Daliai VS LTSB

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Hi Daliai,

 

One thing which will help you through is reading and re-reading threads of others who have successfully finished their claims - such as my own, Mjanet's, PrincessAphrodite's, etc etc etc. Do not be disheartened by Lloyd's tactics, that is exactly what they're hoping for. Carry on with your course of action - their 14 day's response time for the LBA is well and truly up, so read up about filing a claim - in particular the "Particulars of Claim" (!) in the Bank Templates Library, then head over to http://www.moneyclaim.gov.uk and get that claim filed :D

[Daliai]

I have just filled in my money claim online as llyods refused to pay up after LLB..so I'm now waiting. I filled it in online and it didn't allow me to attached the claim detail i.e the charges statment? is this normal?

[BARTY]

Hi

No you can't send attachments, if you do the following:

 

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

Dear Sir/Madam

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours Faithfully

 

 

 

 

And send the same to SCM (solicitors) when the claim is acknowledged.

Barty:)

[Daliai]

Hi Barty..thanks for your response. Its very helpful.

 

Will they write back to me then to tell me it acknowledged? i have printed two copies of the charges along with you letter text above to the court manager. do i need to wait from them before i send another one to SCM (who are they)?

 

i was also wondering how long is it before you hear from the court?

 

cheers

[BARTY]

Hi

It will come up on the Moneyclaim website that it has been acknowledged, and then you receive a letter in the post about it.

When they acknowledge, send the letter to SC&M (these are Lloyd's Solicitors).

Lloyds have 28 days from when the claim was served (it is served about 5 days after you have done it) to enter a defence. When they enter a defence, you receive a copy of it the post along with an Allocation Questionnaire to fill in. The court will then get back to you with a court date, when you have sent the AQ back.

Hope that helps a bit, let us know if you have any more questions.

Barty:)

[Daliai]

do you know how long it takes to acknowledge? its just i haven't heard anything..maybe i'll call them. how do i know where to reach lloyds solicitors?

 

cheers

Dalia

[Daliai]

right ...just called money claim and Lloyds have acknowleedged the claim so now they have up to 8th jan ...getting nervous now but now way am i backing up..

[BARTY]

Hi

If you keep checking on the Moneyclaim website, it will come up on there if it has been acknowledged and then later if a defence has been filed. I know when I did my claim I was checking obsessively on there several times a day! Must get a life....

Barty:)

[Daliai]

Hi Barty,

 

They now have acknowledged the claim and have untill 8th Jan..i sent them the details of the charges..does this now mean that they will be unlikely to pay up?

[BARTY]

Hi

They will pay up, it'll be next year probably now. They will enter a defence next, then you will receive an Allocation Questionnaire to fill in. Once the courts receive your AQ you will receive a court date.

Barty:)

[Daliai]

Hey Barty..I'm getting nervous now as they have entered a defence and i will now get a questionaire..what will i have to do in court..will i need to stand up and defend my self ;-( help?

[BARTY]

Hi

It is highly unlikely it will get as far as the Court room, they normally settle before then.

Have a look at these links for details on filling in your AQ:

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

 

Barty:)

[Daliai]

Hey barty ..i just got back from honey moon and had found out that i had one day left to complete the AQ before its ruled out and case closed so i panicked and went to the court and filled out there quickly without taking time to attached all documnets and writing a detailed comment for the judge?? could this lose the case for me can i do anything at this point? a bit worried now as i have paid £250 so far in this case?? and how long does it take for me to hear back from them?

[BARTY]

Hi

I can't see it losing your case, can you remember what you put in section G, Other Information??

I would give the Court a ring and ask what is happening with your case.

Don't panic:)

Barty:)

[Daliai]

Dear All,

 

I have just received a letter with a court hearing date of 22nd March. has any one been taking to court that can give me some advice ..what do i need to do? it says to submit any eveidence i have before hearing- can any one advice??

[BARTY]

Hi

When does your evidence have to be at the Court by?

Have a look at these couple of links to help you:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

 

Barty:)

[Daliai]

Hi Barty

 

It has to be in by tomorrow..can i delay the date of the hearing at all?

[BARTY]

Hi again

When did you receive the Court date letter? I'm not sure about delaying the Court hearing. Anyone else help??

Barty:)

[Daliai]

it was sent on 26th Feb but i'm in the proccess of moving house so i only received it in the weekend? i had a look at al the stuff you sent through but there is far too much to read through and hand in my tommorow? any advice you can give me?

 

did you go to court ..if so what actually happens..do you also reckon that banks or solictors have access to this site and can see what we are writting?

 

do they need to send me their defence as i have had any corrospondence at all from LTSB since they wrote and refused my LBA ..

 

also want to ask i have paid £250 so far towards this case..how easy is it to claim this back plus the day off i have to take for the hearing? i thought they would pay up before this??

[BARTY]

Hi

Yes there is a load of stuff to print and that. How about ringing the Court, asking if you can have a couple of extra days to sort out your evidence as you have been moving house?? LTSB will also have to submit their evidence as well, and they never do this.

Chances are they will settle before the Court date, but if the Court has asked you to submit your evidence, you need to do so or your claim could be struck out.

You should have had a copy of their defence, seems a bit strange??

You will get your £250 back in your settlement, and if it gets that far and you take a day off work and they don't show, I think they will have to pay for that also.

I'd ring the Court if I was you.

Barty:)

[Daliai]

Hi Barty,

 

Thank you so much for your help and support-much appreciated!

 

I did call and they said i had to fill in a form and pay £35..do you think i should do this .. its extra costs at the same time i don't see how i can submitt all the info by tommorow?

 

did your actually get to court?

[BARTY]

Well I suppose it's better paying £35 than having your claim struck out.

They settled mine about 3 weeks before my Court date. They always settle before the Court date, but there have been cases where it's been the day before. I know it's a pain doing all the printing and preparing for the Court bundle, but just keep thinking of all the money you will be getting soon!

Barty:)

[Daliai]

Hey Barty- you have been a great help!

 

i guess you are right! i'd better apply for extra time if its not done by tomorrow..i'll try reading as much as i can tonight if i can send by tom. then i will..just to simplify things for me..what did you personnally sent out to the court before the hearing?

 

Cheers

D

[BARTY]

Luckily for me they settled before I started on my Court Bundle. Everything you need is in the links I gave you, you also need copies of your statements that have charges on, letters between you and Lloyds, etc, it's all there in the bundle link.

Happy Printing!

Barty:)

[Daliai]

Hi Barty..

 

guess what! really confused about what happened!

 

I called the court and asked them to send me a copy of the form i have to fill in for the delay in court hearing...so because i'm moving out from parents it took a while to get it but i just logged into my llyods current account and found my £1850 deposited from money claim...now i have a question...i didn't GET THE MONEY I PAID FOR THE ALLOCATION QUESTIONNAIRE? do i call them and ask for it or do you not get that back? that's great though! I'm sooo happy since we are broke too:-) thank you evey one for your help!!