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    • The gaming giant is offloading the Venetian in a $6.25bn deal to invest in Singapore and Macao. View the full article
    • ok best shot..   you need to reply to that letter of claim.   for debt covered by the consumer credit act:   send a cca request along with the completed form:   NOTE ONLY USE THE ATTACHED FORM below DO NOT USE THE FORM SUPPLIED BY THE DCA IN THEIR PAP LETTER!! DO NOT USE OR GIVE THEM YOUR EMAIL/PHONE NUMBER. USE ROYAL MAIL 1st class - get free proof of posting from any PO counter   box D tick   I dispute this debt because ..i refer you to our previous communications and my previous respond to your previous Letter of Claim. i am over 50yrs and have deferred as required to meet the age write off.    box I tick   I also require you to supply the following..   All signed agreements Copies All my deferment sent to either yourselves, the SLC or the SAAS to date. Copies of all communications bothways in whatever format to/from Erudio, Capquest, yourselves and Me A copy of the any Default Notices A copy of the Notice of Assignment A complete set of statements detailing exactly how the sum you allege is owed has accrued detailing: All Transactions. Any additional charges, be them by the original creditor or you xxxx the debt purchaser or any predecessor DCA. Details of all contractual interest added by whom and on what date. List of ALL Payments made toward the Agreement   no need to do the financial statement etc anything else or send anything else bar the above do NOT give them your phone nor email PRINT your name never sign the form   staple the £1  PO to the CCA request and send it to the debt purchaser return the completed PAP form below to the solicitors that sent it to you attain free proof of posting for BOTH at any PO counter 1st class mail will do. recorded is a waste of money   reply form PAP.pdf
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    • no you are kidding me...   they can't be that thick surely... could be game over if they've faked it.   can you attach it to a private msg to me please.  
    • The original pdf did bring up txt boxes where my details were, it wasn't as if it was a photocopied document with my details embedded and I do find it awfully convenient it appeared the very next day after the case meeting.   The address was the same as it should have been, but ive only recently moved, this case was already in motion during my move.   Can I then just argue the authenticity of the CCA  at the next meeting? Explain that when put into a editor my personal details and only them pop up as carefully placed text boxes whereas the rest of the form looks photocopied??
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

JP V Lloyds TSB

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So..I applied and got a list of bank charges. The total I want to claim for adds to £854.23.

Am I right in thinking that I DO NOT claim the 8% at this stage and if so at what stage do I claim it?


I have the 'Preliminary approach for repayment.' typed out and ready to send but thought I would make sure before I posted it.

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hi jp

yep, you can't add the 8% til you file your claim with the court. Good luck.


the train of thought has left the station, hope i was on the right platform!!



Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007


Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.






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  • 1 month later...

So having sent my letter requesting a refund of bank charges I have recieved a letter.

They refused to refund/cancel any charges. They 'don't agree with OFT's thinking on unfair charges'.

Most importantly they claim I don't have a case becuase "the guidlines only concern 'default' charges. The fees we charge for going over an averdraft limit and returned payments are not any kind of default penalty. They are fixed standard prices for the service we provide'


Do I now send the next letter or am I beaten?

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Hi JP, dont worry your no where near to being beaten, this is standard lloyds clap trap. Send them your LBA (http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html) giving them 14 days to pay up (which they wont) and them put in your claim either through MCOL or using the hard copy version of the N1 form in the library (http://www.consumeractiongroup.co.uk/forum/bank-templates-library/844-n1-claims-form-pdf.html). The size of your claim means you will have to pay £80 in fees for issueing a claim.


While you wait read through the FAQs http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

and some of the longer threads in the lloyds success forum. MJanets is a particularly good one and quite amusing http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1777-mjanet-lloyds-unconditionally.html


good luck and keeps us informed



Victory over Lloyds £890


Victory over Vodafone: default removal


Victory over Lloyds PPI claim £2606 click!

Barclaycard lazygoing - £580 + £398 contractual int at 17.7 % click! (Received partial payment £110 21/11/06)

The GF's battle against RBS click! stayed awaiting the end of the world

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Thanks for that. I was looking on the 'Moneyclaim' site. Just getting prepared. Is there a template for how to word the text you enter into the 'Particulars of claim*' field? I can't seem to find one. I don't want to word it badly and mess things up.


Also. I've worked out the the interest of 8% but how do you word that also? You can't just cut and paste the excel doc (not enough room I think)..and the generic info that pops up doesnt really relate to 30 different interest periods..just one.

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