Jump to content


  • Tweets

  • Posts

    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • JK: Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have. Thanks DX, I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Lloyds tsb Overdraft and charges. County claim Form recieved


zeeshop
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4386 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

I dont know how I went to my overdraft limit but this account was not used for years and I was on arrangement to pay minimum to reduce my overdraft limit.

when I missed few payments my payment plan cancelled, and SCM solicitors sent me letter on Lloyds TSB behalf and asked me to pay money.

I contacted Lloyds tsb and they said they cant discuss account as SCM is dealing with this, when I contacted SCM they said they cant make any new arrangement and my bank account will be closed and matter will go to consumer recovery branch.

I filled complaint in LLoyds TSB and when Lloyds complaint department phoned me I told him that I recieved various calls from lloyds regarding this account and I was advised if I will make token payment Bank will restart new payment plan, I made token payment why bank is not making new payment plan, he said this account is in this condition for years and few promises broken so they have to close this account and they sent me cheque of £75. He said now Consumer recovery peoples discussed future payment plan with me.

 

I thought I will get seperate demand for recovery peoples and then I will discuss minimum payment, but Yesterday I recieved CLAIM FORM on behalf of lloyds tsb from Northampton county court.

 

There are bank and overdraft charges added to this amount. but I dont know how much.

 

Please advise what options are available to me, and How can I deal wth them.

 

Best regards.

zee

Link to post
Share on other sites

This might be better off in the legal help forum

 

You will need to file an acknowledgement of service & a defense, you will have dates for each of these

 

your defense might be along the lines that although LTSB have been demanding money from you, you haven't received a bill or statements & you don't know what this is for

 

Meanwhile you need to send off a CPR request to LTSB to get the information. Might need a SAR as well, but that will take too long to be used on your defense.

 

You will need more help than I can provide ...

Link to post
Share on other sites

  • 3 weeks later...

You MUST acknowledge receipt of the claim form, within 14 days of receiving it. If you don't then a Judgement will be made against you regardless.

 

When you respond, if you dispute the amount, which I assume you are? Then you will need to tell them that you are going to defend the claim. This will then allow you more time to gather the evidence you require to put in a defence.

 

If Northampton isn't your local court, which again probably isn't as this is the County Court Bulk Centre, then when you reply to the claim and say you will be defending it will be moved to a court near you.

 

Here is some reading you should do on responding to the claim.

http://www.direct.gov.uk/en/MoneyTaxAndBenefits/ManagingDebt/CourtClaimsAndBankruptcy/DG_10014967

 

http://www.hmcourts-service.gov.uk/cms/ccbc.htm

The County Court Bulk Centre (CCBC) and The Claim Production Centre (CPC) are co-located in Northampton. These units have been set up by Her Majesty's Courts Service specifically to deal with straightforward debt collection work which, in the main, is undefended.

Which says it all! You MUST defend this.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 1 year later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...