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The Capitulator

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  1. Hi all Just posting my interest in the Welsh meet, I am based in Mold North Wales. please pm me when time /date/place is fixed. regards Carl
  2. Hi all Sign me up for 6th July, nobodies mentioned a place or time yet? Carl
  3. I think we should consider as a group electing a "non bank day" imagine if as a group or even linking with other groups that nobody used the banks on say Fridays -20% of their business gone, I bet they would soon get their act into gear and stop thinking we work for them. TC
  4. Hi Judi3 Your appeal would be based on the fact that the District judge made an error, the circuit judge would decide if there was any merit and if so would order a rehearing. There is research to do but it may be worth your while. just my opinion but I am sure a mod will advise better. look up the CPR rules and good luck regards TC
  5. Hi Andrew Would love to join you guys but my account was a t/a account and not a ltd company. Anyhow still trying to chissel them down to remove their unlawful charges hopfully may even get to the stage where they owe me I was talking to BF a couple of months ago, and we thought my case might be a good first for consequential loss -i.e. the loss caused to a business through these charges. So this is my plan of action as soon as I know how this is panning out I will be making my claim. Once I have the banks response from my letter I will be back in touch with BF and I think I will then start a claim as above. In the mean time if I can be of any help please let me know. regards TC
  6. Judi You can appeal against a decision of a district judge by I think don't quote me yet) asking for the circuit judge to review the case if he/she then thinks it has merit they can order a rehearing. It is in the small claims procedure book by Patricia Pearl (see books on left) if you PM me I will look it up and send you the actual section. regards TC
  7. Ajg Hi and yes there is a forum rule for all ex bank (and current ones) to declare their interest. Its not a problem I don't think as all members who contribute a positive view are welcome. There is a section in the main threads at the begining which is titiled "bank employee's" Hope this helps TC
  8. Hi Battleaxe & PM anybody? any thoughts on where this may go? I thought I would try and box them in by making it harder for them to sell the debt off, and also invite them to take me to court -as that is really the only place where this could be bottomed out. Funny really as I would like to start repaying what I owe -but they don't seem to want to telll me what the figure is. What I would really like is my 15 mins in court and walk away with a figure for actual costs which will then help all I guess. I know the whistle blower highlighted a cost of £2 approx but this still has to be ratified by a court in order to be made "the norm" I may of forgot to mention but this is/was a business account before they closed it when I complained about charges -that was back in Sept I have not paid a penny since on the original £18 and they have not threatened anything save above in their letter - I carnt pay as I don't have an account with them !! Any ideas ?
  9. Hi BF I used some labels to advertise this site, the funny thing was though when I received my documents through my SAR the bank sent the statments and about 15-20 pages of photocopies of various letters from my file two of the a4 photocopies were of the outside back of my envolope to them -you guessed it -they photocopied the label advertising this site and filed in my file -then posted me acopy with my SAR. My conclusion? either their on strong drugs or the labels had them quaking in their slippers. TC
  10. Hi BACS used to stand for Bank Automated Clearing System?? Maybe its now changed to Banks Auto cleanup system:o tc
  11. Hi Battleaxe Thanks for your comment, yes I have sent it. Was more incensed by their threat of using external collectors than the money part. Will see what happens. Keep you posted. -Anyone else to comment? TC
  12. After 3,100 + posts Janet I don't think you need to explain your motives -and I won't say good luck -you don't need it. TC
  13. Hi Battleaxe thanks for response - I have posted below Lloyds letter to me and my response sent today -your /anyones comments greatly received. From Lloyds Tsb 19th March Dear Mug (my comments in blue) I am now of the understanding that the issues you raised regarding the sale of your Business Loan Repayment Insurance have been investigated and that a final response letter has been sent to you on the 1st March. In light of this I am writing to request your repayment proposals as a matter of urgency (must be running out of money I think not) As you are aware your accounts xxx & xxx have been amalgamated and the balance outstanding is £18,565.46 however my previous offer of £13,000 will remain open for a further 7 days. Please contact me with your repayment proposals within 7 days. The bank is preferably seeking a lump sum payment or alternatively we will explore establishing a monthly repayment plan. As an example at an interest rate of base +5% the bank will require payments of £217.49 to enable you to repay the balance over a 7 year period (this equals £18,269.16 almost got all their generous good will gesture back –good job if you can get one) If I fail to receive to receive suitable proposals from you within the time period I will be left with no further option other than to transfer your case to the Banks external collection agents (Grabbit & Co) Without further reference to yourself. I look forward to hearing from you within the timescale detailed above. Yours sincerely Chief Mug catcher And my response Dear Lloyds I am in receipt of your letter dated 19th March which I received today the 21st March, I note its contents. I must say Dale the tone of your letter does not impress me. You are correct I have received a letter of final response from Gail Owen regarding my miss sold PPI policies. I will state though that Ms Owen has not answered my questions which will enable me to ascertain the amounts for the miss sold policies. Consequently I have written back to her and informed her that I do not accept her final response, and that I require copies of statements from my previous bank managers under my SAR request. I am considering filing a County court action under the Data Protection Act for non compliance / obstruction from her. As you will know this can lead to an order of imprisonment should a District Judge find that there has been deliberate concealment and / or obstruction. I will await her response to my letter, and then decide if a court application by me is to follow. Consequently you will derive from this that the account is still in dispute. Further more I will not tolerate interference from “external debt collectors” I need not remind you that it is contrary to the banking code section 13.6 for you to pass this on to a third party until the dispute is resolved. Any attempt by you to carry out your threat will lead to an immediate complaint to the FSO. However I accept your figure of £13,000 as a GOGW and as a part settlement and wish to proceed to repay this amount on the following terms: 1) The amount will be subject to an interest rate of 3% above base. 2) The monthly payments will be made by me into my bank account. I will not be subjected to stuffing cash into envelopes and sending them to you akin to a naughty school boy, I have done nothing wrong. You will be aware that the OFT has recently fined a bank for retaliatory action after the A&L closed an account following the customers justifiable complaint. I have not yet decided if I am to follow the many hundreds and report Lloyds for this to the OFT. I will await the outcome of our deliberations before reaching a decision. However I am well aware that relations between myself and my manager have irretrievably broken down on a trust basis, therefore I will accept you opening an account for me to use in my local branch It is my opinion that once:- The unlawful bank charges, The miss sold PPI’s, The managed loans, The interest charged by you on unlawful charges, The interest and ability by me to invest these amounts in my business -has been fully calculated and deducted from the outstanding balance then a figure of around £5,000 will be left, I welcome your continued help to accurately calculate this amount. Alternatively I will accept £8,000 as a full & final figure and commence repayment immediately over 5 years and also cease forthwith all claims and actions and confirm in writing that the account is out of dispute. Of course you could short circuit all this letter writing by both parties and issue a writ in the County Court for the repayment of the outstanding £13,000. My immediate response would be to insist the District Judge orders the bank to standard disclosure of its costs, (see whistleblower BBC1 21st March 2007 calculated @ £1.50 per item) to enable me to work out the actual figure I owe you. This will (I am sure you know) result in a figure of about £1.50 to £2 being adopted as the normal amount that Lloyds (and the other banks) will be allowed to charge for returning D/D’s etc instead of the present charge of £35. For clarification purposes I am sure you are aware that common law states that either party to an agreement cannot profit from a breach in the agreement, but may charge actual costs in order to restore the agreement to a position that existed before the breach. A loss of about £1.5bn per year in net profits to Lloyds alone would be the result of these cost’s being made a ruling in a Court of law. I trust a more constructive reply will now be forthcoming. I hope this is to your satisfaction and therefore remain Yours Sincerely Mug
  14. Hi Battleaxe Thanks for reply Its the wonderful LSTB that I am dealing with. Have written today accepting their kind offer -as a part settlement. and left it open for them to revisit the offer and come back to me -will post any news. regards Carl
  15. Hi all Just registering my interest (compounded) on this excellant thread thanks PM just what I was looking for. Now maybe I can start to make sence of the loans used to pay off charges -PM please keep us posted when the spreadsheet you mentioned is available. My tale is nowhere near as heart wrenching as some above, but nether the less I aim to get MY money back then use a bank only when neccersary. My £3,000 buisness start up OD from 4 years ago has risen to £18 by consolidation 3 times each with the insisted PPI -which was of no use to me being self employed. Last Sptember after reading this site I raised the issue with my senior buisness banking manager -his response? he closed my account. letters have been exchanged and I am still investigating the PPI -but out of the blue I received a letter saying "out of GOGW we will reduce your £18.5k to £13k. now I am not sure how far to take this -if I accept I loose my right to get to the bottom of the miss sold PPI -but if I don't accept I may loose the £5.5k reduction -any ideas folks? regards Carl
  16. Hello namesake Goodluck for your claim another thing we have in common is that we both follow Ian's excellant advice. Sorry Ian if this confuses you. I'm the old get regards Carl
  17. Hi Jezzaa Congrats on your refund. re your other account take a look at Bong's thread in the MBNA section. She has just completed her 13 year claim -lots of reading and lots of work but if your in a fighting mode go for it good luck regards Carl
  18. Hi Minni, Guidot Just my thoughts -would like this to be confirmed by Vamp's or other in the know, but I have seen lots of ways of dealing with the partial payments on different threads for submitting / resubmitting claims. When I received a partial payment a while back I simple put the figure into the existing saved spreadsheet as a new entry but put it in as a negitive figure i.e. Date, repayment, -647.00 this seemed to work well and I sent it off as a new claim figure. Would of course like some others to try this out and comment regards Carl
  19. Thanks Pete and Lat Wow what a read that was and what a star Bong is for sticking to her guns. After reading what she has achieved, and given her goals were potentially much more complicated than the average claiment i.e. exceeding the six year rule. I don't now see what is all the fuss about CI is -granted that it was not actually tested in court, but what was tested was the continued reluctance of the banks to allow such test. Anybody any updates as to where they stand on CI? Regards C
  20. Hi Pete Thanks for that, yes I have read many of Bong's comments on this site over the last 4 months, her comments are spot on, so will go over and read the thread start to finish. I am sure I will pick up a ftips from there. regards C
  21. Ok Just sent off my dear colin letter, telling him to keep his offer, and see him in court etc. Dont expect to see anything now until n1 filed might then receive an increased offer but will not hold my breadth -
  22. Hi Lateralus Thanks for post The claim was for approx £2,500 but the account was closed in 2003 so the interest has increased the original amount quite a lot. The lloyds claims were for £600 on one and £1,400 on the other. the 600 has been refunded but the 1400 is still ongoing so I am not able to say the CI route is working YET but will keep you posted. I am supprised there does not seem to be as many people on this HSBC talking about CCI as there are on the LLoyds, I wonder if there is a reason for this? i.e. are HSBC responding differently from LloydsTSB? I will send a rejection letter off to Colin on Monday.
  23. Hi all Having spent time on our LTSB account claims with reasonabble success. I turned my attention to a closed HSBC account. I sent a claim for £4176.28 which included contractual interest. Today received a offer of £947 as full and final. Not yet started court action. We are of course going to turn it down /accept as part payment. Just asking for any further advice/ideas? regards Carl
  24. Hi Lady UK and welcome I think MB was pointing that there may be a simple miscalculation of the daily rate in your thread. There is a multiplying factor on this site of about .2 (please check) which you apply to your claim figure and then add it per day from the date of your court claim till settlement date. I.e. it may be something like 48pence per day for 34 days =£16.32 + original claim. It is all here on this site sometimes takes a little searching but you will get there. Good look with your claim TC
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