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HAPPY NEW YEAR EVERYONE

 

And for some, it's already off to a great start!!!!! So let me tell you a story.

 

I've not posted for a while as i was busy with work, christmas and goodness knows what, but now my new laptop is up and working (my steve bought it for me for christmas) i was going to sit a write a post about how disgusted i am that with only 3 days to go and i still have had no correspondence from SCM, but ......

 

this afternoon while clearing out the top-of-the-stairs cupboard, we came across a bag with the wallpaper in that i bought when i moved in 3 years ago. Being at a loose end this weekend and with no pennies to go browsing the sales, i decided to go to B&Q to get some paste and paint and make a start on the bathroom. So we decided on a nice deep blue for the skirting, and i thought i'd better check to see how much i had in my account and ......

 

i phoned the phonebank, entered my numbers and requested a balance expecting to find that i had maybe £20.00 to spare and instead i heard .........

 

 

the balance of your account is many pennies

 

 

i've won!!!!!!!!!

 

 

but i still have'nt had a single word from SCM.

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

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CONGRATULATIONS!!!!!!!!!!!!

 

:grin: :grin: :grin:

FIRST DIRECT: £4751.86 SETTLED IN FULL 5/07/06 :-)

 

TESCO VISA CARD: £90 SETTLED IN FULL 12/08/06 :)

 

LLOYDS TSB: £4403.59 SETTLED IN FULL 17/08/06 :)

EGG: £451.52 SETTLED IN FULL 18/01/07 :)

 

 

Opinions and advice of kazzaw are independent, offered informally, without prejudice, without liability, and not endorsed by the Bank Action Group. If in any doubt, seek the advice of a qualified, insured professional.

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CONGRATULATIONS!!

 

Well done MBQ, Happy New Year!:D

 

Elsinore

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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CONGRATULATIONS!!!!!!!!!! !!

 

:grin: :grin: :grin: and you ve probably noticed i ve just copied the above but its late and its the thought that counts .Seriously though well done and this inspires me greatly to overcome my own similar to yours,past nerves and frustrations over the situation.:)

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Congratulations, did you get a letter of confirmation through from SCM?

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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many thanks everyone, i've had a super week, smiling all the way to the bank!!!!!!!

 

steven, i only got confirmation 5 days after the money went in. in fact, the money had actually been in my account for 2 days before i knew it was there.

 

Good fortune to all who are still claiming.

 

Best regards

 

xxxxxxxxxxx

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

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Moltonbrownqueen,

 

I have just read your thread. Congratulations and very well done - I am sure this makes for a very happy new year!!

 

Could I possibly ask you a question however - Did LTSB close your account or make any conditions after they paid you back? I only ask because this is why I am still hesitating about sending in my preliminary letter.

 

Many thanks - and congratulations once again.

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hi RCR

 

At this moment, lloyds have made no move to close my account. However, if they do, i opened a bog-standard basic account with Nationwide several months ago, and i suggest that you do likewise.

 

There are steps you can take to prevent this, by way of an injuction i think, but with the scale of claims we are looking at now, i think maybe it's just not in their best interest to close accounts willy-nilly.

 

It may be different if you are severely overdrawn or owe them large sums of money, i just dunno, i'm no expert. Sorry!!!!!!

 

 

There seem to be no conditions attached, and even if there were i would not accept them.

 

I hope this is helpful to you, and all i can say is go for it, you've nothing to lose, and loads to gain. As you read through the different threads you will gain so much knowledge on all sorts of issues, and believe me, you will never be walked over by companys again. KNOWLEDGE IS POWER!!!!!

You will also find help and support and a whole community of like-minded people.

 

I wish you good fortune, not luck, coz the odds are in your favour.

 

Regards

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

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Can anyone out there tell me if they have had success with lloyds. ??

I have filed court papers on 17-1-07 and they were served on 20-1-07. Is anyone else in the same position as me or even futher on with a court day pending.??

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I`ve got a hearring date of 13th February, so i`m further down the line than you trick.... i`ll get in touch.

 

Bundle being submitted to court today, bundle going to SC&M by special delivery 3 days before the deadline.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Will PM you.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Congratulation!!!!!!:)

I AM AT THE STAGE OF SENDING OF MY QUESTIONAIR WHICH THEY REQUIRE A FUTHER £100.00 SENT WITH IT. IM REALLY SCARED THAT ILL BE THE ONE THEY DECIDE TO TAKE TO COURT BECAUSE ALTHOUGH I HAVE READ UP ON LOTS OF INFO I THNK IF I HAD TO SPEAK OUT IN COURT AND PRESENT MY CASE THEY WOULD JUST LAUGH AT ME AND ID BE PAYING LLOYDS COURT COSTS.

DO YOU KNOW IF ANYONE HAS ACTUALLY BEEN TAKEN TO COURT YET OR IF ALL CASES HAVE BEEN SETTLED BEFORE COURT DATE?

X

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jessyireland, have you actually sent your AQ yet?

 

If not hold on and get in touch with me by PM.

 

You only pay the additional £100 if your claim is higher than £1500.00.

 

To date Lloyds have contested NO penalty charges cases, or at least none that I know of.

 

The only case I am aware of is someone claiming charges from longer than 6 years ago.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Moltonbrownqueen

 

Just to thank you for your reply......It is reassuring. Re. being overdrawn etc....a very kind person on the board suggested it might be a good idea to clear my OD before commencing.

 

Thanks again......Best wishes.

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I have filed court papers on 17-1-07 and they were served on 20-1-07. Is anyone else in the same position as me or even futher on with a court day pending.??

 

I am two days later than you. Have received the Notice of Issue to date. Looks like we'll be tripping over each other's feet ;) . Good Luck.

amber_ellie :)

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hi Jessyireland, enron and ellie

 

it might be a good idea to start your own threads in the lloyds forum, i don't mind you being here, but as this is in 'successess' it won't now get full site traffic, and the more people who have access to your thread can only be of benefit to yourselves.

 

 

i tagged this onto the end of my letter to the court:-

 

However, I would like to point out the the solicitors acting on behalf of the Defendant - Sechari, Clark and Mitchell - showed blatant disregard for the courts directive in respect of not providing me with the appropriate papers prior to the hearing set 10th January 2007, thus leading me to the conclusion that they never intended to attend court, for defence of this claim nor any other of the similar claims going through the court system at present.

 

Thank you for your time.

 

 

 

 

 

Well, someone's gotta say something eh!!!!

 

Regards

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

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HELP The story so far. Court papers served on the 17.1.7, Lloyds received them on the 20.1.07. The first 14 days passes on the 2-2-07 and i received a letter from the courts saying the defendent has acknowledged the claim. So that gives them another 14 days. But I checked my account on the 1.2.07 and my account has been credited with money from Lloyds. And a letter that was dated the 31.1.07 what I received on the 1.2.07 saying they have reviewed the account and my calculations were wrong and the figure in my account is what they are going to pay me. They have not added on interest or court fees. No one at Lloyds knows why the money has been credited to my account. And the solicitors are still doing the paper work on behalf of the bank, and believe the action is still open. The bank still owe me £2350.

 

Can anyone help.

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Hi Trick. I'm in a similar situation and Lucid gave me this bit of advice;

 

I would get in touch with them by phone tomorrow - as you don't have much letter sending time left. Tell them that you will only accept it as partial payment as they haven't included the statutory interest. Make sure you know (from your schedule of charges) how much interest you earned until the date you filed the claim, and then make sure you know how many days have passed since then and what your daily rate of interest is. If they try to argue, point out that you are entitled to claim it under Section 69 of the County Court Act at the rate of 8% per annum. If they try to convince you that as they are paying up before the hearing then you aren't entitled to it - don't budge, and make it clear that you will only accept it as partial settlement and are more than prepared to turn up in court on Tuesday. You will get it - you just might need to get tough.

I hope that helps

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