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    • Hi All. I was driving in Stevenage down a 40 road.  After coming off the motor way i noticed my car felt a little "weird" so i accelerated, then slowed the car down.  Shortly after i got stopped by a manned police car with a laser. During the stop the officer stated i was doing 54 in a 40, the conversation was short, but he said i would unlikely get a awareness course and it was most likely 3 points and a fine.  Mrs thought it was a good idea to have dairy when she is lactose intollerant on date night, so we just got on our way.  At the time, i didnt admit to the offence, but did say i didnt realise and had slowed down in any case. The officers chest camera was recording and on. At the stop, he asked where to send the fine to, as i knew i would be travelling to visit family up north, i provided my temporary details at that location in Yorkshire. It is now 05/05 and i havent recieved anything at either my home address in Stevenage or the temporary address. 1. Is there a time limit in which paperwork needs to be sent to me. 2. SHould i query the ticket as i dont want to miss any deadlines (if so who do i check with?) OR should i keep queit. 3. Given nothing has arrived in 20 days, is there a chance of appeal if and when it comes through? Many thanks CrazeUK
    • Hi All. A family friends car was having issues when she was on a trip visiting family up north at the begining of January.  She ended up leaving it at my friends garage in the same location, who parked it on his forecourt to investigate the issue, howver he said most likely it is beyond economical repair as its a serious gearbox fault. In the meantime i replaced her car with one of my spare cars. The insurance on the car then expired in at the end of January.  When the insurance expired, I sent a paper V890 paper as i didnt have her V5 Reference number in hand to do it online (i have a copy of this).  She didnt mention she hadnt recieved any confirmation as she didnt know if she would get one.  She then cancelled her road tax at the end of March (i think) as she was paying by DD. She then was travelling up north so didnt get her ,ail until last week. She recievd a letter dated 09/04/2024 stating she had failed to insure the vehcile and there was a £100 fine which could be reduced to £50 if she respons by 11/05/2024.  As soon as we noticed, i got her to dig  out the V5 and SORN'd the vehicle.   My friend has been a bit slow in checking the fault, however i suspect it will still be scrapped and is still on his forecourt. Is this possible to appeal?
    • worthy to not forget Just to let you know this bunch Kensington have been fined £1.225m by the financial regulator for treating borrowers who were in arrears unfairly. Claim those charges back plus the interest and tell them not to add any more to the account. There are a few news stories here you can get the info for a letter to send to them. http://news.bbc.co.uk/1/hi/business/8615870.stm  
    • Hi All. I went to visit a family friend in Rochdale on a new housing estate opposite a old row of houses. The location is Royle Road, Postcode OL11 3PE. I was originally parked in parking bays outside the old houses, then moved the car, when I noticed my tyre was flat, so parked on what looked like double yellows to use his air pump to check and inflate the tyres before we left the house.   In the time i went inside to sort the pump and power supply i got a PCN.  The tyre then got changed (has a puncture) and we left. PCN Number:         RE######## Date:             04/05/2024 Time:             20:36 Observation:         20:34 to 20:36 Reported location:     Royle Park Road Reason:        Parked in a restricted street during prescribed hours (Code: 01) I believe this PCN is not correct and has grounds to appeal: 1. My friend who moved into the property around 6 months ago, swears that even though it has old double yellows marked, they are not current or council marked.   He said the property development company had said they had marked them for ease of access during development. 2. The road i was parked on was Royle Road.  The PCN was issued for Royle Park Road, which is about 400 yards up the road. 3. There are no sign posts or marking showing parking  restriction hours in the entire area (there maybe on Royle park Road). I have attached a map of the Location where i parked as a red dot. I have 2 questions: a.  Is there a way to check where double yellow lines are marked on some register to check if they are current? b. Can my grounds of appeal simply be, wrong location, wrong offence? Thanks in advance. Map_20240505.pdf
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Reid Vs Lloyds TSB Scotland


reidnet
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Just sent of initial letter to TSB for refund of charges £900 +

And one sent to Halifax Bank £500 +

 

Have had a good read of the forum and had to laugh at Janets replies..Well Done ... Filled me with confidence to take these (edit) On..:p :p

 

Ian

 

Moderated : edited ... please do not post comments that may be viewed as libelous , this is for the protection of the site .

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi reid and Welcome

 

glad you are doing this the right way and reading around first before starting :)

 

I am glad my thread gave you and others the confidence to do this as that was what I wanted to achieve , the money was secondary to me

 

please keep us updated on your progress in this thread

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Just sent of initial letter to TSB for refund of charges £900 +

And one sent to Halifax Bank £500 +

 

Have had a good read of the forum and had to laugh at Janets replies..Well Done ... Filled me with confidence to take these (edit) On..:p :p

 

Ian

 

Moderated : edited ... please do not post comments that may be viewed as libelous , this is for the protection of the site .

 

Woops , Sorry bout that..Will behave from now on..lol

 

Still nothing back from TSB... Have had first Sorry your unhappy from Halifax though..

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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:mad: Just recieved letter from TSB..

 

mmm Im sorry uor unhappy..lol and a nother pretty leaflet..

At least they got that bit correct? :mad:

 

Though My initial letter was posted to

Lloyds TSB Scotland

15 Brown Street

Glasgow

 

The response has come from

 

Andrew Palmer

Customer Service Advisor

 

Customer Services Recovery Centre

125 Colmore Row

Birmingham

B3 3SF

 

Stating that one of their Assistant Managers will look into my complaints and get back to me within the coming 2 weeks.

 

Original Letter was dated 9th August , Do i send LBA letter on or around the 23rd or should I give them 14 days from the date on their Letter ?

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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No it's 14 days from the date you sent your letter, they'll drag their heels anyway so no point giving them more time to do so.

 

As for your letter being sent to Glasgow, all complaints are forwarded to the Customer Service Centre so thats why the reply came from there.

 

Good Luck

  • Confused 1

Robinson vs Lloyds (29/07/06)

LBA Sent (29/07/06)

Standard Reply (01/08/06)

FOS Letter Recieved (10/08/06)

 

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Thanks for quick reply m8..:D

 

Will get the next letter ready for posting off Next week, No point hanging about for the next fob off letter from them..

 

:p

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 3 weeks later...

Had the second and final response ..NOt paying

 

so its off to Court tomorrow...

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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WELL what happened????

 

 

Do Tell??

 

Tom

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

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Nothing yet , Just going to submit claim to court, Probably Thursday or Friday..

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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LOL good luck

 

Tom

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

Data PAct halifax 19/6

Conf letter 22/6

£10 Fee taken 30/6,

List of charges recived 29/7

Prelim sent 31/7

LBA sent 15/8

Court action start 30/8

Offered £160 & then £482 as full settlement 6/9 LOL

19/09 Full settlement of part 1 £710 charges, £200.88 interest & £39 costs. :lol:

2nd cout action started 27/09 paid in full 29/11:smile:

MEAF Reclamed X2 £75 Halifax & £175 from C&G here's how http://www.moneysavingexpert.com/reclaim/mortgage-fees

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Good stuff reidnet - keep it up :)

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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:p Court paper lodged today, found staff at Dundee Sheriff court very very helpful and pleasant to deal with, no so sure of some of the character hanging about outside the court though,..lol.

 

Just have to sit back now and wait....:D :D

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Share on other sites

  • 2 weeks later...

JUst got copy sumons back from Court

 

Case SA688/06 Dundee Sheriff Court - Return Date 16/10/06 Case Date 23/10/06

 

Just sit and wait now..lol

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Share on other sites

  • 3 weeks later...

More Charges ..so sent the folowing letter..

Still heard nothing from Lloyds regarding Court :-(

Mr Ian Reid Tel. xxxxxxxxxxxxx

xxxxxxxxxx Fax. 0870 xxxxxxx

xxxxxxx Email:

xxxxxxxx

Mr Jamie O’Neill

Assistant Manager

Lloyds TSB

Customer Recovery Centre

125 Colmore Row

Birmingham

B3 3SF

 

 

Tuesday, October 03, 2006

 

 

 

Dear Sir,

 

ACCOUNT NUMBER: xxxxxxxx SORT CODE: xx-xx-xx

 

 

My request

I am writing to ask you to refund to me the further charges which you have levied from my account between 01/03/2006 to 02/10/2006 the sum of £120.00.

As you may be aware there is a court case pending regarding previous charges at Dundee Sheriff Court for the Amount of £887.70. Case ref SA688/06 due to heard on 23rd October 2006 at 0930hrs. I would therefore give you this opportunity to settle both these claims on or before the 20th October with the refund of £1007.70.

If you cannot or will not refund the £1007.70 on or before the 20th October 2006, I will have no further option but to raise a second summons through Dundee Sheriff court for the Additional £120 plus Interest plus Court Fees. I will also inform the sheriff at Dundee Sheriff court on the 23rd October that there is a second case to follow, which I intend to submit whilst at the court on the 23rd October 2006.

With Lloyds TSB current track record regarding these types of claims where several cases have been raised, not once have Lloyds TSB won a case by providing evidence to demonstrate the costs to which you have been put by a result of any breaches do reflect your actual costs. Therefore making these charges a penalty and unlawful at common law. In fact not one case to my knowledge has gone to a full court hearing as Lloyds cannot or will not provide a full cost breakdown for commercial reasons.

Most cases are settled before the court date though recently, Lloyds have been leaving this to the very last minute. This I feel is an Abuse of the court system and I’m sure that the sheriff will agree that this sort of practice is putting our busy courts under even more pressure.

 

Your responsibilities

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them.

Your concealment of the true nature of your charges has prevented me from asserting my right until now.

What I require

I calculate that you have taken a further £120 from my account.

breakdown of the charges which I am claiming

Summons ref SA688/06 £887.70

Charge Dated 01/03/06 £ 30.00

Charge Dated 04/07/06 £ 30.00

Charge Dated 02/10/06 £ 60.00

Total £1007.70

 

My targets to resolve this matter

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets.

 

I will give you until 20th October to reply to me accepting, unconditionally, my request and letting me know a date by which I will receive payment.

 

If you do not respond, or you do not respond positively, within this time period, I shall raise a second summons for the additional charges on 23rd October 2006.

I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments.

 

If you are not in a position or do not have the authority to settle this matter personally, I would appreciate if you can hand this matter over to someone who has the authority to settle this matter. If this is the case I would also appreciate if you can inform me of the contact name etc by return, either by email,fax or standard mail.

 

Yours faithfully,

 

 

Ian Reid

cc – Sheriff Clerk – Dundee Sheriff Court.

  • Haha 1

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 2 weeks later...

Just phoned Court..Lloyds have not submitted defence as of 10 Mins ago..Going to phone at 9am tomorrow..if nothing going in with my form 11 for judgment..

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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:o :o Just phoned Court again this morning, Lloyds had till 5pm yesterday to submit defence..Nothing on Computer this morning..But when Clerk checked ..Yup the submitted this morning..A day late but thats only to be expected by Lloyds...So of to court on Monday 0930hrs..:):D

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 4 months later...

This one was Settled in full along with Second claim which was eventually settled in full today

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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