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stewart70redwood

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Everything posted by stewart70redwood

  1. Hi Everyone I wonder if I can get some advice? I took out car insurance with Swinton, but because I did not hold a bank account, I had to come in person to the office each month to pay the installments. They said they would send out a letter to remind me each month to pay, however, they did not send out a reminder letter and I would had been late paying, which I was. I went into the office to pay 2 weeks later, but they said they had already sent out a letter, stating that the policy would be cancelled in 7 days, despite me willing to pay. I want to know why the cancellation proce
  2. Hello I am trying to recover my bank charges from Lloyds, and I sent a template letter requesting the full amount a few months ago. They sent me a reply stating that they could not do anything until the test case was heard. To my astonishment, they closed my account and handed it over to a debt agency. I was overdrawn by £120.00 all due to bank charges, what is my next move? Do I have a legal right to challenge still? How do I deal with the Debt agency?
  3. Thanks very much 1. Can I claim compensation on top?
  4. Don't worry, I am going ahead, but I was on 'This is money' forum and had a toatally different reponse from people, some saying that you should keep your accounts in an orderly fashion and this would never happen. I gave as good as I got! Anyway, the Banks can legally charge, which I work out at about £4.50, this amount truly refects the cost. I don't mind paying charges if it falls into that calculation. So I am not against the bank charge but the 'contract' that they have broken, what they have done is unethical & unlawful. I want them in court over the 'contract issue' regardless
  5. Hello everyone Just in the process of going via the small claims court claiming back charges from Lloyds, however I am not a lawyer, don't think I need to be anyway because Lloyds will never turn up in court anyway, however I do need back up and research. 1. What is a reasonable offer? What percentage of the initial claim is acceptable and do I have to accept this without jeopardising my case? I have heard rumours that the judge can throw a case out because of the latter. 2. What is an 'unlawful act', my definition is one being without legal justification, does that mean the Ba
  6. Hello everyone Just in the process of going via the small claims court claiming back charges from Lloyds, however I am not a lawyer, don't think I need to be anyway because Lloyds will never turn up in court anyway, however I do need back up and research. 1. What is a reasonable offer? What percentage of the initial claim is acceptable and do I have to accept this without jeopardising my case? I have heard rumours that the judge can throw a case out because of the latter. 2. What is an 'unlawful act', my definition is one being without legal justification, does that mean the Ba
  7. I am a customer of Lloyds TSB, I am in the process taking out a small claims against Lloyds using the downloaded template, however I need to find out more in depth information about the law. 1. What percentage of the initial claim is accepted as an reasonable offer by Lloyds before it goes to court? 2. If I refuse a 'reasonable offer' and demand full payment, can the judge throw my case out of court? 3. Can I claim compensation on top of what I am asking back in charges, for example; loss of earnings, stress related? 4. I have been quoted that an 'unlawful act', is one being witho
  8. Hello, My name is Stewart and just proceeding to take Lloyds TSB through the small claims using the template that I have downloaded. Have lots of questions, so any help would be appreciated.
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