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Pete Finlay

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Everything posted by Pete Finlay

  1. Hi there, and thanks for replying. The 'outstanding debts' are the usual suspects - mortgage and credit cards. Not a blemish on any of those accounts, no late payments etc. As far as the credit cards are concerned I owe about 30% of my total credit limit, which apparently is looked upon favourably as it is below the 50% that a lot of potential lenders consider the maximum. All three credit reports now have the Orange default totally removed; with CallCredit the rating is 'Average',; with Equifax it is 'Very Good', and with Experian it is 'Excellent'. When the Orange Default was
  2. Hi everyone; I had an account with Orange for a mobile phone which was well past it's contract date. Last year, in May 2011, I cancelled the account with Orange and transferred the phone number to O2. I was told by Orange at the time that my account was closed and I did not owe Orange anything. I have not received ANY correspondence from Orange since that date about any final or overdue payments. Over the last eight months since June 2011 we have been trying to restructure our outstanding debt. We have also tried to arrange a new mortgage on our property. All such attempts were m
  3. Afternoon; Not really an option. We plan on selling up down here in the South East, moving to Scotland, buying a plot of land, and building our own house. Alliance & Leicester don't get involved in Self Build Mortgages, but that wouldn't be a problem as there are specialist organisations that offer draw down mortgages for people building their own houses. Thanks for your input anyway. It looks increasingly likely that A&L won't budge, which is fine because the chances are we won't complete until after the Early Redemption Period finishes with them. regards,
  4. Afternoon all Our Mortgate is a 3 year fixed rate with Alliance & Leicester, the 3 years of which are up on 15th March 2010, after which it revert to standard variable rate. The Early Redemption Charge is 3% of the mortgage if redeemed anytime before 15th March 2010. Due to a change in personal circumstances we are now selling our home. I advised A & L of this and asked that if I redeemed my mortgage before 15th March 2010, would I still be liable for the full 3%. They replied that I would. I then wrote and asked that if I redeemeed before 15th March 2010, provided I paid t
  5. Morning all; Brief history: Initial letters off to Lloyds 19th May All f**k off letters received from Lloyds by 2nd June Action filed in Court 14th July SC&M acknowledged 24th July Defence received 23rd August AQ sent off by end of August Stay ordered by Judge 11th October 4 letters and 4 phone calls made to SC&M during the stay, all of which resulted in absolutely no response. Letter to Judge on 14th October detailing the steps taken by us to reach a settlement, and the response from the defendant
  6. Further to me writing a letter to the District Judge who ordered a stay until 11th November in order for the parties to reach settlement, I have received a reply from the Court Claims Section: "I am in receipt of your letter dated 13th October 2006. If at the end of the stay a settlement has not been reached, you may write to the Judge explaining the situation and the file can be referred to the Judge for directions." So although our AQ was sent off at the end of August, followed 2 weeks later by the AQ from SC&M, it has taken the Court over a month to decide that they will
  7. Hi everyone; AQ sent off over a month ago, and nothing heard ...... ....until Friday when we received a letter from the District Judge who had ordered a stay to allow a settlement to be reached, by 11th November. Considering I've contacted SC&M twice times by letter and three times by phone asking if their clients wishes to enter any form of dialogue, AND have been ignored after every attempt, I personally do not see what effect this stay will have. I have written to SC&M pointing out that the ball's in their court (no pun intended) and that I will write to the Dist
  8. Unfortunately not .... I was calling on my mobile in the car. Not driving, of course.
  9. I received a copy of Lloyd's AQ a week or so ago, and they had also ticked the box to request a stay for a month. When I phoned SC&M, the lady I spoke to said that it was standard for them to tick that box. When I asked her if that was so Lloyds could have an extra month for them to negotiate or settle, she said, "No, it's just standard that we tick the box". She then went on to say that "...Lloyds always like to settle these cases before they get to court" Straight from the horses mouth, as it were.
  10. Morning; in reply to your message: the best advice I can give is to check out the Library on this forum - it is an excellent source of information, guidance and help. In particular concerning S.A.R.s, it says: The request is not valid until it is properly received at the bank and is accompanied by the maximum statutory payment of £10. You should ensure that the bank has all the information about you which it needs to identify you in it's records and also to be satisfied that it is you who is requesting the data disclosure. If the request is incomplete in any way then the
  11. Hi everyone. We started proceedings against Lloyds several months ago. Received their (standard) defence. We filed our Allocation Questionnaire on 25th August, well before the deadline of 11th September, and we sent a letter to SC&M in Brighton the same day (25th August) with a copy of our completed AQ "out of courtesy". Received a letter today (27th September) from SC&M with Lloyds AQ, and asking if we could send them a copy of our AQ. Rang SC&M not 30 minutes ago, and they confirmed that they had, in fact, received our AQ a month ago. They also confirmed that they had
  12. When we received our Allocation Questionnaire, we had to file it by 11th September. The last date for filing the AQ was 11th September (today). Our form was sent off a week ago, and the court has received it. However, when I rang the court today they told me that the defence (Lloyds) had NOT filed their AQ by the cut off day - today. What has surprised me is that when I asked what would now happen, the Clerk told me the file would be passed to the judge at the end of this week, and he would probably look at the file at the end of NEXT week i.e. 11 days after the cut off date for retu
  13. Hi all; the thread title says it all really. Does anybody know of anyone who has taken an action out against Lloyds, or any other bank, that has ended up in front of a Judge? I believe that there was one case (last year?) that was thrown out or dismissed in London (at the Merchantile Court?) on a technicality, but I am interested if there have been any more. There was mention on another thread on this forum that one forum member had been told by the Court that they were waiting on the results of a case that is either being heard, or is due to be heard, but I can't find any mention
  14. We received the AQ and Lloyd's defence about a week after they filed their defence (on the last day they were allowed to!). Our AQ was sent back within a couple of days, and we also sent a letter off to Lloyd's solicitors with a copy of our AQ to let them know (out of courtesy) when we couldn't attend Court in September. This has also (we hope) instigated a dialogue with the solicitors in order that they can maybe come to their senses and start negotiating before it gets anywhere near the Courtroom. Hang in there, they (Lloyds and the solicitors) will generally try and drag it out a
  15. Hi after giving it some thought, I am going to send a letter to SC&M as follows: Please find enclosed a copy of the Allocation Questionnaire I recently submitted as the Claimant to Hastings County Court in respect of claim number 6HS01505 against your clients, Lloyds Tsb Bank Plc. I have copied this to you as a courtesy in order for you to be aware of a short period in September when I will not be able to attend court. I am sure that the court will notify you, but I thought you would appreciate the information as soon as possible. You will notice that I have specific
  16. Hi Isiris, and thanks for the reply. I will wait and see what happens. Some people on the site have sent letters to SC&M when their AQ and Lloyd's defence have been received and enclosing a copy of the AQ for the solicitor's reference and stating that they see no need for a 1 month extension. I think what you are doing is opening up a dialogue with the solicitor's to see if they come back with an offer. regards to all
  17. Hi there; we received the AQ and Lloyd's pathetic defence this morning. The AQ was filled in, but I am wondering if now is a good time to send SC&M a copy of my AQ "out of courtesy", and state that we are fully prepared to go to Court unless our claim is met in full. In other words, having received the AW and Lloyds defence, should I now initiate contact with their solicitors? All replies gratefully received! 17th July 2006 - Small Claims Court action filed 20th July 2006 - Claim deemed to have been served 24th July 2006 - Defendent filed an Acknowledgment of Servi
  18. Hi everyone; Just received the Defence from SCM on behalf of LLoyds. Appears to be the bog standard one: Claim No. 6 HS 01505 IN THE HASTINGS COUNTY COURT BETWEEN: Mr Christopher James Finlay Claimant and LLOYDS TSB BANK PLC Defendant --------- DEFENCE --------- 1. The Defendant Lloyds TSB Bank plc (the Bank) is a bank is a bank (note: 1 point off for repetition - you would think that solicitors would know better!) whose registered office is 25 Gresham Street, London, EC2V 7HN. It is admitted that the Claimant has been a customer of the Bank a
  19. Hi everyone. Brief synopsis: My 25 year old son Chris had been hammered for overdraft charges over the last 4 years. Total charges £830, plus calculated interest of £196.71. Lloyds wouldn't increase his agreed overdraft amount (currently £210) as a result of their charges keeping him permanently overdrawn. We followed all the excellent advice and guidance on this site, sent Lloyds letters containing the full list of contested charges etc. 17th July 2006 - Small Claims Court action filed 20th July 2006 - Claim deemed to have been served 24th July 2006 - Defendent filed an Acknow
  20. I have just registered on the forum on behalf of my son. He's 25, relatively low paid, and for the last 4 years or so has been hammered by Lloyds in charges to the tune of about £800. He get's very depressed about it, because he can see no way out of it. This morning he was charge another £30 for being about £4 over his overdraft limit. A vicious circle. We've received the statements from Lloyds, calculated the amount, written them two or three letters demanding reimbursement, and received condescending replies. Today I'm filling in the County Court forms. He's got nothing to lose -
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