? but seems like we are all on the last leg and should be in our money sooner rather than later in the next 4 weeks or so in fact good luck everyone not that we are going to need it
  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 abouts think they are going to quibble over about £150 due to the claim taking so long to get to MCOL due to them taking increasing amounts of charges DonBracho if you want to send me a message about your girlfrinds date in Mercantile we could maybe join forces
  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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