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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
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    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
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Foot Anstey Solicitors Plymouth?? A little concerned now-reassurance please!


jodybuk
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Hmmm, also have an alliance & leicester account with only about £100 of charges, was going to see how I got on with Lloyds & maybe try them aswell but don't want to have that account closed down so maybe I won't bother.

Are they known for closing accounts after settlement?

Do lloyds also do this?

Thanks

I HAVE ALL THE MONEY I'LL EVER NEED - IF I DIE BY 4 O'CLOCK THIS AFTERNOON!!:-|

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Then its personal to you so there is no difference betrween this and a "normal" bank acccount

 

Go for it

J

You may think that but . . ......

____________________________________

Total repaid to date £1947.58

 

Lloyds Currrent a/c £745.27

Moneyclaim filed 17th June

Defence and AQ 25th July. Case struck out 11 Aug

reinstated and hearing 15th Jan 2007

 

Lloyds loan a/c D A request expired 19th June

Proceedings under S7 Data Protection Act issued 29th June defence and counterclaim 27 July

Hearing Jan 3 2007

Listed final hearing April 2007-

Judge declared an interest and disqualified himself

new date to be set

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I have seen on another thread here ( which I now can't find) that Ltsb have offered to partially settle a claim with a number of conditions.

One of these was that the account was now run within their terms.

Does this mean that if in the unlikley event anyone agreed to those terms that Ltsb can snatch back the refund as soon as that account goes overdrawn?

Another one of their demands was confidentiallity- how would they know if we blab ?

Presumably we are the ones that set out conditions not them, are other banks paying out conditionally?

Jody

I HAVE ALL THE MONEY I'LL EVER NEED - IF I DIE BY 4 O'CLOCK THIS AFTERNOON!!:-|

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I have seen on another thread here ( which I now can't find) that Ltsb have offered to partially settle a claim with a number of conditions.

One of these was that the account was now run within their terms.

Does this mean that if in the unlikley event anyone agreed to those terms that Ltsb can snatch back the refund as soon as that account goes overdrawn?

Another one of their demands was confidentiallity- how would they know if we blab ?

Presumably we are the ones that set out conditions not them, are other banks paying out conditionally?

Jody

Hi Jody,

 

Really what it is implying is; accept this partial offer and we can charge you as we like and you agree not to submit another claim.

Most if not all of the banks are sending out similar silly letters.It could be seen as another form of intimidation,from the bully banks.If you get one of these letters just use the template letter,Rejecting offers;

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

LINKS....

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

There is also live chat, visit if you need any quick advice.

http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

Finally good Luck.

Happyolddog.

 

If my advice helps please tip the scales, left.

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Hi

I have received a letter today from Lloyds bank saying that they will not refund my charges and they are fair charges etc etc. They have told me if I dont like it then I have to go to the ombudsman. What can I do next as I cant find a letter template to send them??? the only one I can find is the one when they havent replied (letter 3). Please help me as I want to take this further...

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I am new to this and have no idea how to start a thread??

I sent the letter to them 2 weeks ago today. Its the first letter after the dpa request including a psreadsheet of charges. I have the next letter all typed up and ready to send today - should I send it?

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Hi

To start a thread, click here:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/

then click on "New Thread" in a bluey/grey box, call your thread "hunnybunny V Lloyds" or something, and away you go.

Yes send the next letter.

Good luck!

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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It's in my name trading as...... etc etc.

 

Have a look at "Basic Guide - Business Claims". It is basically the same as consumer version except you can't quote Consumer Acts etc in your POC - other than that pretty straightforward. However, you will probably end up with different solicitors. maybe Martineau Johnson who handle the business claims for Lloyds.

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I have today received an acknowledgement of service which states that Lloyds intend to defend all of this claim. The address for documents to be sent to is c/o Foot Anstey solicitors of Plymouth.

I am now concerned, don't lloyds usually use another firm of solicitors? What could this mean?

Would appreciate some reassurance, have any of you heard of this other company?

I filed with mcol & am claiming in the region of £3500.

Thanks

I HAVE ALL THE MONEY I'LL EVER NEED - IF I DIE BY 4 O'CLOCK THIS AFTERNOON!!:-|

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So you don't think I have any cause to be concerned that I have 'singled out'!!!

I HAVE ALL THE MONEY I'LL EVER NEED - IF I DIE BY 4 O'CLOCK THIS AFTERNOON!!:-|

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You need to stick to one thread, you have half a dozen, I am not sure if they all relate to one claim. You should PM a mod and get them merged, as appropriate.

 

From reading some of your other threads it maybe that as your claim is for a business account, it is being dealt with by another firm of solicitors.

 

There is nothing to be concerned about providing you have followed the steps detailed in this site.

 

As you filed using MCOL have you issued your schedule of charges by post to the court and Foot Anstey?

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

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Sorry about all the threads, Consider me reprimanded!!

I sent the schedule of charges to the court on the day I filed with mcol but I only got the acknowledgement of service today So I am currently photo copying & it will go to Foot Anstey tonight.

I HAVE ALL THE MONEY I'LL EVER NEED - IF I DIE BY 4 O'CLOCK THIS AFTERNOON!!:-|

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I did wonder that myself because I am the westcountry & so are they.

Hopefully this means there is a chance it will be moved to a closer court should push come to shove.

Has anyone else got alternative solicitors or have any experience with Foot Anstey?

I HAVE ALL THE MONEY I'LL EVER NEED - IF I DIE BY 4 O'CLOCK THIS AFTERNOON!!:-|

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;) Hi Jodybuk your thread caught my eye because of Plymouth!! I'm at the 'Got court date stage with my claim against Llyods and had my claim transferred to small claims track 13th April. My hearing is 20th June at Plymouth County Court but the defence from Llyods came under SC & M solicitors not the one you've stated, do you know where Foot Anstey are actually based??? Suzy:)
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Hi Suzy,

Great minds think alike, I was just about to reply to your thread but I didn't want to worry you any further by drawing your attention to the fact that there could be a more local solicitor dealing with these claims!!

Foot Anstey are based at 21 Derry's Cross Plymouth.

Presumably It will become clear why they have instructed them to defend my claim & not the one the rest of you have been allocated.

I filed through mcol on 13th April & have heard nothing except the Acknowledgement of service. Usual form is to offer a goodwill gesture by now but I havn't heard anything & am beginning to get a little worried they might decide to defend my action in full & I might have to go to court!!

Hope your claim continues to go well & I will watch for your updates with interest as I am only a couple of weeks behind you on this thing

Good Luck

Jody

I HAVE ALL THE MONEY I'LL EVER NEED - IF I DIE BY 4 O'CLOCK THIS AFTERNOON!!:-|

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;) Hi Jody yes it seems strange that i wasn't issued with that Solicitor being that i live in Plymouth???? Llyods do seem to be changing tatics left, right and centre at the mo there are so many claims, they do still seem intent on making us go all the way to court though. Must admit i was hoping to have had a settlement by now but no such luck!!! Just having to prepare my bundle and get that sent off before my hearing!!! It is a nightmare but hoping it'll all be worth it in the end:) I'll keep an eye on your thread also and Good Luck, by all means leave me a post

Suzy

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