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    • Hi With the Section 21 Notice I do hope the Landlord issued you with: Energy Performance Certificate (EPC) for the Property How to Rent Guide A current Gas Safety Certificate (if gas in the Property) If above have not been provided to the Tenant by the Landlord then they can't use a Section 21 Notice until the above have been provided (note you don't warn the Landlord of this until but put it in your defence) Have a good read of this link: Evicting tenants in England: Section 21 and Section 8 notices - GOV.UK WWW.GOV.UK Information for landlords in England on tenant eviction: assured shorthold tenancies, including eviction notices, Section 21, Section 8, accelerated possession, possession orders, bailiffs  
    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Natsmanc v Lloyds


natsmanc
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Penny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48 Chiswell Street

London

EC1Y 4XX

 

That's the address for the Data Protection Manager at Lloyds. You'd probably have better luck sending your S.A.R - (Subject Access Request) to this address.

 

Lucid :)

  • Confused 1

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Well lesson learnt! To anyone else reading this thread, I can pretty much tell you that if you don't send correspondance relating to claims by recorded delivery, the bank will loose them or state they've not receive them.....they will slow up the claim process by what ever means neccessary.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I am not a happy bunny today! As I am typing this message I have been on hold for 34 mins waiting to speak to someone at my local branch about 70.00 of charges they are going to deduct from my account. Nobody wants to accept my call!!! I have been transferred to Customer Care, then Customer Retentions, and now holding for Manchester branch.

Just spoken to an account manager who has advised me to put it in writing, and the best bit is she said that their are letter templates that I can use on the internet!!!

I asked her to justify how they arrived at the figure of 35.00 for a returned standing order when the price of a stamp is about 30p, she said she can't possibly comment and I should put it in writing. I told her I want to speak to somebody in person about how they justify their charges!

It's like they've got their fingers in their ears or summat, oh I'm soooo not happy! I'm going to take deep breaths and count to 10!

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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Hi there ! Thank god for that, I too have filed a claim for nearly £3000 from lloyds for charges and they have also indicated they are going to defend the full claim. I will not let it drop and intened to fight it all the way. My court is Northampton and lloyds have 12 days left to actually file their defence......:-| Let me know how you get on please.

Many thanks,

paul.

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Hi Paul

I recieved their defence on the very last day, literally last minute! Just be aware that they have adopted some underhand tactics to try and stall for time, for instance with my cliam they said that it was too vague and there was no grounds to file a cliam, like hello? have they not seen thousands of these claims already? Just make sure you send a schedule of charges with your AQ if you haven't done so already, and you'll have to pay 100.00 court costs when you send your AQ back.

 

Good luck Paul

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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I am not a happy bunny today! As I am typing this message I have been on hold for 34 mins waiting to speak to someone at my local branch about 70.00 of charges they are going to deduct from my account. Nobody wants to accept my call!!! I have been transferred to Customer Care, then Customer Retentions, and now holding for Manchester branch.

Just spoken to an account manager who has advised me to put it in writing, and the best bit is she said that their are letter templates that I can use on the internet!!!

I asked her to justify how they arrived at the figure of 35.00 for a returned standing order when the price of a stamp is about 30p, she said she can't possibly comment and I should put it in writing. I told her I want to speak to somebody in person about how they justify their charges!

It's like they've got their fingers in their ears or summat, oh I'm soooo not happy! I'm going to take deep breaths and count to 10!

 

As you've discovered, their really is no point in trying to communicate with them over the phone. The majority of them are purely incompetant, and the ones who are'nt will deliberately give you the runaround. I know its frustrating, but you'll get your revenge in good time. Just keep the other £70 on ice for round 2!

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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I rang Manchester County Court yesterday to find out if they had recieved LTSB AQ, they hadn't and niether have I. They have until the 3rd of October to complete it so it's only a matter of days now.

 

Fingers crossed :oops:

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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Hi Nat,

 

Hang in there, your doing great. You may find that they miss the A/Q deadline, they were 2 weeks late in my case. The court still allowed it though unfortunately. Let us know when you receive their A/Q.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Just rang Manchester County Court, they have recieved LTSB AQ this morning (they had until 3rd of Oct). I am hoping to recieve an offer soon, but I,m going to prepare myself for court just in cas!

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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Definately always a good idea to prepare for the worst - but fingers crossed you should'nt have to much longer to wait now untill you get your money back.

 

You should receive a copy of their A/Q in the next couple of days, let us know when you get it.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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HI GaryH

I've recieved thier AQ and theyve ticked section A - I think this is what theyve been doing in most cases, isn't it?

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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Ive been reading through the AQ that LTSB sent me this morning, in the part about witnesses they have said that they intebd to use 1. I dont mean to sound thick, but do they mean that they will be using the solicitors as a witness? I put 0 in that section of my AQ!

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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I think its pretty much standard practice for S,C,M/ lloyds to request extra time, so I wouldnt be too bothered by that ... just remember it isnt a stalling tactic lol. As for them calling one witness I have no idea about that one. Good luck with your claim.

 

Zoe

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Hi all

 

Has anyone got an idea how long it takes to get a court date? Lloyds have said in their AQ that they are not available for the whole of October (I suspect they are very busy ;).)

I've been reading thrrough other threads and it seems Lloyds are settling once the court date has been set.

I'm hoping this is going to be sorted out soon because I've aquired another batch of blinkin charges approx 110.00

Ps I've just passed my driving test so I'm really chuffed today :p

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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Congratulations....it's about time I learnt!

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks Closey n Tiger :D

 

Wow so you have your court date Tiger... you must be getting excited now?

Good luck with it!

Nat x

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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  • 2 weeks later...

Hi Zoe

 

I have only heard that my case has been transferred to a different court but I still don't have a date. I am going to have to ring them up on monday to find out whats going on. Is it normal to have your case transferred twice?

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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I have spoken with the court and they have no directions/dates etc for me yet. The lady I spoke to said I should call back if I havent heard anything by the end of next week. I asked her if there are many cases like mine and she said that they were working overtime to clear the backlog of cases against banks :)

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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Hi Phil.B

 

I have still heard nothing from SC&M and my case has been transferred to another court (Salford), I called them yesterday and they told me that they have still not processed my paperwork. I don't think I will get a court date until after christmas, it seems to be dragging on forever!

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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Hi Tiger,

 

I rang Salford Court today . The man I spoke to said that my case was sent to the judge for directions yesterday afternoon . He said I should be prepared for a "very long wait", because there is a massive queue and claiming bank charges back is "turning into a cottage industry"!!!

 

He said that I will not hear anything from them for at least 2 weeks as there is a HUGE backlog!

 

I think it is great that so many people are challenging their banks, so I dont mind how long I have to wait!!

LTSB -claiming back WON!!!

 

Mint credit card - WON!!!

 

Morgan Stanley credit card - WON!!!

 

LTSB credit card - MCOL issued WON!!

 

Barclaycard - MCOL issued for balance of partial refund 200.00

 

Gorvins Solicitors - WON!!!

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Hi Nat,

 

What you say is a familiar story at the moment. Courts all over the country are being snowed under with charges claims. My local one, Swindon, is probably one of the worst - if you take a claim form in to be issued it does'nt get served for over two weeks! Hopefully the courts can see that its the banks abusive practices that's responsible for wasting their time.

 

Let us know when you get your directions, but in the meantime you could get a head start in getting your evidance up together if you like. Most of what you need is in the excellant 'court bundle' in the templates library, plus the McNamara interview, all correspondance between you and lloyds and your statements or account information. If you have a look on my thread (page 3) there is also a 'summery of evidance' which I prepared for my claim and that you should find useful.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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