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Trish76

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Everything posted by Trish76

  1. Trish76

    Timsta vs HSBC

    The Limitation Act does stipulate that you can only claim back 6 years, however there are people who are in the process of persuing beyond the 6 year limitation. The final decision must be your own but should you decide to go for the full 7 years then there will be plenty of help and advice on this site from people in the same position. Good luck with whatever route you decide.
  2. This seems to be a fairly standard fob off response. One thing I am unclear of though is you've stated that you've already sent the L.B.A., am I correct in thinking this?? If so then there is no need to send a second copy, the next stage would be to file your claim through the courts.
  3. Trish76

    lloyds v me

    Yes by filling in the N244 you will delay your claim slightly, however by not doing so you wont be able to apply the 8% interest under Section 69. So basically, you continue as you are and claim the charges only, or you resubmit your claim and persue the extra £600.
  4. Trish76

    lloyds v me

    As you have already filed your claim through the court you would need to make an official amendmant. This would mean filling out an N244 and resubmitting your claim through the courts at a cost of £35 (non-reclaimable). http://www.consumeractiongroup.co.uk/forum/bank-templates-library/41901-form-n244-application-notice.html
  5. When you say they have asked you to pay a further £100, did you also receive an Allocation Questionaire?
  6. If the bank fails to supply you with your data then you should complain to the bank. Give them 7 days to comply and tell them that you will begin a complaint to the Information Commissioner and also that you will begin a County Court action under the Data Protection Act. If the bank does not respond to your 7 day warning then begin your complaint and start your action. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html
  7. If you have all the charge details with dates and charge reasons then yes you are ready to proceed with your Preliminary request for your charges. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html For your schedule of charges it is better to enter all the details into one of the spreadsheets containing all details in relation to each charge. The spreadsheet will also calculate for you the 8% interest under Section 69 which you will be able to persue once you reach the court stage. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html
  8. All the information you will require for filling out your N1 you will find here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html
  9. If you wish to claim O/D interest but not persue Contractual then you are able to claim back part of the interest which is in relation to the charge applied on the account, this spreadsheet will help determine these amounts. http://www.consumeractiongroup.co.uk/Spreadsheets/England/Complex-bank-charges-calc.xls
  10. Welcome to CAG. If you start a thread in the A&L forum you will get great advice from people who are also claiming from the same bank. http://www.consumeractiongroup.co.uk/forum/alliance-leicester/
  11. So long as you submit your court bundle 2 weeks before the hearing date then that is sufficient.
  12. Well you seem to have everything in good order here, shouldn't be long now before receiving your full settlement. Look forward to hearing the outcome!!
  13. By receiveing the notice of Transfer of Proceedings I assume you filed your claim through MCOL. This is totally normal for your claim to be transfered to a court nearer you and it's totally normal for the bank to submit a defence. Have you actually received their defence as of yet? With regards to the next step, you now need to wait for further directions from the court as to what you need to do now. If you start a thread in the Lloyds forum you will be able to post all your claim details in the one place and receive further guidance on the route ahead. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/
  14. Hi Paul Firstly congratulations!! It's great how you stood your ground with BT and documented everything here.It shows people that "giants" like the Bank's and BT can no longer do as they please with their customers!!! WELL DONE!!!!
  15. It is fairly standard for the bank to submit a defence and dispute the whole amount. Don't let the case which was found in favour of Lloyds influence your decision, there have been many a success before that and there will continue to be many a success after it too, yours included. Could you post up details in a a new thread in the Lloyds forum outlining all the details of how you've gone about your claim up to this point and we will be able to see if there are any points for concern. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/
  16. Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html
  17. I would inform them that you will only accept their offer as part settlement on the clear understanding you will be persuing the remainder. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html
  18. Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html
  19. You say you claimed via MCOL, did you use the Particulars of Claim template from this site?? If you did, then I can't see that you have anything to worry about. This seems a fairly standard defence, one I have read many times. It is just their way of trying to make you think you've done something wrong. If you've followed the guidelines and used the templates layed out on this site then I can't see you have any problems as they have all been tried and tested with great success.
  20. Don't let the issue of Fast Track worry you, from what I've seen this route can be very benificial and usually means a faster result.
  21. The ball really is in your court. First of all you need to find exactly what the amount they've refunded actually equates to. If you wish to persue the remainder then you will need to notify the bank that you will only be accepting this sum as a part settlement and on the clear understanding that you will be persuing the remainder. http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html The next stage of the claim would be to file your claim through the small claims, either using the N1 form or MCOL.
  22. I have the same ongoing issue with my Nat West account, they state that as part of the loan agreement all future payments MUST come from an active Nat West account. I have checked the Terms and Conditions for the loan and in my opinion they don't actually state I must have an account where the D/D must come from. I would suggest you check the T&C's of both your loan agreement and your Credit Card agreement to see if there is any context stating this to be a neccesity.
  23. Well done Darren, let us know when the money is in the bank!!
  24. Good on your daughter.... But no thanks on the Snails.....
  25. Hi and welcome to the site, You've definately taken the first step into claiming back what's rightfully yours. Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere. Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required. Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim. All the best in your claim!! TRISH Useful links to help with your claim FAQ’s http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/ Letter Templates http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/ Interest Spreadsheet http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html Court N1 form http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html Mcol Particulars of Claim http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html
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