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    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject.   My original  CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  So at a loss as to why the sudden loss of response from them.   Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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KJB v Lloyds ** WON **


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As well as claiming back my own Bank Charges, I've now Started to help my wife to also claim hers back from Lloyds.

She sent letter to request 6 years of statements - arrived at her bank by recorded delivery on 16th June.

Still no reply - 4th July.

I this typical of Llyods delaying tactics? :mad:

Does she need to send them a further letter reminding them that the 40 day clock is ticking?

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Might be worth giving their data compliance department a ring (I believe the number is in the contacts thread at the top of this forum), just as a gentle reminder ;)

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 KJB

i sent my Data Protection Act on the 8th june recorded delivery. Got my information last week, 29th june. So if they keep to the same time frame you should get it by the end of this week.

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I sent my data prtection on the 8th June too it was received by Penny Berryman at the Chiswell Street address, still nothing , i phoned the copy statement unit at Swallow House Birmingham and they said they had received nothing, and said they would put a "log ono it" whatever that means, im hoping for something i nthe next few days.

Regards

adamski

 

 

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Variety of statement information arrived today.

Sifted through it and found several terms across the 6 years for charges:

'Unauthorised Borrowing fee'

'Charges from to , Service Charge' ( often a set fee of £5 when she went over O/D limit)

'Overdraft usage fee'

'O/d Excess fee'

Wanting some advice I assume my wife can claim all of the above?

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We've totalled up what we think is owed.

Assuming all the above charges are OK to claim back it will be:

£540

Does anyone know if all the charges on the previous post are able to be claimed?

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O/D Excess - Yes

Overdraft Usage - Yes

Unauthorised Borrowing - Yes

Service Charge - I'd say no to this one.

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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Thanks for the reply reload

Part of the reason why We think we might be able to claim the 'Service Charge' is that 1 month it is called Service Charge with associated dates - then it changes to Overdraft Usage fee - charging the same amount for the next 2 months ( before charges start to rise )

It is only £45, but better in my wife's pocket than the banks!

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  • 2 weeks later...

Recieved standard letter acknowledging receipt of complaint "...sorry...you're unhappy" but it'll take " 2 weeks to complete our enquiries"

Clock ticking from 20th - my wife's 2 weeks are up on 2nd August when the LBA will be sent

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  • 2 weeks later...

just to let you know that we are reading your posts but you seem to be getting along just fine :)

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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