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jcd34 v Lloyds ** WON **


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Just print off the transcript from the link I gave you and add it to your bundle - no need to include the actual recording.

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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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Thanks Gary , you have been such a help throughout all this .I`m feeling excited and scared now - hopefully this will all be over soon .At least if i do go to court it will only be for 10 minutes !!

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Ok, sorry for asking for more help but my brains turned to mush !

 

When i include all correspondence between myself and the bank i`m assuming thats all letters until i filed at court ! Or do i need to send copies of their AQ and Defence . ?

 

Also do i need a personal letter of some sort ? that restates what my claim is and then details more personal info ?

 

any tips much appreciated ( again )

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No, you don't need the court documents such as AQ, defence, etc.

 

You can include a statement of evidence - http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires-3.html#post482194

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I have also included a quote from lloyds defence regarding that they warn customers in advance of charges and listed my customer notes from lloyds where it clearly shows that 30 statements were destroyed by them by reason of `incorrect address` .I have stated that at no time did my address change or did i instuct bank of a change of address and so as a result of not receiving these statements i was not given advance warning of some charges . I have worded it as `legal` language like as i can - do you think this is relevant or should i just include the customer notes in my bundle but not mention them in my statement of evidence ? The notes clearly state `` letter deleted `` and ``statements destroyed `` .

 

jcd

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Yes, if they've not notified you of the charges they have taken then that adds weight to the arguement that the charges are unfair and unreasonable. By all means include it if you want to.

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Oh good !! I was hoping i could as its been a real issue between Lloyds and i .thanks for that .All i need to do now is a huge lot of photocopying on monday .i have till about the 13 feb to return the court bundle but i want to do it early so SC & M know i`m serious !!!

 

thank you !

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You're welcome.:) I'm glad its coming in useful.

 

On the 13th, if they haven't either settled or submitted documents (which is doubtful!), then refer to this thread and send the first letter - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html

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Well i have done my court documents and am going to take them to the court and post them to SCM tomorrow - all 130 pages of it !! Thanks for all the help off everyone so far .Now its just a waiting game till the hearing on the 28th Feb - fingers crossed for a settlement soon !! I have reminded SCM in a covering letter that i look forward to receiving their documents by the 13th Feb at the latest .

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I have just phoned SCM just to check that they received my court documents ok and i asked them when i could expect their documents .Man on phone said they were not relying on any other documents other than the defence they had already filed so they didnt need to send anything !

 

I said `` ok , so you arent going to follow the courts directions then `` .SCM fellow said they didnt need to as we already had their defence documents .

 

So am i right that its a non -compliance of orders ( and so basically an admission that they arent going to be turning up in court )Horrible snotty attitude of these people really annoys me - he did his best to try and confuse me and was all eager to get off the phone when i obviously knew what i was talking about !!

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This is the problem with ringing them - they're completely and utterly arrogant and unproffessional (barring one or two). From now on, I would say don't even bother. Send the non-compliance letters at the relevant time then let them come to you.

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 have sent SCM the first non compliance letter today and sent a copy to the court also .This stalling really annoys me .Having read a few threads lately where people have had to turn up at court only to find out that lloyds have faxed settlement to courts has really made my blood boil .

 

If i have to go to court on the 28th i `m going to have to miss college and get someone to collect my child from nursery -all for something which could have / should have been settled by now .

 

I am so tempted to phone SCM again and give them an earful about time wasting .Instead i`m going to tot up my costs instead and maybe claim some of those back as well.Maybe i should include the cost of the childminder in there too !!!

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Well - I WON !!!!!!

 

SCM received their non compliance letter on the 14th and yesterday evening the full amount owed just turned up in the account .no letter off them to sign and return or anything !!

 

Im so pleased and so very grateful for all the help and info i got from this site .Thank you all so much !!!!!!!!

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Congratulations!!!:D :D

Don't forget to let the Courts know that they've settled, there's a letter here if you want to use it:

http://www.consumeractiongroup.co.uk/forum/post-487345.html

 

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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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'll get your thread moved for you;)

 

Oh, and.....

 

CONGRATULATIONS!!!

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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You're welcome;) - I'm glad its coming in 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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