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Let the battle commence LTSB!


nikki300
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Sent DPA letter 16th June (along with a letter to barclays, mbna & egg which i have received responses from already!) nothing from Lloyds to date so chased with and email attaching original letter to hopefully gee them up a bit. I see from other postings the Lloyds are not the quickest to respond (probably because they are dealing with so many!:p )

 

No idea at present how much i will be claiming yet but i estimate about 1500 ish.

 

Will keep you informed!

 

Fantastic site by the way- once i got familiar with it and found my way around - i feel alot more confident now although still a little nervous of doing the wrong thing and jeperdising my claim.

 

Good luck everyone else!

 

nikki300

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Welcome.

 

There's nothing to be nervous about. Just follow the tried and tested formula

and take your time at each stage. It's not a race and if you get stuck just post your problem here.

 

While you're waiting for your statements,keep reading and learning as much as you can

 

Goiod luck

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Well the email worked and I received my statements this morning as well as a seperate list of charges! Worked out 1900 ish and 2050 ish after the OD intrest was added, which was a nice suprise/shock.

 

So sent off claim by email and post so fingers crossed- it's so exciting!

 

Nikki x

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I need help please.

 

I've got myself in a bit of a knot!

 

LTSB sent me a full list of charges applied to my account, and also my statements for 2001. I can get all the amounts I need for the 'Request repayment of Charges' from the list of charges but it doesn't have the account balance at that time for the spreadsheet. Do I really need this column? Or do I need to chase LTSB for the rest of my statements?

 

Not seen any posting where anyone has received this list of charges so not sure- any advise gladly received!

 

Nikki x

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  • 2 weeks later...
  • 2 weeks later...

Gave LTSB the full 14 days as per LBA and filed claim to gloucestershire court yesterday! They said they had a back log of putting claims on system so should receive confirmation from them end of next week.

 

I'm getting nervous now as I'm due to have a baby in 5 weeks and I will have 2 babies under 13 months old (!!!!) so will have my hands very full so I'm really hoping this doesn't get too complicated!

 

Nikki xxx

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  • 2 weeks later...

Received acknowledgement from Lloyds disputing claim in full (this happened after approx 7 days- very quick!), so will have to wait for their arguement.

 

Needs to read up on what happens next, although as baby no 2 is due any day now really not really feeling like it :( .

 

Anyway this money will go toward buying myself a new horse in the new year so that's my incentive!

 

Good luck to you mollymoo!

 

Fingers crossed!

 

Nikki

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  • 2 weeks later...

Fingers crossed they forget to file the defense for you Nikki - but don't count on it!

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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True to form, this day (the last day) Llloyds entered defence (standard 'you were aware when you took account' blah blah blah), received AQ in post so completed and returned by hand straight back to court, guess I just wait for court date now.

 

Hopefully the end is almost insight now!

 

Nikki

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Hang on in there Nikki, not long to go now! In many cases (my own included), they offer a settlement a week or two after the A/Q deadline, although they do drag some cases out longer. Stay strong and keep reading up on all the relevant information on this site - knowledge is power remember!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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  • 4 weeks later...

Site not been letting me in for a few weeks, but all seems to be sorted now- touch wood!

 

Rec'd AQ from Lloyds sols asking for the standard 1 month 'to attempt settlement' (lol!), then received letter from the court imposing a STAY until 1st Dec. As you can imagine I'm gutted about this I was hoping to have a lovely christmas with my pay out and it looks unlikely now!

 

Will keep reading the forum to see anyway of getting court not to do this STAY, I've found a letter attempting to start communications with sols to settle so will do some reading up and try my luck.

 

Anybody else had this I could do with some confidence before I start direct communications with the sols?

 

Nikki

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Right... missed deadline to get stay put aside, with new baby etc. So will now write a letter every monday and phone every friday I think to give them every opportunity to settle. At least then I can prove to the court that I've made the effort!

 

Do they appreciate being pestered- I doubt it, this is so frustrating PLEASE PLEASE PLEASE give me my flipping money!

 

Nikki

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What was the stay for exactly?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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