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mjanet v lloyds :** WON ** UNCONDITIONALLY


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WOW, WTG matey xxxxxxxxxxxxxx

 

I love this forum

I love this thread

I love you guys

My inspiration

I feel like I've found a new lease of life

onwards and upwards

 

Freebird x

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 done Janet. Another one bites the dust.

BEFORE starting your claim read through the FAQ's and if there's something you aren't sure of then ask.

If you win, donate to this site

Contents of my posts are purely my own personal opinions, some formed by personal experience and some from research. If in doubt seek qualified legal advice.

 

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MJanet well done you are my new hero :D

 

Was that daily interest the 8% statutory interest thingy? Or something else?!

 

Well Done!

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MJanet well done you are my new hero :D

 

Was that daily interest the 8% statutory interest thingy? Or something else?!

 

Well Done!

 

Yes the 8% as we where not talking about claiming contractual interest when I put my claim in.

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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CONGRATULATIONS

you did fab. Wish you could fight for me... I may use some of your arguements if you don't mind. If I win I will donate to this website...

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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This is one VERY impressive thread, well done MJ!

LLloyds are one of those I intend hitting further down the line (have large overdrafts with them so I want to sort some others first, then use the proceeds to pay off the OD's then claim back again!

 

Love it!

:D

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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congratulations you did great!!

 

moderated : all smilies deleted as they link you straight to a spyware site

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Well done. a BIG UP for the little guys!!!!!

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

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VERY well done mjanet really like your style, this thread will help everyone see it through the end no matter what!:D

 

 

THANKS

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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Well done for holding out mjanet, you have recovered what is rightfully yours!

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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Wow Lloyds TSB are quick .....only 8 working days ........ to say I can't have my money.

 

6th March Data protection request sent by email

 

7th March email recieved back saying they recieved it

 

8th march email recieved (dated 15th march) saying they will send info requested

 

10th March I sent another D.P.A request by email for my C/C details

 

10th March email back saying they recieved it

 

13th March email recieved saying they will send my C/C statements in

conjuction with my bank statement request

 

14th March bank statements recieved by post / manual intervention notes... no manual intervention when charges deducted

 

14th March letter before action sent by email , giving them 14 days to

repay me ( yes I know I missed a step , lesson learnt don't do important stuff when 3 kids are playing up around you )

 

14th March email back saying they recieved it.

 

15th March standard letter back by email saying ... NO.. refering me to banking ombudsman

 

15th March email sent saying I will let the courts decide on the legalities of your charges

 

When the 14 days are up I will start my claim , unless someone thinks because I missed a step I should do something else ?

 

waiting for my C/C info now but I'm not really exppecting to see any charges on them.

 

 

 

I too sent letter before action before the preliminary approach for payment letter, I used the credit card letters and bank letters in forum without even spotting the approach letter. These letters to CC and Banks just give the 14 days and then start claim against them.

 

What do I do know as my 14 days are up? Do I have to give them another 14 days and send the approach for payment letter, or can I just go straight in with claim, or write my own letter giving 14 days to respond satisfactorily?

 

Please help!! :???: What did you do?

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Hi please post that question in your own thread where I will answer it please do not hi-jack anyone elses thread ...........

 

 

especially not mine :D

 

 

 

edit

 

If anyone is interested I have answered jimruss here on the welcome forum

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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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I have been following this thread, and am delighted at your news. Well done. Most inspiring.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Absolutely rivetting read !!

 

Well done doesn't sum it up.

 

You showed these BloodSuckers where to get off !!

 

Gives me more confidence when I receive Barclays (laughable ) defence

 

Spotty

[sIGPIC][/sIGPIC]Statement request 4th May

Prelim Letter sent 24th May

LBA 7th June

Thanks but no thanks letter sent 22 June

MCOL 22nd June

Claim acknowledged 26 June

AQ sent 2nd August

17 Nov Court Date Set for 29 Jan 2007

Settled in full 12/12/06

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Just had a laugh in the bank ...........

 

Part of the conversation played to a queue of customers, queue growing longer by the minute

 

Me: I can draw on that cheque right away can’t I with it being a Lloyds cheque

 

Cashier 1: No, it’s a business account it will take 3 working days

 

Me: (in a loud voice) but it’s from your solicitors surely you trust your own solicitors to honour a cheque especially when it’s written on behalf of Lloyds

 

Cashier 2: we have loads of solicitors

 

Me: So don’t you trust any of them is that what you mean

 

Cashier 1: Oh do you have a mortgage with us is that what this cheque is for

 

Me: (in a VERY loud voice) No it’s a cheque to refund all the unlawful bank charges you have been taking from me ,you know when you go overdrawn and the bank starts charging you £35 well I found out they where unlawful charges so your solicitors have just repaid me them all on your behalf .

 

Cashiers: (silence)

 

 

 

so as far as this statement earlier in the thread I was wrong

 

 

it's a Lloyds cheque so it's like cash as in it will clear immediatly

NOW do I email the solicitors and tell me they owe me 30p (aprox ) :rolleyes:

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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Perhaps you should write to Lloyds solicitors and ask them if their cheques are kosha, as Lloyds say by their actions that they cannot be trusted he he

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Aww I can't really cos all they will do is send me another cheque then the same will happen again etc etc .Would be funny to though but I can't do it :(

 

I have to accept the claim is settled and behave myself , very hard for me :D

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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Extremely interesting thread, and probably useful for anyone that has problems when dealing through solicitors to settle their claim.

 

The crazy thing is that its probably cost more in solicitors fees to defend this case than your original claim.

 

However I would imagine that some banks would make it as difficult as possible for people to regain their money to serve as a deterent.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Aww I can't really cos all they will do is send me another cheque then the same will happen again etc etc .Would be funny to though but I can't do it :(

 

I have to accept the claim is settled and behave myself , very hard for me :D

Come on Janet you know you want too :D it would be fun :D.........are you weakening :D ......go on then take the money, you deserve it!! ;)

 

Chris

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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email recieved from solicitors

 

Without Prejudice - Confidential and Privileged

 

Dear Madam

 

Please confirm that you received our letter of 14 July 2006 and the cheque for the sum of £379.73 that was enclosed.

 

We should be grateful if you would contact the Court to confirm that the case has been settled as soon as possible.

 

Yours faithfully

 

 

My reply sent by email

 

Without Prejudice

 

 

Dear Sir ,

I recieved your letter and the cheque .I was about to write to the court today to say the claim was settled until I went to my branch and was informed that they had to wait for the cheque to clear.I explained it was a cheque from their solicitors on behalf of Lloyds and they must realise it would be honoured but they still insisted it was a buisness account and the cheque would have to clear.I think if Lloyds themselves are concerned over the cheque then I to must follow them and wait for the cheque to clear before informing the courts.

 

I must say though it does seem a very strange relationship between you and your client.

 

 

I am not going to be as petty as to inform you that the money is not in my account so the interest is not to date.Instead I am prepared to accept that cheque in full and final settlement of this claim.

 

 

As soon as Lloyds themselves are happy that the cheque is honoured and pay the money into my account then I will imediatly inform the court in writing that the claim is settled and send a copy on to yourselves, as you requested

 

Yours Truly

 

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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