Excessive Charges * * WON * *

[commando]

Congratulations princess,I am gonna take on lloyds too.Paid £520 charges in the last four months alone,I guess over the six years the BANKSTERS have had approx £1500 from me.Joined the site last week and getting as much info as I can, learned a lot from you.Thank you and well done.

[intersimi]

Congratulations Princess, a great result. I bet you are over the moon about the result. Your thread is superb, well done on commenting as much as you have. I think this thread is great in showing time lines etc and how to progress a claim.

 

 

Well done again!

[fatdave42]

Congrats PrincessAphrodite, well done!!

 

Lets hope my clam goes the same way. Just waiting for my first letter from them full of waffle.

[biscuit]

Hi Princess - your time frame for your claim is exactly the same as mine! I filed for the judgement yesterday only to find out this morning that Lloyds acknowledged the claim on the 4th! Darn was so close! Fingers crossed that you have managed to get your judgement.

[PrincessAphrodite]

Hi Guys,

 

Well oh my word!!!! Things have changed slightly!!! I knew I spoke to soon!!

 

Having filed the Default Judgement on the day Lloyds' time was up I didn't realise that it takes until 10am the following day for my information to be accepted by Moneyclaim.

 

Lloyds filed an acknowledgment at the 11th hour!!!

 

I can't believe it!!

 

what a pain!

 

Well I will still win lol.

 

Biscuit - I just reread your post!!! They are b*ggers aren't they! Keep us posted! As will i!

[intersimi]

You did well though Princess. I guess that is going to be their ploy, to give you longer to "stew" over things and to get you all flustered and annoyed.

 

Stay strong. We are all wishing you well in your claim.

[PrincessAphrodite]

Intersimi - Thanks for your support. I think you're right! Seems they like to catch you at the last second and make you worry. Well I'm not worried, and we can all stick together and beat them!

 

Good luck all!

[Padfoot]

Out of interest....would a claimant have been able to go to the local county court and file for the default judgement, even though they had started the claim online?

And if so...would it have avoided this scenario?

[biscuit]

Can't believe they did it to you as well! Apparently they intend to defend it - yeah right, just try it mate. Oh well, at least the interest is mounting up........

[paulson1985]

hi princess.

 

 

 

 

dont worry they are playing for time like somebody else said they are trying to get to you dont let them.

i sent my l.b.a. late last week and they took another £35 of me yesterday i wouldnt care (becouse i will get it back) but it was from my tax credit payment,

 

 

chin up keep gouing all will be well.

[PrincessAphrodite]

Thank you Paul, I know you are right which is why I'm not worried at all.

 

Good luck to you and everyone else giving their support - it really is appreciated x

[Lotta Littlies]

Have to say it doesn't surprise me. They seem to be the biggest bullies going, trying to see how long it takes for our nerve to break.

 

Stay strong and keep going Princess!

 

Lotta

[PrincessAphrodite]

I was hoping you would see my news Lotta Littlies!

 

Thank you for your comments - am keeping an eye on your thread also!

 

Good luck and I am sure all will be well for both of us! x

[Lotta Littlies]

I'm confused, I thought they'd already acknowledged and you were waiting to see if they'd defend. Have I got it completely wrong and you are only now waiting for them to defend?

 

Lotta

[PrincessAphrodite]

My claim was Accepted by Moneyclaim but Lloyds never responded / acknowledged at all until the very last minute

[Lotta Littlies]

Right, I'm with you now! So now they have until when to file their defence?

 

Lotta

[kotum45]

Princess did you alert them in anyway? I can't believe they would petty enough to wait so long to acknowladge it

[Lotta Littlies]

Oh you're best off believing it. I don't put anything past them. Bullies.

 

Lotta

[myactiontime]

Hello Princess Aphrodite.

 

Hang in there, its big boy bully plot and you'll win. I've started my battle with them and we are all going to get back our money.

 

myactiontime

[intersimi]

Just make sure you have a parachute account Merly, it will be ok and just follow the steps. You are welcome to use my notes here as reference along the way if you get stuck, etc.

 

Good luck!

 

On another note:- If anyone is having trouble with the Particulars of Claim here is mine (without my details):-

 

Particulars of Claim

 

Claimant has account 00000000 with Defendant from approx 00/00/00 conducted on their standard terms and conditions. Claimant is claiming the return of money taken by Defendant in charges over 6 years plus interest they have levied on those charges. The Defendant’s charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15.Defendent has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from 00/00/00 to 00/00/00 of £000.00 and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £0.11p.

 

Some abbreviations, etc. but it fitted in the gap provided and the claim has been accepted.

 

Hope this helps some of you.

 

Hi princess, I am wandering about your wording, particularly:

 

of 8% a year from 00/00/00 to 00/00/00 of £000.00 and also interest at same rate up to the date of judgment or earlier payment at a daily rate of £0.11p.

 

What dates did you enter? Was it 6 years from todays date up to todays date? Also, where did you get the 11p a day from?

[kotum45]

Intersimi 11p is the daily interest rate in monetary value. This is how you calculate it

Lets assume your claim is £100

so what you do is divide 8% (yearly interest rate) by 365

0.08/365= 0.022 (I think, I don't have calculator and the one on pc is rubbish)

then you multiply your claim £100*0.022

which should give you your daily rate.

[intersimi]

Thanks Kotum. I have managed to file my claim now. I did notice that when you select the "I want to claim interest" button from Money Claim, a message pops up telling you most of it (not how to calculate it)

[paulson1985]

hi princess

 

 

I expect your feeling pretty low by know you know what i mean one minute your in the clouds next your sent down again.

 

 

Just hang on in there you will meet your goal justice will profail in the end .

 

We are all with you (in our house anyway and I am sure in this forum)

 

you will get there in the end it is just a matter of holding on and keeping your cool.

I am sure you can do this . I am thinking of you .

 

 

 

 

Best wishes

[PrincessAphrodite]

Hi All,

 

Thank you all for continuing support and input - it really helps!

 

Lotta Littlies - Lloyds have now got a further 14 days to respond or prepare a defence - although I am hoping for a similar response to yourself!

 

Kotum45 - I didn't alert them at all with this apart from of course my template letters, so they may have just pulled their finger out and got there at the last minute or did it malciously, I don't know.

 

Paulclarkson1985 - Thank you so much for your words - I'm not down at all though, I'm a positive person and Mrplan74 and I are helping each other through the steps. Its not really traumatic at all! And with the knowledge and the information and support gained from this site - its all good. And we will WIN! As will all of you and those who are reading and wondering if its possible to get their charges back.

 

 

On a funny note - I recieved my Lloyds Acknowledgment from Moneyclaim yesterday when I got home form work and with it were TWO other peoples!!! Half of it stapled to mine!!! Moneyclaim MUST be busy to make a mistake like this!! Will have to send those back quicksmart I am sure the rightful owners will be wanting those! - One is definately NOT a 'bank charge' one and I'm not sure about the other.

[kevin bennett]

Hello your Highness!

 

I have been pondering what direction your plight had taken to date.... I have been watching intently, as have others, obviously!!!

 

Goes without saying GOOD LUCK!!!!!!!!

 

On a more personal note i am a few steps behind you so i know what to expect on the horizon. It's only with the virtual support from other facing the same problem as us, that carries me forward with this situation, normally i would n't have thought that taking on the banks would pay dividends but now.... the world is OUR oyster!

 

Carp'e dium ( well you know what i mean anyway!

 

 

As before ....

 

I wish you well.

 

Kevin