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    • The coffee giant is suffering as customers "lose it" over price hikes and other controversies.View the full article
    • Victims as far afield as Singapore, Peru and the United Arab Emirates fell prey to their online scams.View the full article
    • The Contract itself The airport is actually owned by the Ontario Teachers Pension Plan. There should be an authority from them for Bristol airport group  to sign on their behalf. Without it the contract is invalid. The contract has so many  clauses redacted that it is questionable as to its fairness with regard to the Defendants ability to receive a fair trial. In the case of WH Holding Ltd, West Ham United Football Club Ltd -v- E20 Stadium LLP [2018],  In reaching its decision, the Court gave a clear warning to parties involved in litigation: ‘given the difficulties and suspicions to which extensive redaction inevitably gives rise, parties who decide to adopt such an appropriate in disclosure must take enhanced care to ensure that such redactions are accurately made, and must be prepared to suffer costs consequences if they are not’. The contract is also invalid as the signatories are required to have their signatures co-signed by independent witnesses. There is obviously a question of the date of the signatures not being signed until 16 days after the start of the contract. There is a question too about the photographs. They are supposed to be contemporaneous not taken several months before when the signage may have been different or have moved or damaged since then. The Defendant respectfully asks the Court therefore to treat the contract as invalid or void. With no contract there can be no breach. Indeed even were the contract regarded as valid there would be no breach It is hard to understand why this case was brought to Court as there appears to be no reasonable cause to apply to the DVLA.............
    • Danny - point taken about the blue paragraphs.  Including them doesn't harm your case in any way.  It makes no odds.  It's just that over the years we've had judges often remarking on how concise & clear Caggers' WSs have been compared to the Encyclopaedia Britannica-length rubbish that the PPCs send, so I always have a slight preference to cut out anything necessary. Don't send off the WS straight away .. you have plenty of time ... and let's just say that LFI is the Contract King so give him a couple of days to look through it with a fine-tooth comb.
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Lloyds TSB overdraft problem


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Hi, I'm hoping for advice about my Bank account. Again.

 

A year or so ago I went through the procedure of reclaiming my illegal bank charges (thanks to the people on here) and was very happy with the result. Unfortunately I came out of work a while later and had to go back into my overdraft to pay the bills and put food on the table while I was looking for another job. I was £800 into a £1,000 overdraft, but Lloyds TSB sent me a letter to say that I no longer had this overdraft and I had to pay the money back that I somehow now had borrowed without their permission. As I was under stress and struggling to get by, I buried my head in the sand and ignored them. Very stupidly.They say I now owe nearly £1,500 because of the charges. I have my wages paid into my girlfriends bank account now because when I first started work again, Lloyds would have swallowed my wages up right away for the first few weeks.

 

I am earning not bad money now and would love to start again with a clean slate after paying my debts off. Can anybody advise me how to best approach this situation please? Could I arrange to pay them back a few pound a week? Can I have any of these charges removed?

 

Sorry for messing it up after I have already been helped on here.

 

Thanks.

 

US.

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Hi, Lloyds are good at playing hardball but if you are no longer using the account then you are in a reasonably strong position. They will use every DCA in the world to chase the money, but you are perfectly within your rights to claim the charges back again. And of course the interest they have added as well. Did they remove your overdraft out of spite after you had reclaimed your charges?

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 3 weeks later...
Hi, Lloyds are good at playing hardball but if you are no longer using the account then you are in a reasonably strong position. They will use every DCA in the world to chase the money, but you are perfectly within your rights to claim the charges back again. And of course the interest they have added as well. Did they remove your overdraft out of spite after you had reclaimed your charges?

 

Goldlady,

Can you explain a bit more about how the DCAs and Lloyds should be dealt with if they keep chasing - as my position is that i am in the process of claiming back charges but through the services of Conkers a department of Brunel Franklin and all actions have been stayed so how do i communicate this effectively to LLoyds that the account is in dispute and they therefore cannot take any action and who should i write to. I used Conkers well before i found this site otherwise i would not have.

 

Ruby

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Depends on whether you owe them more than they owe you or the other way round. In our case they owe us £1k so we are pretty rude to whoever tries to collect the 'debt'

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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