lloyds don,t want to play!!!!!!!!!!

[jon700]

just a quickie i waited til the full 14 days were up even though they replied after 5-6 days before sending the l b a now sent the lba and again they replied after 5 days basically saying there is little else they can say from their previous letter and that this is their final response and suggest that i refer my complaint to the financial ombudsman serve. funny one paragraph in the letter says quote"although i do respect your opinion about our charges" and this letter was from a different person this is from jamie oneil. so shall i just complete the money claim online now and not wait til the 14 days are up again? thanks for your help

[Michael Browne]

You can, and some people do after a definite refusal, but generally the safest option is to wait the extra few days

[Isiris]

Personally, once I see "Final" on any document from a bank I enter the claim. You have been resonable.

 

As the other Michael Said, Personal preference

[jon700]

well have completed the moneyclaim and sent it as they said it was their final answer as with their previous letter so lets see what happens!!

[annie44]

hi, im new to this site,although i joined a few weeks ago and found your template leter which greatly helped me with confidence to write to lloyds.

I have been with them for about 5 years ans just looking back over 2.5 years statements they have charged £1300, iwrote with your format letter and had a reply in 6 days, basiclly saying i signed a contract with the bank when i opened my account.And they were sorry i felt i had a complaint.

What do i do next.?

I am a divorced woman and have been in receipt of disability and income support which are the only credits into the bank( they are not always paid in on time either which causes me to go overdrawn with direct debits set up for the days following expected credits).

I have struggled to pay for food or for travel costs to hospital appointments (a lot have had to be missed due to thier charges taking away sometimes a weeks money.

Any advice would be greatly appreciated.

 

my appologies i am new to using a p.c. too and I hope i have sent this message where it should be sent. When i log on to your site it says i havent posted yet?

I don't know how to.

 

regards Annie

[Zedwoo]

Welcome Annie. We are all in this together. Firstly read the FAQ section. Then use one of the templates to request all of your statements back to 2000. Then calculate how much the filthy swines have taken. Then you send another letter, again using one of the great templates on here. Remember Annie, we're all in teh same boat, helping each other along as we go.

 

If you are unsure, ask on here. You will be helped along the way.

[Bean]

Hello annie44

 

It's best if you start your own thread so you (and we) can track your progress, questions and answers. Do this by going to the main page for whichever bank you are making your claim against. At the bottom of the page is a "New Thread" button. Click on it and away you go! At the moment, you have unintentionally hijacked jon700's thread. Read the FAQ's and as many threads as you can - take your time - to make sure you recover what is rightfully yours.

 

 

Hi jon700,

 

We are roughly at the same point with our claims. I issued mine in the local County Court last week. I hope you recover everything the law says you are entitled to.

[annie44]

hi

what dat protection template letter do i send to lloyds requesting full details of all charges or bank statements over last 6 years?

thanks

annie

[annie44]

hi

which format of letter requesting list of charges and statements template do i use to send to lloyds?

I am unsure also how to inform you of my actions, as other users seem to be doing?

Thanx for your time I really appreciate it!

Again this week I have been charged £35 for being £1.29 O/D which has come out of disability and income support benefit received leaving me in a mess again. I can't seem to catch up!

thanks again Annie

[reload]

Hi annie44. I'd suggest you read the Frequently Asked Questions forum, in particular the Step-by-Step Instructions, the FAQs themselves, and the Rules of Engagement. You'd do well to read the other threads in there too

 

Once you've got those under your belt, take a look at the Bank Templates Library. It contains all the letters you should need to see your claim through to the end

 

To start your own thread to keep track of your claim, go back into the main 'Lloyds Bank' forum, and click on the 'New Thread' button near the top of list of threads. Put your subject in - "annie44 vs Lloyds" for example - write your post, and away you go.

[jon700]

claim acknowledged on the 4th so things should start to get more intresting! will keep you updated with progress jon

[jon700]

got letter this morning and they are intending to defend but have noticed that they are not using mj as with most of you they are using a company called sechiari clark and mitchell based in brighton has anyone had dealings with these guys? let me know if poss thanks j

[reload]

Yup they have jon - SCM have been handed cases for the last week or so, as I'm guessing MJ are swamped with cases at the moment

[jon700]

as i said previously they (llooydstsb) acknowledged on the 4th of july and have 28 days to file a defence(deemed to have been served on the 2nd of july) so have to wait til the 30th.do they normally wait til near the deadline or do they give it plenty of time? its a bit of a pain as going away for two weeks as of 2nd august so hopefully this wont be a problem for replies etc. if anyones got info would be great to hear thanks

[Janet-M]

Write to the court manager and inform them of your holidays .

[jon700]

sorry to be a dumbarse but my court papers show the court as northampton as a small claims shouldnt it be closer to home ie southend? or shall i just write to northampton? thanks guys

[elsinore]

Hello jon.

 

Northampton is the County Court Bulk Centre.

Your case will be transferred to your local county court and you will be advised.

Then you can advise your local court manager of your holidays

 

Elsinore

[lancsman]

Best of luck jon I,m "with "the Sechiarri trio too.

Tried ringing them today bloke who was dealing with my case not in ,can they have my number to get back to me.If they try this with you let them have it but put your point across so they can have time to think or act on it before getting back to you.(they haven,t got back to me yet) but i feel i,m getting more ready for them as every damn hour goes past ...

[jon700]

i haven' even got any contact details yet fr the trio! lets just hope that they've forgotten about me that clock is ticking!!!no post from them again today!

[Janet-M]

sorry to be a dumbarse but my court papers show the court as northampton as a small claims shouldnt it be closer to home ie southend? or shall i just write to northampton? thanks guys

 

It will be transfered to your local court eventually.You can ring moneyclaims helpline and ask them who you need to write to or if they can put your holidays on the file.

[jon700]

well received the aq forms and their defence today and they are going to counterclaim......but they have not paid the fee and if not paid within 10 days then it will be struck out has anyone else had this? also there was no counterclaim enclosed with the forms so will try to call the court on monday to find out the details. am going on hols on the 2nd so will inform the court at the same time as the form has to be returned by the 8th of august.the defence is signed by alan ingledew of s c m. if i can bribe one of my kids ill get them to scan the defense and post it any feedback or anyone else in the same position your comments and suggestions would be appreciated thanks jon

[macdond]

Hey Guys

I sent Lloyds the request fro my charges at the end of June. I have received the relevant info today but I don't know what to do next! Do I just add up the charges and request that amount? Everyone is mentioning interest, How do I calim that back too? I'm still so new to this and would appreciate any advice Thanks, Donna xx:?

[homershairdo]

well received the aq forms and their defence today and they are going to counterclaim......but they have not paid the fee and if not paid within 10 days then it will be struck out has anyone else had this? also there was no counterclaim enclosed with the forms so will try to call the court on monday to find out the details. am going on hols on the 2nd so will inform the court at the same time as the form has to be returned by the 8th of august.the defence is signed by alan ingledew of s c m. if i can bribe one of my kids ill get them to scan the defense and post it any feedback or anyone else in the same position your comments and suggestions would be appreciated thanks jon

 

Both in the same boat mate! I compared my defence against what reload posted a while back, and they are word for word apart from one para, which was specific to reloads original letter. Like you I am phoning on Monday to find what the craic is - but it does seem to be a new tactic! Mods - any inital thoughts?

[jon700]

well its now thursday and have just rung the courts to find out about the counter claim and its not on the system and they seem to think that its an error by northampton as there is nothing showing apart from their defence!! anyoneone else got similar news??? what bout you mr homershairdo?!! jon

[Ihatebanks]

I got my acknowledgement of service today they put in their letter to the court

they are preparing their defence and counterclaim:confused:

New tactic prehaps!!