midge61 v Lloyds ***SETTLED IN FULL***

[davethecabbie]

hi midge

i received all the paperwork today.ihave to submit my AQ by18th nov i also got a leaflet about mediation which i will be putting in the bin.i have read gary h's comments. you also mentioned aletter about this could you put me in the right direction for it .cheers dave

[dinglewoody]

Hi Midge

 

The very very best of luck mate (not that you'll need it)... ive just started out and I'm at the SAR stage, and I've subscribed to your thread to see how you are getting on and for inspiration !!

 

Nice one

 

Dinglewoody

[midge61]

Hi Dinglewoody

Thanks for the good wishes and the best of luck to you too. Make sure you read the FAQs and lots of other threads so that you know what the process is. I'm afraid that Lloyds are one of the worst for delaying and your in for a long journey buts there's always lots of advice available on here.

[dinglewoody]

I thought I'd start off with the most difficult one... so as the rest of the bug***s will seem like easy meat by comparison... so look out A&L.. A&L credit card and Egg...hehe

 

cheers

 

Dinglewoody

[davethecabbie]

hi midge thanks for your reply. i didnt get any paper work regarding mediation as such asking me to reply, it was just a leaflet explaining about it.(cant find that now).dave

[midge61]

Hi all

Well I went to the court today and handed in my AQ. Will send one to SCM on Monday. So the waiting game continues.

[davethecabbie]

hello midge

i will probably be taking my aq in on monday havent had much time to look through it properly yet,then again i might savour the moment a little bit longer,only joking

[midge61]

HI all

Recieved my copy of SCM's AQ today. They have completed the N149 I was sent the N150 as my claim is over 5k. They have put the usual drivel extra month to negotiate , 1 witness, will rely on the defence and T&C of account and not available for November.

Will send letter off tomorrow to them.

Will it make any difference that they have completed the wrong AQ?

Many thanks

[GaryH]

Dear Sir/Madam,

 

Thank you for providing me with a copy of your completed N149 Allocation Questionnaire, which I received on **/**/**.

 

Referring to the Allocation Questionnaire, I must admit to being somewhat surprised by your response to Section A (Settlement). You have ticked ‘yes’, thereby requesting a one month postponement in proceedings in order that a settlement may be reached by way of negotiation.

 

Please note that throughout the process of this claim, neither yourselves nor your client have ever given any indication whatsoever that you wish to settle this matter without the need for litigation. In fact, all my previous attempts at dialogue with your client have been met with outright refusals to negotiate this matter, and on **/**/** I received a letter from Lloyds TSB’s service recovery centre which explicitly stated that the bank had issued its final response and therefore would not enter into any further correspondence. It is for this reason that I felt I had no alternative but to seek redress by way of Court action.

 

Having said the above, I do believe that litigation should always be a last resort and would of course be happy to settle this matter without the need for a hearing. Please be advised though, that I am completely confidant in the strength of my claim and believe that your clients charges could indeed be proved to be unlawful penalty’s which you are trying to cloak as contractual service charges. For this reason, I will only settle for the full amount of the claim, namely £***.

 

In light of your indication of your intention to negotiate settlement, I will await your communication informing me of how you wish to proceed. I trust this will come before **/**/**, as this is final day of the month you requested to reach a settlement in your allocation questionnaire.

 

A copy of this letter will also be sent to the court.

 

 

 

Yours faithfully

 

Send them that, plus a copy to the court as well.

[midge61]

Thanks Gary

Its all ready just got to put dates in.

Thanks

[davethecabbie]

hi midge

i got round to taking my aq to the court today.i havent heard anything from scm yet.i will be sending them a copy tomorrow i am also including the following letter do you think it will be ok to do this.

 

in previous correspondence with your clients they say that they were not prepared to enter into any further correspondence relating to this matter.however, i am still willing to enter into any meaningful discussion to reach a settlement that may prevent the claim going to court and thus incurring further costs to your client.

 

i thought i might put this in so it doesnt look like i have ignored the mediation leaflet completely and im still being reasonable.which is more than they are

[midge61]

Hi Dave

Looks ok to me. I put a similar letter in when I sent SCM my AQ but they have not responded to it. Will keep copies of all letters sent to them to be handed to the court.

[davethecabbie]

ok thanks midge.i have made and kept copies of everything as well,ive even got all the recorded delivery counterfoils.as soon as i here anything from scm iwill let you know.

[midge61]

Hi All

Well what a week! Got rushed into hospital on Tuesday with gallstones (bloody painful!!). Whilst in hos the court sent aletter to say that sNatch West had bounced my cheque for the AQ so Hubby bless him had to go and pay it for me today.

 

Hospital have let me home on a 48hour pass. Got to go back Monday for an op (hopefully) so have got home to go through my post..bills,bills,bills etc. At the bottom of the pile was a letter from SCM

 

FULL SETTLEMENT

£5891.83 +costs+interest=£6305.04

Thanks for all your help and support and donation will be made when cheque is in the bank and cleared.

[jacobs]

CONGRATULATIONS Midge. You are an inspiration to us all. Good luck for Monday.

[GaryH]

OMG:o Another one!!!!! And only just after the AQ deadline!!! This is fantastic, I think the pressure we're putting on Lloyds, well SC&M, is really starting to pay off now.

 

CONGRATULATIONS!!!

Well done Midge, I'm well pleased for you.

[midge61]

Thanks Gary

I couldn't believe it myself but I can't tell you what a relief it is.

[avlasc]

Hi Midge, I got a settlement offer today too .. wth conditions .. was your settlement condition free or did you have to sign up to anything?

[midge61]

Hi

I've just put a message on your thread. Yes I had all the conditions and they also said they would be crediting my account, But as I dont have one with them I have just signed the form and asked for a cheque and stated that I will not inform the court of the settlement until the cheque has cleared.

[jonni2bad]

CONGRATULATIONS

 

Oh, don't forget the SURVEY too!

[midge61]

Thanks Jonni

It's done just waiting for cheque now

[Reacher]

Congratulaions for your endeavours..... I know how Lloyds can be ... they will stall for as long as possible to pay up. Ive just received my Acknowledgement of service and i will definitely follow your thread and also seek advice from Gary H. He seems to be the one that actually delivered the final blow that made Lloyds to give-in. Once again......

Congratulations!!!!! :D

[Suzy H]

Congratulations

[BARTY]

Congratulations!!! :D

Best wishes for monday too.

Barty

[lee trebilcock]

congratulations matey ive just had the same good news and its great isnt it ?