Jump to content


  • Tweets

  • Posts

    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

jcd34 v Lloyds ** WON **


jcd34
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6330 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

I have sent my letter before action and so have about 6 days before i can issue a claim through court .Lloyds havent responded at any letters yet like the prelim or this lba .

If i do a court claim am i right in assuming that i calculate the 8% interest on each individual charge based on how long each charge is outstanding ? The various spreadsheets have got me in a spin !! And i dont want Lloyds to have any excuses for not paying me !! Im claiming £1600 total made up of 45 separate charges .

Link to post
Share on other sites

  • Replies 74
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Just wondering if this is normal ? i know that some banks will just ignore you till you file a court claim .I sent both letters recorded delivery so i`m assuming its just Lloyds being rude !

 

 

When did you send the letters

Link to post
Share on other sites

Lba sent 10th october so 14 day deadline not quite up yet but never had response to prelim either sent 14 days before the lba .Used customer care address on my statements ( local head office )

 

ok you will need to wait for the 14 days to expire before issuing a claim. you can however contact them and remind them just to nudge them along.

  • Confused 1
Link to post
Share on other sites

ok thanks for that . I will give them a nudge just to remind them that i`m not going to just disappear and let them keep my money ! Roll on the 24th oct so i can file my claim with court .

Link to post
Share on other sites

when i fill in my claim form do i put the same address i used on my Lba /prelim letters which was customer care dept of my local head office ( the address on my statements ) or is there a central Lloyds dept/address that you have to use ? Sorry if its a dumb question but i`m getting the jitters now about all of this .

Link to post
Share on other sites

as recommended on this site the other day i spent all day yesterday trying to get someone at Lloyds to confirm they had received my prelim and lba letters as they hadnt bothered to reply to either .It was a complete farce and to top it all the bank havent sent me out statements for the last two months .I ended up in my local branch who finally confirmed my letters had been received but my statements had been sent to my previous address !! Where i havent lived for over 5 years !

So i`m more than ready to file with court on the 24th .I was given the Gresham St address in london details by a poster as to what address to put on my N1 .Is this what everyone has used ? So annoyed with Lloyds incompetence that im not sure i trust them to even open it when they get it !!

Link to post
Share on other sites

yes you calculate the interest on each charege and how long outstanding and just file your claim on the 24th.if you're filing online you will have to send the spreadsheet to the court by post as there is no facility to do it online.good luck.

Link to post
Share on other sites

i know i posted this somewhere before but i cant find my thread !

 

Due to file my court claim on the 24th so does anyone have the address that i put for Lloyds on the claim .I sent my prelim/lba to local offices but got reply to Lba from Customer Service Recovery Centre in Andover . Do i use this address or is there a main address to use at this point now .

 

thanks

Link to post
Share on other sites

since sending off my prelim and lba with the schedule of charges attached i have since had another £60 in charges taken ! Can i add these to the spreadsheet i hand into the court even though they wouldnt have been on the lists i previously sent to the bank ?

Link to post
Share on other sites

an updated schedule of charges can be given to court

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

Link to post
Share on other sites

Repayment of amounts charged by the defendant to the claimant for purported breaches of a contract to supply current account banking services in contravention of the Unfair Contract Terms in Consumer Contracts Regulations (1999), the Unfair Contract Terms Act 1977 and the common law

 

 

Think this is right? Courtesy of Cheddar on Toilet Bandits marvellous Natwest thread. Worth a read by the way.

good luck

Link to post
Share on other sites

So i`m due to file at court on tuesday ( bit scared) and have got my list of charges with 8 % interest now attached and on charges of £1700 they will owe me £500 in interest !!! Feel like banging Lloyds heads against a wall and saying ; Pay me now and you`ll save money ,you fools !!! But if only it was that simple .....

Link to post
Share on other sites

Can anyone help me regarding the N1 form to file at court .I have text to put in under Details of Claim and Particulars of Claim but am a little unsure as to what to put under Value

 

Do i put :

 

Bank cHARGES £ XXX

iNterest £XXX (under sec 69 )

 

And then a sentence to say i want daily rate of interest up to the day of judgement /payment at ( amount of charges x 0.00022p )

 

I am not claiming court costs as i am exempt from these anyway .

 

I`d be grateful for help as i file tomorrow and this is (hopefully) my last stumbling block on this form .

Link to post
Share on other sites

Can anyone help me regarding the N1 form to file at court .I have text to put in under Details of Claim and Particulars of Claim but am a little unsure as to what to put under Value

 

Do i put :

 

Bank cHARGES £ XXX

iNterest £XXX (under sec 69 )

 

And then a sentence to say i want daily rate of interest up to the day of judgement /payment at ( amount of charges x 0.00022p )

 

I am not claiming court costs as i am exempt from these anyway .

 

I`d be grateful for help as i file tomorrow and this is (hopefully) my last stumbling block on this form .

 

Yes, under Value put

Bank charges of XXXXX

Interest of XXXXX

plus £10 DPA fee (if you paid that for your statements)

 

you can put the daily rate of interest at the end of your particulars of claim. :-)

Link to post
Share on other sites

Thanks alot for that Stadium Arcadium . If i`ve still got the brain power after doing all this i will post paragraghs i used for each section of the form for anyone else who needs them .

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...