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    • i would suggest that you stick to researching on here only. use our search top right for say CTAX or liability order.   you seriously have some wild theories, but those are understandable.   as i have said, there won't be a court hearing you need nor would that help you at all nor are expected to attend, it's not like that, it's merely a rubberstamp exercise .   there is no right of forced entry for bailiffs collecting CTAX debts. the bailiff process is one of a letter which will be entitled Notice of enforcement, this gives you 7 days to pay the sum it outlines with an associated fee of £75 for it being sent. the 2nd step will be a visit, you have no legal remit to engage with them at all, i i would not do so under any circumstances, that visit will add a further £235 fee those are the only things a bailiff can do. the most they can charge is a total of £310.   police do not ever get involved in civil matters like CTAX debt. not sure where you ever got that idea from.   its saturday now so use the W/end wisely, get reading up HERE ONLY it might well pay you on monday to go RING the council CTAX dept and plead poverty etc etc. it might also pay you to find the email address or even better phone number of your local MP and get him involved. they can do wonders.   dx 
    • NPAP see here: VCS Spycar PCN PAPLOC now Claimform - no stopping - London Southend Airport ***Claim Dismissed*** - Page 7 - Private Land Parking Enforcement - Consumer Action Group
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available to me.   Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying.   let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? does the council then not send the police round? This is what I can't work out and worries me.   The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
    • Hi Stu and dx1000uk,   I have done the online assessment and as I suspected I already receive the maximum benefits available ot me. Yes I was referring to the fact that some times I know that non-payment of council tax can lead to imprisonment so thanks for clarifying. But let's say I can't make their demands for payment and they do send bailiffs in, I assume these are the type of bailiffs I can just not let in and then after a certain amount of attempts they give up right? But does the council then not send the police round? This is what I can't work out and worries me. The council already know that I am struggling and can't make the payments but when do I get my chance to tell a court or the police that it's not that I don't want to pay but that I can't pay?    Walshy
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
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      • 33 replies

dave e v lloyds tsb ***SETTLED IN FULL***


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hi, I have been looking at this site for a couple of weeks, viewing other members and making myself familiar with how to get my charges back.

today 28/06/06 i sent my D.P.A request to lloyds.

LET THE BATTLE COMMENCE.

DAVE E V LLOYDS

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Welcome to the club Dave, and good luck with your claim :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Hi Dave,

 

I have today (28/06/06) just done exactly the same. I added you to my "buddy" list. maybe we can keep each other updated on developments etc.

 

Regards,

 

Gallen.

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  • 2 weeks later...

hi folks,

got my safty account opened today with nat west step account, it was so easy doing it online.

still waiting for my bank statments from lloyds

DAVE E V LLOYDS

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  • 2 weeks later...

Hi and welcome,

 

just be warned that Lloyds are slow and will stall when ever they can, so don't expect anything to happen overnight with them!

 

Best of luck to you both.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hi ,

got my copy statements on sat 30/07/06 worked out my charges to £2500 can anyone tell me do i count the o/draft intrest charges as part of my claim.

cheers.

dave.

DAVE E V LLOYDS

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There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

 

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

 

Vampiress has a spreadsheet, (the 2nd one), in the bank templates library, which attempts to calculate this

 

It's quite complex and unless your claim is large often doesn't amount to that much, so for simplicity's sake, some people don't bother

 

This is the interest referred to in the preliminary and LBA letters.

 

 

 

2. 8% interest on your claim, but only when you submit a claim at court. Don't

add this interest before.moneyclaim

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hi michael,

thanks for that, as you say the intrest does not amount to that much so i will send my letter for just the charges and no intrest.

cheers.

Dave

DAVE E V LLOYDS

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hi,

prelim letter sent today 02/08/06. to lloyds, lets wait to see what happens?

a standard letter in a week or so saying we cant do anything.

DAVE E V LLOYDS

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Hi There....

i'm a newy to all this as well.... and still trying to get my head around it all, can someone tell me what DPA stands for and have many people actually got there money back from LLoyds as they owe me £1400.

 

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Please can someone advise me if the correct first stage is to send the the subject access request letter (template) to where?? for bank accounts and credit cards at Lloyds TSB. Should I send the same letter without amendments as it refers to ....charges relating to my banking history...." is this okay. Sorry to be so dumb but just wanted to check so that I can get it right. I'm a bit scared to be honest but am determined with some support from you guys. Have read lots of forum posts but still am confused whether or not to treat bank account and credit card account claims using the same procedure and letters from the templates. Please can someone advise me. Thanks

Laura Ashley - Prelim Letter Settled in Full £100

Tesco (RBS) - LBA - offered £64 - still owe me £136.19 - second LBA letter sent 12 Nov 2006

Mint (RBS) - LBA - offered £54.23 - still owe me £70 second LBA letter sent 14 Nov 2006

LLoyds Gold - Moneyclaimol 12 Nov 2006

LLoyds Plat - Moneyclaimol 12 Nov 2006

Lloyds Classic - LBA letter sent 12 Nov 2006 for £2,593

Lloyds Classic - LBA letter sent 12 Nov 2006 for £508.65

MBNA (2 accounts) - Two goodwill payments received so far totalling approx £700 - just going in for the final kill!

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Christina: Data protection act. Look here for Bank payout so far.

http://www.consumeractiongroup.co.uk/surveyresults.php

 

Bunnikins: 1 DPA + 1 £10 fee for both a/c Mention both a/c no

 

From now on you both need to start new threads in LLoyds forum and post your progress and questions there

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hi,

received a reply today 05/08/06 from Andrew Palmer the letter went as follows.

 

I am just writing to let you know that we've received your complaint and to say how sorry i am to learn that you're unhappy with us.

you have my assurance that one of our assistant managers will investigate the concerns you have raised with us this may take a little time but i would expect our enquiries to be complete within the two weeks. We will then be able to respond in full to your complaint and at that stage, i hope, resolve matters between us.

In case you haven;t received a copy of our leaflet called ' how to voice your concerns' i've enclosed one with my letter. This tells you all you need to know about resolving your complaint with us.

 

 

they can resolve it by giving me my money back, i take this is a standard letter

from Andrew Palmer customer service advisor.

 

cheers,

dave e

DAVE E V LLOYDS

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It is the very same letter I received word for word

 

The only difference would be the Name. address and account number

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts

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standard reply , just stick to the time limits you gave them and then start the next step

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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hi everyone ive just posted my dpa request for my charges to llyods tsb

Ker can you start your own thread please , that way you can keep us up to date on your claim and in the future if you have any questions it will be much easier if we can see where you are up to at a glance , thanks mjanet

:o:p ker7085

963.00 pre lim sent 28/08/06 sod off sent back 04/9/06

lba sending 9/09/06

mcol to be filed 23/09/06:-x

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  • 2 weeks later...

its 14 days after sending my prelim letter, lba letter set to go on the 16/08/06 after saying they would look into the complaint i have had no responce from lloyds.not even saying no your not getting your money back

DAVE E V LLOYDS

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I would wait the 14 days. If your case goes in front of a judge you will need to demonstrate that you provided Lloyds with reasonable time to settle this before court action.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 3 weeks later...

hi,

im about to start my money claim, can anyone tell me when i fill in the online form, i want to claim the 8% back do i include this in the full amount of the claim or is it added by the court after the form is submitted.

any help please.

Dave E

DAVE E V LLOYDS

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Include it in your claim. As in the example POC below:

 

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount of charges claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =The interest in the 8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount of charges claimed x 0.00022).

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  • 2 weeks later...

hi,

yesterday i filled my money claim on line claim no 6QZ64511, looking on the claim it says the defendant has 14 days to respond is this true as i thought they had 28 days, can anyone clarify.

cheers,

dave e

DAVE E V LLOYDS

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  • 3 weeks later...

Hi,

today i received from northampton court a acknoledgment of service has been filed against my claim, lloys have another 14 days to enter a defence after that

does anyone know how much i will have to pay when i have to return my allocation questionare.

DAVE E V LLOYDS

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