Jump to content


  • Tweets

  • Posts

    • @BankFodder sorry for the delay and thank you for the lengthy reply. Yes, I agree. It's a small business and the guy is very very decent. I know someone else said my priority shouldn't be worrying whether he gets shafted but I'm not here to try and screw him over because I feel like if someone behaves decently and gets exploited, they might not behave so kindly in the future. I know DX mentioned he thinks I've caused the issue by leaving multiple instructions, but I have already explained why and both instructions were to leave it with a neighbour and there was nothing advising the driver to abandon the parcel on my doorstep. I don't think leaving it there could be considered a safe place.  I am still waiting on the retailer to respond. Ultimately, I wanted to know how he would proceed if DPD's response isn't favourable. I am certainly not looking to cause any problems. I just want my laptop. I will read the other posts for sure. I've been a bit preoccupied with family stuff. I have nothing in writing from DPD as I phoned them, but they did advise it should be the retailer that liaises with them. I tried contacting the driver straight after deliver via Whatsapp, as that's an option, but it said I couldn't send him a message and I have kept that log. We all know who took the parcel on our street, because that person has a history of parcel theft, but I don't have a doorbell camera or cctv. Police are refusing to intervene, despite the fact that I, along with several other people, spotted another's neighbour's parcel in said "suspect's" car and confronted her to get the parcel back. If the police had acted sooner, I might have had a better chance of getting the parcel back, but I suspect the laptop has long been sold on.  When the retailer responds, I will send him the link to this thread. Hopefully, he will benefit from the information on here as well.
    • @dx100uk none of the instructions advised them to leave the parcel on my door step and without such instructions., I'm struggling to see why they think it's ok to just dump it there.
    • I have checked. No recording was triggered by the camera - I don't have loop recording, only proximity and vibration sensor triggered recording - abs and since he took photos from afar and did not physically touch my car - no recording was done. 
    • He also useing he girlfriend to phone and mesage people as well
    • No TIC sheet with journeys history as I can see within the letter pack. Should there be one? Maybe they didn't look into it thoroughly?  No other pleading letter, only the one from above.
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lloyds TSB get worse..


DerekW
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6376 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Also, please start your own thread to avoid confusing things!

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

  • Replies 88
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi All

 

Took a little walk down to the court today an filed the claim:-)

 

I asked the very nice and helpful lady there (I almost asked her out!) to make sure I had done everything right - just a couple of minor things which others should be aware of. The Claimants name must be preceded with a title and I had not put "Mr" and also I had put "Lloyds TSB" as the defendant, where it should have been "Lloyds TSB Plc". She said that might have held things up.

 

Today is exactly 14 days since the LBA as it turns out after all.

 

Anyway, now the waiting game begins - ho-hum!

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

Good for you Derek - fingers crossed for ya :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload 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.

Link to post
Share on other sites

just a couple of minor things which others should be aware of. The Claimants name must be preceded with a title and I had not put "Mr"

 

Just for clarification, that is not necessarily the case. I've filed 5 cases so far, not one of them with the "Mr" or "Mrs" (on purpose, as DH and I have same initials), and not one of them ever delayed because of that.

Link to post
Share on other sites

  • 2 weeks later...

Hi All

 

Just got the Notice of Issue back from the court Claim Number 6PH04364 - deemed served on the 13th September 2006 - they have until the 27th September to reply. That means they will file an acknowledgement of service on the 28th - this is all getting very predictable isn't it!

 

What a blatant abuse of the court system this is - it really makes me mad that they are able to intimidate people by using the court system for their own advantage. There is also the financial aspect, they of all people know full well that people who are struggling to pay their charges are also likely to be unable to afford the court fees and may fall down at the AQ stage because of lack of funds. Something I will definitely be pointing out to the judge if they get all the way to court. Is there anywhere we can complain about this?

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

Hi Derek,

 

I totally agree with you, its pretty obvious that they'll never payout before the claim is filed as its at that point which i'm sure many people never get passed due to having the initial outlay, its dam right unfair, if people had money to payout like that they wouldnt be claiming there charges back... which makes me all the more determined to fight for every penny they owe me...

 

best of luck

christina

 

Link to post
Share on other sites

Hi Christina

 

Yes, the banks have the unfair advantage of knowing everything about your financial situation, which is not the norm when you're being sued by someone!

 

Some people I've spoken to about what I'm doing have said straight away that they would do it as well - but just can't afford the court fee when they have rent and bills to pay. Catch 22 - they can't sue to get their money back because of lack of money caused by the person they want to sue!

 

I've made damn sure I've got the £100 for the AQ when it gets to that point (even though it's a struggle), but someting really needs to be done to stop this ridiculous practice.

 

Good luck with yours! :-)

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

The worse thing is, with Lloyds at least, they actually seem to try to make sure you don't have the money for the court fees. I'm my case as soon as they realised I would take themto court they demanded the repayment of my overdraft! They know your situation, and they will use any dirty trick they can. If it wasn't for my parents lending me the court fees I wouldn't have been able to proceed with my claim for a while.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

Link to post
Share on other sites

My situation is very similar to yours Mindzai! See the beginning of this thread and that's exactly what happened to me, but the withdrawal of my OD facility came a bit too quick after my prelim letter for the two to be directly connected, unless I had said something on the phone to them when I complained about the charges a couple of weeks earler - I can't remember.

 

Like I said before - is there anywhere we could all write to complaining about this? Any Mods know? Or would we be wasting our time?

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

To be honest I wouldn't be surprised if the DPA request flags your account now, they know how the process works. I'm sure they know exactly what's going on and whats going to happen the moment they get that letter. It's just a giant game of poker where we have the royal flush and they have a pair of 2s, it's just a matter of waiting for them to stop bluffing and fold. And fold they will :D

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

Link to post
Share on other sites

Mayby the whole question has just been answered by bookworm - check out the latest announcements....

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

Just got another letter from the court - SCM have filed the acknowledgement of service on the 15th - a bit quick methinks! Makes no difference to the timescale though - still 28 days from the service date...

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

Mayby the whole question has just been answered by bookworm - check out the latest announcements....

 

Must be missing something, have you got a link?

 

You're on a very similar timescale to us, ours were aknowledged 13th, and were served on 10th, very quick response for us as well.

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

Link to post
Share on other sites

I think this should go there:

 

Bankfodder Announcement

 

Referring to my earlier qustion of the unfairness of the bank's abuse of the court system....

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

Apologies Mindzai - I meant Bankfodder not Bookworm! Sorry!

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

  • 4 weeks later...

Hi All

 

Well after a long wait SCM have submitted their defence - standard crap as far as I can see. Got the AQ, now a question: is it worth writing to them (SCM) before submitting the AQ to see if they will move at all? Or shall I just go ahead and file the AQ so they can spin it out for a few more weeks?

 

The timescale is really starting to **** me off and it's so pointless! All the time this is going on my account is effectively frozen and they have to know there's no way I'm giving up, it's just going to cost them another £100 in the end.

 

Has anyone else got any result by writing to them before submitting the AQ?

 

Thanks!

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

Well, you only have 14 days to complete and return the AQ, so it's up to you, really. I think that you have done all that's possible, and that it would be pointless, but do I know how their tortuous mind works....:rolleyes:

 

Actually, I have a strong suspicion that a lot of them will be offering reduced payouts as we get closer to Christmas and people get more desperate for money. We'll see.

Link to post
Share on other sites

Hi All

 

Been down to the local court and filed the AQ - another £100....

 

I've seen a lot of court dates being set for January - let's hope it's not that long, but as you say they may start making measly offers before Christmas when they know people need the money. God knows I do but I ain't settling for a penny less - I don't care if it takes till the following Christmas - it's a matter of principal now!

 

Just a suggestion (forgive me it it's already been done & I've missed it), can we not all write to somebody complaining about this abuse of the court service? One letter from an individual will get nowhere but maybe a few hundred would?

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

Good luck Derek.

 

My dates have been set for early Feb so Jan doesnt sound unlikely...

Mindzai & Lucid vs Lloyds TSB

 

Mindzai's Account - Partial settlement offer rejected

Joint Account - Partial settlement offer rejected

_________________________

Spreadsheet for compound contractual interest and statutory (s69) interest:

Download v1.9 [Tested with Excel 97-2007 and OpenOffice 2]

PLEASE NOTE: You should fully research contractual interest before you use that functionality of this spreadsheet. If in any doubt please use it to calculate 8% interest under s69 County Courts Act 1984.

Link to post
Share on other sites

Thanks!

 

Not sure if I've cocked up here but I've just got a letter from SCM with their AQ, requesting a copy of mine. I didn't copy it because the lady at the court said there was no reason to. Ah well...

 

I see in theirs they have asked for a postponement of 1 month to "attempt to settle the claim" and that they are not available for all of October and November - how ridiculous is that??!!

 

I will write to them (when I've calmed down) asking why they want a month extra when they've already stated their "final response" and how a firm of solicitors can be unavailable for 2 months solid. I will copy the court as well. This is just taking the **** out of the court system...

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

Thanks!

 

Not sure if I've cocked up here but I've just got a letter from SCM with their AQ, requesting a copy of mine. I didn't copy it because the lady at the court said there was no reason to. Ah well...

 

You're fine. You are not obliged to send them a copy of your AQ, just a courtesy

Link to post
Share on other sites

Thanks!

 

Not sure if I've cocked up here but I've just got a letter from SCM with their AQ, requesting a copy of mine. I didn't copy it because the lady at the court said there was no reason to. Ah well...

 

I see in theirs they have asked for a postponement of 1 month to "attempt to settle the claim" and that they are not available for all of October and November - how ridiculous is that??!!

 

I will write to them (when I've calmed down) asking why they want a month extra when they've already stated their "final response" and how a firm of solicitors can be unavailable for 2 months solid. I will copy the court as well. This is just taking the **** out of the court system...

 

They started off being unavailable for 1 month which just happened to put them in the same position as if they were allowed a stay, now they do what ever they can get away with. SCM are a joke, they more or less admitted to me on the phone today they can't cope with all the claims. make sure you keep them on their toes.

Link to post
Share on other sites

  • 2 weeks later...

Thaks folks, sorry I haven't been on here for a while...

 

I sent them this back for what it's worth - probably won't even get read but it's something else to produce in court to prove I'm making an effort....

 

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

I acknowledge receipt of you letter and Allocation Questionnaire dated 16th October 2006. I have filed my Allocation Questionnaire and was told by the court that it was not necessary to copy the document, however the details were as follows:

A: No

B: No

C: Yes

D: 0

E: No

F: No

G: I expect this hearing to last no more than 1 hour.

H: Yes

I am astounded to read that you have requested that the claim is postponed for one month “so that you and the other party can attempt to settle the claim either by informal discussions or by alternative dispute resolution”. I remind you that your client has made absolutely no attempt to contact me regarding this matter since the claim began and their last communication clearly stated it was their “final response”.

If your client wishes to settle this matter then I suggest that they do so, or proceed to court as soon as possible, where the matter will be resolved, I see no reason to delay this matter further.

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

 

Almost feel sorry for them, probably a good bunch of solicitors with their name being dragged through the mud by the bank. But I suppose they're getting paid for it....

DerekW

 

Rock On!

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

Lloyds TSB - Claiming £1645

8 August - Prelim + Schedule Sent

10 August - Overdraft facility withdrawn(!)

15 August - SOD OFF Arrived

21 August - LBA Sent

25 August - "Final Response" letter received

4 September - Claim filed at local court.

13th September - Claim deemed served

15th September - Acknowledgment of service filed (SCM)

7th October - Defence filed + AQ received

16th October - AQ filed at local court

22nd November - Court date set for 22nd February 2007

30 November - Full Settlement Accepted

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...