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    • might be best to start a new thread as its one of 5 you have?  
    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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Advice Please before i take action against Lloyds i might regret (not)


Chengster
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Hi There.

I need some advice on a situation regarding Lloyds TSB and Blackhorse Finance (Part of Lloyds Banking Group).

To Cut a long story short, I took out a car on HP Finance a year ago, with the direct debit instuction to come out of my Lloyds TSB Bank account.

In July, i misjudged the arrival of my wages so my direct debit got returned (£20 charge to Lloyds TSB Bank and £30 charge to Blackhorse), yet the direct debit payment didnt go through. Unfortunately, Lloyds TSB found reason after reason to charge me onwards rising from £30 a month in August to £300 (IN 1 SINGLE MONTH) in December 2009. My Income a month was £900, (Considering i had £230car,£150car insurance, living costs as well etc) i couldnt afford to keep putting my wages into the bank account as i couldnt survive. Basically, the charges kept being taken out days before the car payment were due, hence my missing payments for the car finance when i had enough money in account for the payments only, so i fell behind with payments for car as well as keep getting overdrawn with my bank account.

Currently, I have recieved a Demand for £962.96 from Lloyds TSB Collections Centre, Which i am refusing to pay, as the £962.96 is all Bank Charges, yet they have also taken over £1200 in charges out of my wages - Thats £2100 between June 2009 and June 2010.

As a result of the charges, i have recently had a company called Anglia coming to reposess my car without any warning. I recieved a letter off Blackhorse Finance 'sent 12th May' and recieved it 26th May, asking me to contact them discussing my agreement. Easier Said than done. I tried several numbers for them, all 'Number is not in service' or 'You have the wrong number', eventually i found a number and spoke to a representative from Blackhorse, and after ages on hold and transferring me from department to department, i got told that i was 4 months behind and that i have to repay the £1400 'missed payments' within two weeks to have any chance of keeping the car. I queried the person explaining that 4 months (4*£236.58 = £946.32) and that the other £500 isn't correct. At the very most ive knowingly missed two payments. One was accidental and rectified by paying two in a month, and the last one was because i lost a week wages recently due to me being in hospital with my partner as she had gone into preterm labour. Blackhorse lady said that i can drive the car, but if it gets taken off me its gone - my choice and my risk, end of story, she doesnt know anything about the account and will get the account manager to give me a call back first thing Monday Morning. As a surprise, no call today at all, last time i spoke to them on friday, they said they would get someone to call me back that day but alas they didnt.

 

Basically, Lloyds TSB have taken over £1200 in charges off me that should have been paying my Blackhorse Car Finance off, yet are still demanding £962 off me just in Charges.

Meanwhile, Blackhorse are trying to reposess said car without notice. Had the car 12 months of a 48 month agreement. There basically saying i have to find £1400 within two weeks or i will definately lose the vehicle (and gain a reposession on credit file, so will not be able to get another).

I've been well and truly screwed over by Lloyds TSB and need some urgent help Please anybody?????

 

Thanks in Advance

 

Number one (Of Millions) hater of Lloyds TSB

 

......... Maybe i should have been Islamic? Im not a racist but having read the Mail article i am angered that they pay at the most £15 a month in charges, yet i am a british national and have to pay in excess of £300 a month. I Cannot understand their logic but it angers me".

I am waging war against Lloyds and will do what it takes....

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Welcome to the site Chengster.£2100 charges in 12 months is considerable.

What have you got in the way of written communications ?

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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