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Business account successes

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GOOD NEWS !!!!!! LLoyds business claim(95 to 98)

I have a hearing .... application to have stay lifted on 28th May

although it is 3 months away, I hope Lloyds/ martin O Johnson will try to settle before then

I assume I would have to pay this £300 fee before the hearing ???????

 

this encourages me to apply for HSBC stay lifted


KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Excellent! A long wait, but as you say, they might be persuaded to settle in advance. Depends on how they view the pre-six year factor.

 

I assume I would have to pay this £300 fee before the hearing ???????

 

 

Yes, but I think i would be checking with the court as to how long before the event it needs to be paid, to avoid a discontinuation.

 

Els


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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Hi LC,

 

I don't know if this will be enough for bank to settle - they may decide to simply oppose the lifting of the Stay.

 

At least the delay gives you time to put together the best reasons you can find for the Stay being lifted.


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Saw this and thought of you - http://www.consumeractiongroup.co.uk/forum/barclays-bank/80397-martin3030-barclays-business-round.html#post1418471

 

Very interesting as it goes along the same lines as my letter to bank.


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How did the hearing go?

 

Thread moved to new forum for business claims :)

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I got my stay lifted, and a hearing about the pre 6 years limitation act to be scheduled within next 6 weeks.... cannot say much more, I am waiting for the instructions from the judge


KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Are you happy with arguing the limitations issue? I assume you are familiar with the High court case relating to the penalty issue. Do you have a copy of the T & Cs for the period claimed?

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Looking at my papers from Lloyds in 1997, they refer to the "consumer credit act" as the basis for a loan, which paid back charges and interest etc. I cannot find any T&C's from this period.

I will research the limitations act arguments when I get my next court date. I am in court again today to remove stay on my Midlands business claim


KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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I have a couple of letters received by myself from Lloyds upon the event of some charges upon a Business account.

They clearly present the charges as pertaining to costs.

They are from 2000 and 2001, so although not from the period included in your claim if they are now claiming a defence of "fees' or "service charges" these letters are indicative of concealment, and I do believe that any act at any time is sufficient to cite and invoke this.

 

I do also have a copy of their Business banking account charges leaflet from 1998 which very definitely states that such charges are levied to cover additional work involved on their behalf (and also states this occurs when you exceed your overdraft limit without prior agreement).

I can let you have a copy of this also (I did send it off to the CAG library, so it's available through there as well)

 

If you want copies of any of these send me a PM with an email address.

 

PM

  • Haha 1

---------------------------

ARE YOU A BUSINESS CLAIMANT?

CAG NOW HAVE A BUSINESS CLAIMS FORUM !

GO HERE !

 

CAN'T FIND WHAT YOUR LOOKING FOR?

Look here.

Got your old T&C's ?

Visit this thread to help others.

 

-----------------------------

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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sorry about delay in posting

I am still waiting for the court order following the lifting of Lloyds stay... over a week ago

The identical result happened yesterday for lifting of my HSBC business stay... same judge/same result

He quizzed me about what my claim is now following the test case result

He pointed out common law/no penalty.

I couldn't reply.... all I said was that the test case judge said historic T&C's might be different.(????)... I definitely need 95-98 HSBC T&C's.

They had a local solicitor there and she suggested asking HSBC main solicitor for the info... Also I might ask the bank


KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Excellent advice zoot

I still haven't had the court orders (LLoyds and HSBC)

I will phone both LLoyds & HSBC tomorrow and ask for relevant historic T&C's

I will also write to them/copy to solicitors saying that if they don't supply will put in part 18 requests. I am hoping it will flush them out and they will make offers


KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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court order arrived... 7th Aug to hear limitation as a preliminary issue

will need T&C's from 95 to 99 by then


KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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SUCCESS !!!!!!!!!!!!!!!!!!

LLoyds/Martin O Johnson have paid in full..... including compound interest going back to 1995

As usual banks will do almost anything to avoid going to court

this time the next hearing was to consider limitation

Historic terms and conditions seems to do the trick


KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Hi LC,

 

Fantastic news and I'm delighted for you ! :D

 

I hope this shakes things up a bit re Business claims.

 

CONGRATULATIONS


We could do with some help from you

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                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Absolutely fantastic - Well done :grin:


Steven

 

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Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

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Looks like They dont want to argue Limitation Act....:D

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Brilliant news- well done!:D


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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Nice work.

 

Please donate something if you can, things have been a dry on that front lately.


If I have been helpful please click on my star and add a comment.

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CONGRATULATIONS!!

 

Well done, LC.

 

Good news for business claimants and for LTSB claimants in particular!:D

 

Best wishes

Els


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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:D

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Donation made


KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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Great.

 

BTW in all the exitement-no one remembered to change the header....so am delighted to do the honours and add the magic words.

Will leave here so that everyone can see it :D


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Pm a team member to get your thread moved here if you win.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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