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    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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kmbrad vs Lloyds TSB ***SETTLED IN FULL***


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Hi all....

 

I have read the forums and congratulate you all on the tremendous help you ALL offer!

 

This is all new to me, but I am going to go for it... I bank with Lloyds TSB and searching back through my statements online, have calculated £417 in charges since late 2001. The charges I have included are, unpaid direct debit, cheques and standing orders. I have also included the overdraft excess fees but NOT the overdraft interest fee's. I agreed to have an overdraft so I dont think I can claim back the interest, CAN I?

 

I have looked at the sample letters. I have listed all my charges. I reada forum about the interest at 8%. Would it look like I don't know what I'm doing if I don't ask for this and the overdraft interest? I really could do with just a little pointer to get me going.

 

Regards

 

Karl Bradshaw

 

PS. The address I have on my statements to write too is: Customer Service Centre, Dept. 10-49, Box 3, BX1 1LT

 

Is this my best contact address?

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WON 121o121 'vs' LloydsTSB

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WON 121o121 'vs' Halifax C C

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You can claim overdraft excess fees

 

There are 2 instances of interest you can claim:

 

1.When you go overdrawn the bank will charge you interest, perfectly lawfully.

However, if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back, but it's tricky to separate out from the total interest figure.

Vampiress has a spreadsheet, (the advanced one), in the bank templates library, which attempts to calculate this

It's quite complex and unless your claim is large may not amount to that much, so for simplicity's sake, some people don't bother

This is the interest referred to in the preliminary and LBA letters.

 

2. Section 69 8% interest on your claim, but only when you submit a claim at court. Don't add this interest before moneyclaim

 

Address is fine

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Hi Michael

 

Thank you for your quick response. I'll leave out the overdraft fee's as it won't be that much.

 

Should I also send all my correspondance by recorded / special delivery, or don't I need too?

 

I will start the process and get it under way. I will keep looking at the forums for sources of help. Should I need to ask the odd question, would you mind if I contacted you? I fully understand if you'd rather I didn't.

 

Thanks again

 

Regards

 

Karl

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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1st class post is fine, (at the PO you can get a certificate of posting for free), but most people tend to send it RD.

 

Use this thread to post your progress and any questions. that way people can see the history of your claim and give better advice.

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Thank you.

 

I shall post when I receive what I expect to be a "automated response"

 

Regards

 

Karl

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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I received a standard letter today (16/8/2006) saying....

 

"We're sorry to hear of your complaint" etc

 

They also say that someone will investigate, and get back to me within "hopefully" two weeks.

 

Should i wait for this response before sending off my LBA? I know whis is a standard letter, but want to be seen as being 'fair' and not jumping the gun...

 

Any help would be great...

 

Thanks

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

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WON 121o121 'vs' LloydsTSB (again)

here

 

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Do you believe:

1.They're sorry about your complaint.

2. Someone will investigate.

3. They will reply within 2 weeks, hopefully or otherwise.

4. Their response will be a full refund.

 

Send the LBA 14 days after the date of your prelim.

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Ok thanks. I hope you don't mind the advise. When people start these claims we read all the forums, but still aren't 100% sure on somethings. I'll send it after the 14 days has elapsed.

 

Regards

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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  • 2 weeks later...

Just a brief follow up.

 

I sent the LBA (letter before action) yesterday. Today I received the normal letter stating the banks final comment on the mater.

 

Will wait the next 14 days before taking the next step.

 

Karl

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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  • 2 weeks later...

Have just completed the forms on the Money Claim website. Took a while to do, but I wanted to make sure I got it right. There are soooo many threads to research, but it's worth it.

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

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here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Just filled in the Money Claim forms. Took a while as I was referring to other posts for templates, but confident i've done it correctly.

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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ahhhh. My first post didn't appear, so I presumed i'd not posted it.

 

It's OK, I'm relaxed!

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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lol :D

 

Don't worry bud, we've all been there. Fingers crossed for you, looks like you've got it under control though :)

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.

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I received through the post this morning a notice of issue. I see Northampton County Court is addressed. Is this where all Money Claims are issued from or is this relevant to my case?

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

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WON 121o121 'vs' LloydsTSB (again)

here

 

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Just come back from a few days away to find two letters from the court on my doorstep. Firstly a "notice of issue" telling me the defendant has until 26th September to reply, and secondly a "notice that acknowledgment of service has been filed". The defendants solicitors are Sechiari Clark and Mitchell. They have 28 days from the date of service to file a defence (I make that the 10th October). If Lloyds TSB are following suit, I'd expect them to file a defence on or around the last day, then I'll start the AQ.

 

I'm off to have a go at designing Christmas Cards!

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Just an update.

 

No other correspondance to date.

 

I'm off on holiday today for 1 week. Hopefully something will be awaiting me on my return!

 

Regards

 

Karl

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________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Back from holidays and nothing on the door mat. Money claim status remains the same too. On a more positive note Mallorca is great and the weather blistering!

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Can anyone tell me how I can rename my thread to kmbrad vs LloydsTSB?

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here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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thanks christina

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here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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Well my claim was acknowledged on the 12th September, so counting down the 28 days, I'm sure today (10th Oct) is deadline day :) (we're slowly concluding)... Haven't had any correspondance at all. Obviously expecting a last minute defence and an AQ to arrive shortly. Just one question. I'm sure no-one has been succesful in filing for judgement, but is it after midnight tonight I can try if a defence hasn't been entered? :???:

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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I believe it's after midnight that you can file defence, but not 100% sure as haven't done that myself. Our deadline was 8th October and we predictably received one of the defences in the post yesterday - the date of their defence was 5th. We're expecting that the other two defences will turn up today but if they don't then we'll be looking into a default judgement. Kowing Lloyds, I'm sure you'll get yours through very soon.

 

Lucid :)

  • Confused 1

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Checked MCOL yesterday and a defence had been entered. Have to wait for the AQ to arrive now.

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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The AQ arrived this morning with a covering letter from the courts entitled "Notice of Transfer of Proceedings". An attached letter from MCOL tells me that the defence filed has been enclosed, which I don't appear to have. Have I missed something here? All i have is an AQ, a covering letter from Northampton Court and a letter from MCOL.

 

Regards

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WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

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