Vicky vs Lloyds

[vckyjam]

Hi closey thanks for the reply! Well i hope they dont send it to Northampton as i come from Bristol lol ( think you you were reading the post when i was telling someone i was going to Northampton for the weekend)

 

Well i think i will just sit tight- Got a feeling they may use this as a excuse to hold everything up (as expected)

 

 

Vic

[closey]

When you file with Moneyclaim it is always dealt with by the Northampton County Court. If your claim goes so far as the Allocation Questionnaire being sent it will be transfered to your local court.

[vckyjam]

oh lol lol lol- Dont i just feel stupid now

[closey]

Nah!!!

[vckyjam]

Hi just an update- Claim was aknowledged on the 18/08/06- they have a further 2 weeks to enter a defence......i bet they will drag this out as long as poss

 

 

Vic

[vckyjam]

Should i put this in the litigation ?

 

Claim number 6QZ54925

Amount claiming $3686.10 (using a non english computer cant find pound sign)

 

moneyclaim issued 15/08/06

 

acknowledged 18/08/06

[Michael Browne]

PM a Mod with the details.

[vckyjam]

Still no news- I read a thred today in which a case was chucked out because she didnt send a list of the charges with her claim. This has concernd me as i filed my moneyclaim on line, and there was not a option to attach it.

 

I have the spredsheet ready to send to them once i know if they are going to defend. I did send a break down of charges to them in my 1st and 2nd letter. This is such a pain- As im trying to do this right- But it seems to set you back when doing money claim on line.

[vckyjam]

To be on the safe side- I have e-mailed northampton court with a copy of my charges and intrest.

 

Better to be safe then sorry- These banks are trying any tactic they can think off to drag their feet- Makes me so MAD.

[vckyjam]

Hi guys and girls. Thought it might helpfull to add the moneyclaim (online) e-mail address, as your limited for space you wont be able to attach your list of bank charges and intrest etc.

 

Not sure if this is the correct way to do this but if you read the thred below it may come in use .http://www.consumeractiongroup.co.uk/forum/lloyds-bank/27282-case-struck-out-beware.html

 

Its not easy to find but the e-mail address is [email protected]

 

Vicky

[vckyjam]

Having a blond moment here!

 

when does the 28 days count from? is it when it was served? lloyds acknowledged the claim on the 18/08/06 i was sent something in the post from the court with a tick inside the box saying they were gonna defend. But on MCOL it just says "Start" i have nothing at all from them!

 

Sorry this is long winded- just want to be sure that i can request judgement on the correct date (if i can do that)

 

vic

[vckyjam]

Hi

 

Could anybody tell me when i can file for judgement..... Is it 28 days after it has been served? Im getting confused.....

 

Vic xx

 

ps sorry for the new thred my post hasnt been aswerd yet i thought i would stand a better chance if posted a new one>

[dollies01]

fourteen days after its been served, if it hasn't been acknowledged

[barracad]

Threads merged - there are over 67,000 members so sometimes you will have to wait 28 minutes for an answer unfortunately - but please do not start new threads.

 

28 days counts from the date it was deemed served.

[vckyjam]

Threads merged - there are over 67,000 members so sometimes you will have to wait 28 minutes for an answer unfortunately - but please do not start new threads.

 

28 days counts from the date it was deemed served.

 

Hi Barraced- i waited 4/5 days not 28 mins. i understand that people should not start new threds willy nilly and the mods are very busy.

 

- Thanks you for your reply.

[vckyjam]

Looked on moneyclaim today and Lloyds have entered a defence. Guess i just wait to hear from them.

 

hope its not too much longer now

 

 

Vicky x

[reload]

Probably another 3-4 weeks Vicky. You'll get a copy of their defense along with an Allocation Questionnaire from the courts shortly.

[adamski]

Hi Vicky

Seems strange i think we at the same stage as Lloyds acknowledged my claim on the 17th August a day before yours, and Loyds still have not entered a defence, they have until midnight tonite.

I wonder what the difference in our claims is?

I wonder if it is the amount mine is £2508 and yours is higher, or maybe our POCs are different

Your thoughts

Regards

adamski

[vckyjam]

thanks reload, adamski ,my claim is a whopping $3700 (grrr cant find pound sign on this computer)

It will be even more once i claim back the aq money!

 

It just so happends that i recieved the defence today- seems all standard stuff.

 

I think that they have so many of these claims going through they are bound to miss some. In the long run tho think it takes longer when judgement is requested, as they always ask for a stay......but still hitting that judgement button must feel fantastic.

 

I have a question- when/if i get my money back i intend to pay off my lloyds credit card! so really its like getting money of peter to pay paul.....should i inform them that i will do this- Or should i just keep quiet about it?

 

Wish i could spend the money on nice things, but i just wanna be debt free.

 

Vic x

[Nasha]

Hey Vicky,

 

I beleive that is completley up to you how you receive your money back.

 

Personally I would keep quiet about the credit card, and ask for a personal cheque from them.

 

That way if you have a sudden change in circumstances etc, its still your choice as to what you do with the cash.

[miapia]

hey everyone. Got the usual reply back from Lloyds TSB saying that basically they were so sorrrrrry to hear i was upset with the charges but they still would not refund them and this was their final response. So now do I go to LBA and see what they say?

 

Pwease someone let me know.

 

Miapia

[closey]

Vicky, I agree, I would keep quite about what you want to use the money for until it is in your hand. However if you do have CC debt, of course it would be sensible to pay this off. Have a look a MSE website for lots of useful info about CC's.

 

Miapia, you really need to read through the FAQ's, everything you need to do and every step you need to take is detailed there. Did you give them 14 days in your LBA? Have those 14 days expired? You also need to start your own thread to get a note of your progress and ask questions relating to your claim.

[vckyjam]

Thanks Nasha and closey.

 

Gonna send the AQ on friday> I was gonna send them a copy too! What is the reason for sending them my copy- does it speed things up? or is it to just to be polite?

 

Vic

[closey]

A bit of both to be honest Vicky!

[vckyjam]

Well Aq with the courts- Ended up to be a nightmare. I decided to go into the courts and hand deliver it. As i went up to the counter and the guy asked me for th £100 cash (plus the extra 2 pounds for photocopying it) i went to get my purse out my bag....and guess what it wasnt there. I stated to panic, walked about 20 mins to get to my car to see if my purse was there and it wasnt....i almost started to cry at this point, but then when walking off found my purse on the floor...I couldnt believe it. As the courts were about to close, i rushed to thte post office and got a postal order which cost about 5 pounds and sent it by recorded mail.

 

As i was in such a fluff about losing my purse that day it wasnt till yestaday i rememberd i have not sent the aq to S&M ......Panic again phoned the courts and they told to me to e-mail them and they should send it on my behalf.

 

So now its the waiting game. Hope the courts send my AQ to them. I need a drink lol

 

Vicky