yes this is common delaying tactic by the bank if you have sentthe prelimary letter whcih gives them 14 days to resolve your complaint then the LBA which gives them another 14 days them issue your court claim thats the timetable to stick to not thiers

ah i think i know what you mean have read sticky somewhere about allocation questionaires being dispensed with ? http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html?highlight=allocation+questionaire http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html#post695176

i think its date claim is filed

hey up hope all is well just reread your thread did you have to submit a n244 form when you adjusted your charges schedule or did you just state on q4 of the cmi and supply new schedule ? just curious cause i have got my schedule of charges wrong and am thinking of doing that ?

yes you can send a letter to them saying accept as partial payment http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html excellent guide there

hey up there thats a bit vague aint it ! if you have a court date then you have sent off prelim and lba ? do you mean where to start with court bundles what to take along to court ? http://www.consumeractiongroup.co.uk/forum/hsbc-bank/97447-court-bundles-dummies.html is a good place to start

ah just re read my cca letter and it states plain and simple that and so i should just write back reminding them of that fact ?

hey up there thanks for the advice sent a CCA request .... i do not acknowledge this debt etc...with 1 pound postal order to BCW earlier in week received this reply from them today !! So they want money off me to halp them comply to the request fully ! should i just ignore them refute it or what ?

hey up its 6 years from the date of your originail claim

hey up purple silk i think based on what has gone on before you dont need a court bundle cause in essence this is just a directions hearing(?) .... but then again its best to be prepared fully especailly in light of the berwick case there is an excellent thread here to help http://www.consumeractiongroup.co.uk/forum/hsbc-bank/97447-court-bundles-dummies.html

hey up all no worries vital spark any advice is good advice !

no i shouldnt but then again if i were an expert i wouldnt be asking for advice would I ?

hey up calculator havent sent cmi sheet inyet just reviewing everything before we do so its not too late ey ! i will revise the CMI and send with the N244 as well just to on the safe side thanks again

aaaargh ! hello all have just checked over the schedule of charges fro my partner and have entered 3 amounts twice so the total owed is incorrect its 3209 instead of 3364 !! is it too late to change it or are we gonna get laughed outta court ? up at leeds mercntile june 28th

aaaargh ! hello all have just checked over the schedule of charges fro my partner and have entered 3 amounts twice so the total owed is incorrect its 3209 instead of 3364 !! is it too late to change it or are we gonna get laughed outta court ?

hey there dont woory my friend you will be taking welcome to court, not the Debt Collection Agency. have you sent the letters (preliminary and letter before action with schedule of charges attached) to their main office at nottingham by recorded delivery ? if you have proceed with your claim at court. as for Lewsi debt either send thema letter saying i dispute this debt please prove it by showing my credit agreeemnt (cca letter) or that this debt is in dispute due to unlawful penalty charges

hello sorry for the mistake ! right all correspondence from lloyds has been showing the two accounts seperated and two account numbers accordingly. We received a letter from BCW with just a client ref number and the total amount owed, no ref made to loan nor overdraft just .... our client LLoyds you owe 5 grand thats it !

hey up i found this on another post http://www.consumeractiongroup.co.uk/forum/other-institutions/82170-welcome-finance-have-screwed.html

anyone ??? basically need to know is it unlawful for bank to combine the overdraft account and personal loan account ? they (lloyds) have passed the accounts onto BCW who have combined them

hey up again hope all is well am taking this to the wire the cheeky buggers eh ! any chance of that poc ?

cheers for the help itsmeandonlyme they sound quite full of themselves in their letter ey !

this is really helpful cheers

i would ring up mate

hey there thanks yet again for the advice calculator panic set in this morning thats all !, i have read your thread zsazsa and it helped a lot too. have been on the blower to court today and they have received a defence and acknowledgement of service from lloyds but couldnt find them so cant send out duplicates lol. they said to send CMI sheet to lloyds reg address and to SCM. am just looking for the letter to attach to SCM copy saying... here it is most claims are settled before so come on nudge nudge ! - i will include schedules of chages too. I was thinking about bringing everything i could think of cause of how sneaky Lloyds especially can be bearing in mind the two cases that they have "won".

i would include that in your lba too yes i have had a negative response from the compliance dept too but some have had a bit better reply from the legal dept maybe try posting your LBA to them Ian Orgill is a legal manager ?