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Hallo from bella the cat


bella the cat
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hi bella, and welcome to the CAG.

before you start anything, take your time and check out the site, in particular the FAQ's.

if your claim is about lloyds, then post it in the lloyds section http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

get to know what your'e doing and in what order, but above all remeber your surrounded by friends who will help if they can. you only have to ask.

Good luck

Please note that although my advice is offered, you should consult your legal representative before taking ANY action.

 

 

have a nice day !!

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Hi and welcome Bella, you should claim for it all, until such time as they declare they administrative costs, which aint gonna happen lol, anyway I will ask for this to be moved to the relevant forum where other Lloyds "customers" will be able to help and advise :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Thread moved to Lloyds Forum :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 1 month later...

Hi everyone

Happy new year to all

 

Latest on Lloyds letter back saying that we cannot claim 'because the Unfair Terms in Consumer Contracts & Unfair Contract Terms Act 1977 do not apply because we are a business customer and the Regulations and the Act only apply to consumers" Now the letter I sent was as per the Consumers Forums - Business Claims quoting "unlawful at Common Law".

 

So are they trying to bamboozle me with jargon or should I still go for it????

 

Kind regards to all

 

Bella the cat

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  • 3 weeks later...

Hi Everyone

 

Just had reply from LLoyds (different person this time - Rosie Queen)saying that "we believe its fair to charge you for the extra services you've asked for, as long as you know about the charges in advance" and that "they are not prepared to agree to adjust any of these charges"

 

They then suggest that if still unhappy with their "final" response to go to Financial Ombudsman Service.

 

Is this where I issue court summons bearing in mind the current situation

or what to do next - getting a bit scared now!!

 

Regards

 

Bella the cat

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  • 2 weeks later...

Hi All,

 

Just getting "Letter before Action" sorted but small point do I send it to original local bank or back to (Rosie in Andover - who is obviously in charge of sending the standard "we are not going to pay you" letters) and the same question applies to court claims - should it be to local bank or Andover branch.

 

Thanks again for helping out

 

Love

 

Bella

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  • 4 weeks later...

Hi Everyone

 

Just getting organised and have filled in County Court form on-line seems quite straight forward until claiming interest.Do I need to calculate the interest from 2001-2002 until presumable now?? don't know!! and if so how do I do it or should I just claim for total of £727.50 and forget about interest comments please. Thank you all luv bella

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If you use MCOL your claim will be automatically stayed.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 4 months later...

Hi everyone

Help please - I've had a reply from LLoyds defence solits denying basis of claim (no surprise there then!)because it is statue barred (??) and that section 5 of Limitation Act 1980 states that an Action can not be brought after expiration of six years (I know that but as I had first started the claim Dec 07 for period from Feb 01 to May 02 I thought I was still in the time frame) Was I wrong or are they right - they state" that should I fail to withdraw claim,we are liberty to strike out claim at which you may be liable for costs in bringing proceedings" What to do now- having paid for costs of summons and the total amount was for £727.50 could I end up being very much out of pocket. I"m sure others must have had these letters but I'm not sure whether to just quit now - help pleeese

luv Bella the Cat

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