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Tom vs LLoyds TSB **WON**


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well it's my birthday on Sunday, so an early pressie would be nice...if not an early Xmas pressie would do the job too..........

 

Oooh, hope you get it for your birthday. Im not holding my breath, because [problem] seem to employ more delaying tactics than Lloyds themselves. I'm glad i sent my letter to them recorded, or they'd have just asked me to send another! :mad:

 

I'm keeping my fingers and toes crossed for you!

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

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I'll phone 10 on Fri morn, so they've had a chance to have a coffee and open their mail..........with instructions from Lloyds telling them to PAY US ALL OUT !!!!!!!!!!!!!!!

I'll come on here on Friday night so watch this space.............

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Had a slightly more helpful conversation today with [problem], they are getting Mr Thomas, who deals specifically with all of these claims to give me a phone call tomorrow... Hopefully this will all be resolved by then!

 

I have had other thoughts about changing my mind about charging them interest at 8% and making it the contractual interest rate which for Lloyds is 29.8%, but i'm guessing that it's a bit late in the day to do that! Would I be right in saying that i'd need to amend my claim and pay the extra £35?

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

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Yep!

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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Yep!

 

Do you think it would be worth my while anyway? I'm undecided! Would get me an extra £150, minus the £35 fee to modify my claim.. Not sure whether its worth it or not for the hassle!

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

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Personally, I'd say not. You've likely not mentioned the contractual interest rate in any of your letters to Lloyds - and, heaven forbid it happening, but if it did come to court I'm not certain how a judge would look on changing the case to claim a larger amount at this late stage. I wouldn't, myself.

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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I'm pi$$ed off tonight, I was looking forward to phoning them tomorrow but after seeing Molly's post..if I phone the court first and they say January 07 to me, I'll just cry !

Then phone sechiari and get the run around there too !

I can't work out what's going on ?

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Well, another call to [problem] and not much new.

 

Mr Thomas is (again) out of the office for the rest of the day. What a surprise! The lady did, however, tell me that my letter requesting settlement has now been forwarded to Lloyds for their consideration.

 

Let's hope that they are smart and decide to settle quickly!

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

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Share on other sites

have a look at my thread, Mr. Thomas called me today and I was out.....that could only happen to me............I've left him a return message for him to come in to on Monday morn..and I'll phone him when I get back from the school run ....xx

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Well i've had a good day today! I can almost feel the money between my fingers!

 

First thing this morning, I received a letter from the court, telling me that my case would be heard on 13 November 2006 at 14:00. This is sooner than i'd expected! Very happy with that.

 

So, I rang up [problem] and managed to (finally) get a word with the elusive Mr. Thomas. He seems like a nice, co-operative person actually. He informed me that Lloyds have had my claim letter for two weeks now, but they normally give their client 21 days to decide whether they will settle or not.

 

However, after informing him of the upcoming hearing date, Mr Thomas told me that he would ring up Lloyds bank and chase them up for me today! Here's hoping that i'll receive something in the post in the next few days! :D

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

Link to post
Share on other sites

when I spoke with Mr. Thomas ( see my thread ) he wasn't that helpful..just kept saying that they would give Lloyds 21 days to come back to them......

 

anyway, I was told last Thursday that sechiari were sending me a leter on Friday, but they wouldn't tell me what's in it.

 

If I get it tomorrow ( Monday ) I'll post in my thread what it's all about !

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Share on other sites

  • 2 weeks later...
when I spoke with Mr. Thomas ( see my thread ) he wasn't that helpful..just kept saying that they would give Lloyds 21 days to come back to them......

 

anyway, I was told last Thursday that sechiari were sending me a leter on Friday, but they wouldn't tell me what's in it.

 

If I get it tomorrow ( Monday ) I'll post in my thread what it's all about !

Now i've spoken to [problem] - i'm also expecting a letter either tomorrow or Monday from them. Let's hope its the settlement offer one!!

 

Im nearly there i think! Will be a shame almost for them to settle before court - i've just printed out over 200 pages worth of statements, case law and common law to present to the court!

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

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Share on other sites

Thourb, you'll be sure to keep us updated as soon as it falls through your letter box?

 

I'm wondering whether I'll get any correspondance before my allocation hearing mid November. I'm not pushing it, I won't jump through their hoops or get given the run-around either. I set them a letter today (was tempted to use a 2nd class stamp to prove i was soooo laid back, but went for the 1st class) giving them a copy of my AQ, tellling them my fax number and wrote "I look forward to meeting a member of their team at the up-coming hearing on 15th November"

 

The above was also sent by fax. I won't pay to get everything recorded delivered. As I have had no direct correspondance from SC&M, do they send their mail to claimants recorded?

 

Be good! 8-)

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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Tom, you heard anything ?

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Share on other sites

This board will be the first place I come to if anything arrives in tomorrow's post!

 

The only previous correspondence that i've had from [problem] was a copy of their AQ - and that wasn't sent recorded! The accompanying letter was printed on extremely high quality paper though!

 

Will be in touch in the morning!

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

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Share on other sites

yeh that heavy grey textured stuff......that's why they drag their cases out so long.the extra dosh keeps them in fine stationary lol....and oh yeh..loads of days out of the office ....

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Share on other sites

Christ! I think Mr. Thomas spends more time out of the office than he does in the office! That guy should do some work hehe!

 

I've left him 5 messages in the past week and he hasn't called me back once!

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

Link to post
Share on other sites

someone at Lloyds told me that he was one of the partners, so I guess he pleases himself eh.........

 

I don't envy him one bit though, I couldn't do his job.....not that I'd want to, I just have too much of a concience to mess people around like him and his company does.......

 

I have my own outlook on defence lawyers..............they're trying to get the bad guys off and they'd sell their own GrandMother to do it.........you've gotta be pretty thick skinned to be able to stand up in court and deprive a claimant or in other awful cases, sometimes the victim, of true justice...........

 

So I wouldn't do his job even with all his days off and possible lavish lifestyle, give me honest working class any day !

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Share on other sites

someone at Lloyds told me that he was one of the partners, so I guess he pleases himself eh.........

 

I don't envy him one bit though, I couldn't do his job.....not that I'd want to, I just have too much of a concience to mess people around like him and his company does.......

 

I have my own outlook on defence lawyers..............they're trying to get the bad guys off and they'd sell their own GrandMother to do it.........you've gotta be pretty thick skinned to be able to stand up in court and deprive a claimant or in other awful cases, sometimes the victim, of true justice...........

 

So I wouldn't do his job even with all his days off and possible lavish lifestyle, give me honest working class any day !

 

Amen!

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

Link to post
Share on other sites

Nothing in the post from [problem] today :(

 

Perhaps it will come on Monday...

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

Link to post
Share on other sites

Grr! Nothing in the post today!

 

Maybe they sent it second class :/

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

Link to post
Share on other sites

Spoken to [problem] again today to chase their letter up. Apparently they sent it to the wrong address! Whoops.

 

However, I had the fellow on the phone read the letter to me and it is the standard "we think you're wrong, but due to legal cost implications we will settle in full anyway" letter - subject to normal terms and conditions. They are sending it again to the correct address tomorrow - by special delivery!

 

Not sure whether to just take the money under their terms, as I have another bank account with NatWest which I will be using from now on - not Lloyds - so I really don't care about their settlement terms!

 

I'm sure they would settle regardless, but i can do without them trying to delay it until the 11th hour if possible.

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

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Share on other sites

Can I clarify what you did m8? Ive just revieved Lloyds defence documents and have filled in the AQ. Do you suggest on completion and return of the AQ to the courts I also send a letter to [problem] suggesting they settle in full?

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Yeah I sent a letter to [problem] suggesting that their client pay up asap. I will find the letter that I sent them and type it up for you...

Have you found my post helpful? If so, please click on the scales at the top right of this post! Please read the

FAQ's!

 

My Claims:

LLoyds TSB - Click!

NOW SETTLED: £760.58 received 1/11/06

BarclayCard - Click!

Claiming £350. Partial refund of £120 received.

Moneyclaim deemed served on 30/9/2006. Darn it, defence filed 4 hours before deadline!

 

Capital One - Click!

Claiming £190. Partial refund of £72 received.

Sent LBA on 24th September. Cap one won't refund me.

Going for contractual interest on this one, after Lloyds and Barclaycard pay up!

 

Questions about posting? Clicky here :D

Link to post
Share on other sites

Tom I'm in exactly the same baot as you mate, but they've supposedly sent me two letters now confirming offer of settlement..I'm faxing them to ask for the accurate dates of posting so I can ask Royal Mail where they've gone !

The problem is, mate if we accept all their conditions they'll jusy keep doing this to everyone and bully them in to accepting what ever Lloyds say to them.........I do understand your position though as if I'd accepted straight away, I may have had the cash by now !! but then going by their recording of sending things out, it would have still been delayed...

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

Link to post
Share on other sites

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