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    • I've not read any posts but was aware of the case...but that was one judge and a circuit judge in this instance...but most district judges would stick to the norm and accept that sec 78 is not applicable to current accounts as they are excluded due to part V   You can still request documentation for current accounts using 74A 74B...although none compliance would not render them unenforceable but could assist in any defence challenging a claim.   Alternatively you  could use sec 61 CCA1974 in questioning the enforceability if we run with  HHJ Walden-Smith given that she insists a current account is a regulated running credit agreement.
    • Can you please confirm if the £4k was actually paid into your bank account, as this has not been established in your thread. Be also aware that even if funds have been transferred to you, he could attempt to get this reversed by his bank.
    • Hi, I lost my job last March, claimed JSA...got a job August-December..then got laid off so claimed JSA again very briefly...then got another job in January. I have not earned enough to have paid any tax and so am trying to claim it back. However, HMRC are making it very difficult. On my personal tax account online (gov gateway) I can clearly see both jobs and earnings reported. Both JSA claims say £0. I contacted HMRC who told me they needed info from JSA to process my claim. I spoke with them and then  HMRC told me they had now received two P45s from JSA but were now waiting for the P60 from my employer. They now have this but now say that they need another P60 from my previous employer that I worked for August to December. I thought that this is not correct and that I will only receive a P60 from my current employer, the one I started to work for in January? As I left that other job in December, I was issued a P45 and gave this to my current employer. Surely it's the P45 the require and should have already received? The earnings are showing online and so I feel like I've hit a brick wall with this unless the adviser who I spoke to on the tax enquiry line is wrong. Any advice please?? Thanks.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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mjanet v lloyds :** WON ** UNCONDITIONALLY


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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

 

That's it Janet.....I knew you could not let it go!!!! this is the best way, you let them know Lloyds won't accept their cheque until it has gone through the usual clearing process and at the same time cover yourself and accept it........well done!!!!

 

Funny of you to query their relationship :D I wonder what the solicitors think about this whole episode, I would like to know what their legal fees are for it all :confused:.it beggers belief they took it this far.......now, should we start taking bets on whether the cheque will bounce!!!!! :D

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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I have to say, I ask myself the same question: I have currently a claim for £25, yes £25, and have received a defence, and a hearing date. I can not help wondering whether the bank actually know they're being charged xxx pounds an hour for a claim worth £25!!!

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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

 

:rolleyes:

 

They are definitely slipping. They should have offered you special cheque clearance and then charged you for it!.

 

Also they could have taken the opportunity to sell you some DDI (derriere detatchment insurance) for when you laughed your a**e off.:D

 

Elsinore

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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I have to say, I ask myself the same question: I have currently a claim for £25, yes £25, and have received a defence, and a hearing date. I can not help wondering whether the bank actually know they're being charged xxx pounds an hour for a claim worth £25!!!

 

I am pretty sure in Janets case the legal fees will be way above what they refunded to her, and in your case .......well it doesn't bare thinking about does it!! :D I wonder what their shareholders would say about the way they squander money!!! ;)

 

Makes you wonder if it is worth buying a few shares so you can attend the next AGM and voice your opinions :D

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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Janet,

 

 

Just wanted to say a big well done to you.

 

 

I sent my allocation questionaire back on Monday still no word from anybody Lloyds have until next Thursday to issue theirs.

 

I will definatly not be exepting any terms or conditions I want all my money back they took from me when I was in dire financial difficulties.

 

How dare they demand terms and conditions when you are suing them to get your own money back.

 

The defence is very weak and I can and will pick holes in it,when we go to court,

which I am looking forward too.

 

You are an inspiration to anybody in this proccess. And I read your thread with interest and glee that you did not cave in and neither will I.

 

Once again well done and thank you.

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  • 2 weeks later...

I've just registered on this site, hoping to find out how to claim back from Lloyds - MJ you've given me real hope and belief that I can do something about this!

 

I peed my pants laughing at some of your responses - hilarious!!

 

Clams.... hehehehe

 

Thank you for standing up for yourself, and in turn for all of us x

15/2/07 Lloyds TSB number 1 account settled in full :D

20/2/07 5% donation to site :) thanks guys!!

My advice or opinion is offered in good faith but without prejudice or liability. It should not be considered as legal advice. If in doubt, seek advice from a qualified legal professional.

 

"Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure" - Marianne Williamson

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Hi

 

What an inspiration this site is - especially this thread - it's absolutely fantastic.

 

I have just sent off 2 SARs yesterday by recorded delivery. One to Lloyds for 2 accounts and one to HSBC for my partners account. Lloyds owe me about £1500 and have no idea about HSBC but it should be a tidy sum.

 

I will definitely be referring to this site to give me guidance - and will hope mjanet will not be offended if others use her letters etc as templates for their own.

 

MJANET - loved your speech in the bank.

 

Keep up the good work everybody.

 

Debbie

Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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an absolute classic thread.

 

hope i am as successful and it has been a great help.

 

i have a few accounts with £50-£100 charges which i wasnt sure to follow up but after seeing the £25 post i think i will do them all

 

thanks again

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I will definitely be referring to this site to give me guidance - and will hope mjanet will not be offended if others use her letters etc as templates for their own.

Debbie

We are all here to help and support each other , if anyone sees a letter posted anywhere on this site that they want to use then use it .That is why everyone posts them.

I must admit though that not all the letters where my own work

 

Please do not mark your letters 'without prejudice ' as I had made a mistake by doing this.

  • Confused 1

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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janet, you inspire me, and along with the help of everyone else on here, I've got the strength and confidence to take both Lloyds and some ****** bailiffs right now ! I feel so empowered and I've only been posting for a short while.

You're like my long lost family, I've just found on the Opreh Winfrey show......did we all get lost at birth..lol..I'm just so chuffed to have joined up with you all.

Thanks and well done girl X

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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OMG, you are such a star!

 

I have just joined today and found this thread. I thought I could write letters but this has been the best reading I have ever done.

 

Libby1971

About to take on LloydsTSB, I think.

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We are all here to help and support each other , if anyone sees a letter posted anywhere on this site that they want to use then use it .That is why everyone posts them.

I must admit though that not all the letters where my own work

 

Please do not mark your letters 'without prejudice ' as I had made a mistake by doing this.

 

Hi Janet

 

Hope you do not mind, When new people come on about Lloyds, I have refferred then to your thread

 

I am Very close now to closing this, Few days ago received a letter from their solicitors, Same as yours I think, so its only a Couple of weeks before its all settled now I feel

 

Your thread is an inspiration, and I fully agree, the templates, and other letters are only really a guide, and should be adjusted to suit, and basically, sit back and wait until you get a letter back from the financial institutions, but one way or another, they will pay back what they have unlawfully taken

 

BTW - Well done:p :p

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane 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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God this has given me a laugh LOL. I am almost bursting with excitement now for when we take on Lloyds, just waiting for the statements to arrive for hubby's old account and he was useless with money, so there will be a fair whack I reckon. Well done matey your emails and letters were superb and truly inspirational, shows us all not to be afraid and go for what is rightfully ours, with NO CONDITIONS. Maybe we should start stipulating conditions on how we want the money..."yes I'd like it all in 20p pieces please...." LOL.

 

CONGRATS. :):):)

My opinions are just that, I will help if I can but I am NOT a professional. If in doubt seek legal advice.

READ THE FAQ'S BEFORE ASKING A QUESTION! THEY ARE THERE FOR A REASON! AS IS THE USER-GUIDE!

 

My active claims:

Owed £150 from Barclays.

Husbands claims:

Owed £1049 from Lloyds.

 

Glorious Victories!:

Barclays Joint Account- Settled £823.

HSBC Joint account-Settled £50.

Studio- Settled £80.

HSBC Student account- Settled £560.

Lloyds Credit Card- Settled £72.

Freemans- Settled £40.

Abbey Joint Account- Settled £330.

Waiting till all claims settled then Donation-A-Rama.

:D

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Well done Mjanet - I'm going to do a simlar with my claims. Of course, will keep everyone updated on my own threads! (All my threads have un1boy in them!!)

 

Please do not mark your letters 'without prejudice ' as I had made a mistake by doing this.

 

Just a quickie - how did you make a mistake? What does without prejudice mean etc?

 

Thanks.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Well done Mjanet - I'm going to do a simlar with my claims. Of course, will keep everyone updated on my own threads! (All my threads have un1boy in them!!)

 

 

 

Just a quickie - how did you make a mistake? What does without prejudice mean etc?

 

Thanks.

 

Without prejudice means it can't be produced in court ,when in fact if you do end up in court you would want to be able to produce your letters

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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May I also point out that there is no unilateral imposition of confidentiality in these circumstances as you must fully realise and for you to say otherwise is an abusive deception .I will pass any more disinformative correspondence from you to the Law Society who no doubt will decide whether this is a matter of discipline or merely requires more Continuing Education points.

 

What exactly does this mean? lol

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Sorry, I was being thick - it means that they can't just automatically make you keep it confidential, is that right?

 

Soz, had a busy day!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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It means that a solicitor cannot deliberately mislead you as to the law when acting for the other side.

 

In other words whilst they can claim you have no case as their client's position is "whatever" they can't claim that you have no right to pursue their client because the law says so when it doesn't. They can't make statements they know to be false

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What exactly does this mean? lol

In plain english .. they where trying to tell me that I was unable to talk about the letter they had sent me as they had marked it ' without prejudice , in confidence etc etc ' when in fact this was totally untrue ,I had signed no confidentiality agreement and NEVER would , so as has already been explained above they are not allowed to mislead on points of law and the law society would take a dim view of it.

  • Confused 2

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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Mjanet, my name is andy and i'm in the process of chellenging lloydstsb over their excessive bank charges. I have sent off my request for 6yrs statments, and would appreciate any information or guidance that you could offer me, to assist me with my action.

Regards,

Andy.

Best Regards,

 

Andy.

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Mjanet, my name is andy and i'm in the process of chellenging lloydstsb over their excessive bank charges. I have sent off my request for 6yrs statments, and would appreciate any information or guidance that you could offer me, to assist me with my action.

Regards,

Andy.

 

Hi Andy, I just replied to you about the Transcript and Sound file on my thread.

 

But If you follow M Janets thread, My thread, and many others, you will get all the guidence needed, I am in the last stages of M Janets thread in my case, and Waiting for the responce back after my letter back to their solicitors.

 

 

Andy please start your own thread where you can ask questions and update it at each stage.You can then get more informed answers and it will save you hi-jacking other threads ,Janet

Regards

Sophie

 

Thank you

 

Please Note

Advice & opinions of Sophie-Jane 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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Hi Andy. At the top of this thread you will see the words Lloyds Bank in bright blue. Click on that and you will be in the LTSB forum. At the top left or bottom left click on New Thread. Give your thread a title and away you go!:)

 

Elsinore

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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  • 4 weeks later...
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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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