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    • Hi, If they haven't followed the court's directions there will be little tolerance of the court. Anyway please can you upload a copy of the court paperwork
    • Yes, you should have applied for an immediate strike out as soon as the deadline expired. Without the agreement, they are stuffed Forget Barclaycard, Asset link is now the creditor, and it is down to them to provide the agreement.  That needs to go into the witness statement. They have not provided the agreement contrary to directions of the court and request the court strike out the claim as to the original court directions.
    • I did not receive a notice via post but in my claim status it shows my claim was transferred to a court I requested in my DQ, as it is closer to me.    Defense I filed:  1.       The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2.       The defendant paid the lead tenant a fixed sum monthly bill without fail for the extent of the rental period of the accommodation their contract was associated with who was responsible to make payments to the claimant, ending in June 2023. 3.       After moving out, a month later, the claimant wrote to state that an outstanding sum existed. Further stating, as one of the 10 tenants at the time, I now owed them the full sum instead of my 1/10 proportion of said debt, as 10 students were at the dwelling. They also intimated that they were legally allowed to charge me the full sum if the other renters were not to pay their share under some equal and joint severity rule. 4.       Despite sending numerous requests prior to the court claim being raised for copies of said bills for said utilities covered by the agreement, the claimant failed to send any clear bills. This included a CPR 31.14 on xx/xx/xxxx sent via post. 5.       The defendants stress that they acted in good faith to settle the outstanding balance, as evidenced by the confirmation received from the claimant.  Any subsequent demands for additional payments are unwarranted and contradict the claimant's previous acknowledgment of settlement. 6.       Pursuant to OFGEM code of back billing rules the alleged charges relate to charges which have not been billed correctly by Co-operative Energy and are therefore prevented from charging. With the court’s permission the Claimant is put to strict proof to: - a) show and disclose how the Defendant has entered into an agreement. b) show and disclose how the Claimant has reached the amount claimed. c) show how the Claimant has the legal right, either under statute or equity to issue a claim. 7.As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation                  that the money is owed. 8.It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
    • Paint is a free programme on any Windows PC. But don't worry, the choice here is not either perfection or nothing. As you say, use your scanner, save the file ... and then use the "choose files" option when you post to CAG to add the file. We can do all the redacting and converting to the correct file type at this end.  The important thing is just to get the info to us. Why not do an experiment this afternoon and see if the above works?  
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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**ANOTHER** Lloyds TSB **WINNER!**


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Hi. After reading your site for the last few months regarding various issues decide to take some action regarding Lloyds TSB and charges. Sent a letter in asking for breakdown of charges over last 6 years (received) and subsequently asked for repayment of charges.

Have received back from them what looks like a standard response saying they'll respond again within two weeks to my complaint etc.

Have now drafted the 'letter before action' asking for the £2667 they have taken from me. Is it best to address the letter to the person who has previously responded to me or not? Do I have to take into account weekends when stating the 14 day response time?

Thanks.

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Hi there - If you have the name of a real person rather than just a department I would continue correspondance with them. Be sure to keep copies of whatever you send anyway. It would be forwarded to the right person if the address you used wasn't right.

As far as I understand you don't count weekends - its days to reply, not working days. Remember you're in charge here, not them :)

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Hi there, Ellie was correct in all she said, the only thing I would like to add is please make sure that you have sent your schedule of charges with your letters! (I am assuming you havent as you didnt put that in your post but you probably have so apologies if you have done so! )

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  • 2 weeks later...

Hi. Its now been 14 days since I sent my LBA to LLoyds Tsb in Birmingham and have had no response to this. Have now done the spreadsheet claiming the 8% interest and its added a further £900 to an amount that was £2600. Does this sound about right? I am claiming from August 2000 up until now.

Thanks.

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Sounds right. Mine was £450 on £3000 but over 2 and a half years.

HSBC

7th October 2006 - Prelim for £3078

24th October - LBA

7th November - Claim filed

11th November - Acknowledged with intent to defend

11th December - Defence filed

16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

 

Halifax

7th October 2006 - Prelim for £3427

24th October - LBA

3rd November - Offered £913

3rd November - Accepted as partial payment

7th November - Claim issued

21st November - Acknowledged with intent to defend

11th December - Offered full amount but no late payment removal

4th January - SETTLED + removed adverse credit info

 

A & L

19th October - Prelim for £540

26th October - Offered £358

2nd November - Accepted as partial payment and LBA

27th November - SETTLED + removed adverse credit info

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Hi. Have started to complete the MCOL with the 8% interest added. Do I need to send the bank a further copy of the revised spreadsheet showing how the amount claimed is made up or will they see from the money claim form that 8% interest has been added? My original requests for £2669 over the last six years and with the interest it has increased by nearly £800. Have sent the informal request for repayment and the letter before action over the last 4-5 weeks with no obvious favourable reply.

Thanks.

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  • 1 month later...
  • 2 weeks later...

Hi. Have completed the MCOL form but just wandered about the wording in the particulars of claim. Have quoted account number, date opened, amount in dispute including statutory interest and briefly stating that the charges are unfair etc. and that they relate to excess fees, letters, unauthorised o/d etc. Is there any 'legal speak' that I need to include in the particulars of claim. Dont want to have it knocked back because of how unclear or vague it is, like some others have.

Thanks.

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The correct particulars when filing through MCOL are as follows:-

 

1. The Claimant has an account 1234567 with the Defendant, opened May 2000 2. Since 01/02/03 the Defendant debited charges and interest in respect of purported breaches of contract. 3. Defendant is aware of all details as a list of charges has already been supplied. Another copy will be sent. 4. Claimant contends: (a) The charges exceed the Defendant's losses caused by the breaches; (b) The Term permitting the Defendant to levy such charges is unenforceable under the Unfair Terms in Consumer Contracts Regulations 1999, Unfair Contract Terms Act 1977 and at Common Law. 5. Claimant claims: (a) return of the amounts debited of £XXXX; (b) Interest per S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx; 6. Alternatively, if the charges are a fee for a service, then they must be reasonable under S.15 of the Supply of Goods and Services Act 1982. 7. Costs allowed by the Court.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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Heres a cover to send your schedule (2 copies);

 

(YOUR ADDRESS)

 

 

 

The Court Manager

Money Claim Online

Northampton County Court

21-27 St Katherine’s Street

Northampton

NN1 2LH

 

(DATE)

 

Dear Sir/Madam

 

(YOU) –v- (BANK)

Claim No: ********

 

I have today requested the issue of a County Court claim via the Moneyclaim online service, details as above.

 

Please find enclosed a schedule of the money taken from me by the defendant bank by way of charges, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached with the particulars of my claim.

 

 

Yours Faithfully

 

(YOU)

 

 

If you use the correct POC as posted above and send the schedule to MCOL you should'nt get the "too vague" defence. Even if you did, it would'nt carry any weight.

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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N1 is better yes. You've got as much room as you need for more elaberate POC and you can attach the schedule there and then. That said, MCOL is acceptable providing you follow the above criteria.

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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Like Gary has stated the N1 allows you elaborate your POC, which in my view is better in the long run.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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I know that there is a six year limit as to when you can claim from but I started my claim in September, therefore claiming from September 2000. Since then I have had 2 or 3 charges put on in October and November of this year. When completing my N1 form and submitting my schedule of charges do I have to amend the claim dates - from September 2000 to September 2006, changed to December 2000 to December 2006 as this is when I will be submitting my claim through the courts.

Thanks.

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  • 2 months later...

Not been on the site for a while. Have isued court papers to Lloyds on the 16th February, deemed as served on the 21st February. They now have until 7th March to respond. Quick question, will they respond to the court as well as me by that date and is it as cut and dry that if they dont respond by then then I can enter judgement against them? Do they allow a little bit of leeway or not? Just wandering because of the wording on the court papers saying that if I haven't heard anything than I have a couple of tick boxes on the Notice of Issue. (request for judgement section)

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I'm confused/panicking received counter claim from Lloyds and have decided to file allocation questionnaire with court. Went to CAB have also been advised to make sure I make one last contact with the Financial ombudsman before sending in questionnaire. what do I do? Lloyds did credit my account with £750 as a "goodwill gesture" etc I refused verbally but it went into my account anyway with the understanding that if I go to court then they would ask the judge to take this amount into consideration if I took it further. Amount claimed is more than £4k. Have until 2moro to file as deadline is 4.3.07

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Not been on the site for a while. Have isued court papers to Lloyds on the 16th February, deemed as served on the 21st February. They now have until 7th March to respond. Quick question, will they respond to the court as well as me by that date and is it as cut and dry that if they dont respond by then then I can enter judgement against them? Do they allow a little bit of leeway or not? Just wandering because of the wording on the court papers saying that if I haven't heard anything than I have a couple of tick boxes on the Notice of Issue. (request for judgement section)

 

Hi

They will respond to the Court, the Court will let you know. It is unlikely that they won't acknowledge, and the Court does usually give them quite a bit of leeway.

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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