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Sunnyside V Lloydstsb


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Hi Sunnyside,

 

Personally I would take the written letter approach, this way your progress can be measured against other peoples experiences and correspondence, as well as it being more official and trackable.

 

 

 

Good luck

wavelab:D

LloydsTSB

S.A.R Sent 12/9/06.

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I'm filling in the prelim letter and there is a section in red about defaults on your credit record. I cannot find anything about this in the step-by-step guide but am I supposed to delete this bit as I don't think I have any on my record?

Thanks

Sunny

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hi there,

here is a link to the templates library

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

when you post a new question, you will need to be in the correct forum ie:- this is the Lloyds tsb forum.

there is a "button to click on called new thread" at the top of each page, use this to post your questions, then it will be read by all the forum and you will have more chance of help.

hope this helps

s williams

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Just about to email my prelim letter using the address from the bank contact details section and it says to use this email address for queries regarding technical difficulties on internet banking and questions about D/D and S/O. Does anyone have a more appropriate email address for lloyds? Otherwise I will post it to the Birmingham address.

Thanks :)

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Well I sent my prelim letter off yesterday evening by email - I thought I would get an automated acknowledge back but nothing so far. I wonder if they will respond to me by email or written letter ....... watch this space!

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good luck Sunnyside, I've taken to Faxing too especially when you get to the negotiating settlement time, with Sechiari and Co.

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Emails are aceptable forms of communication however you can,t prove they were received it...snail mail maybey slower but atleast you get a signature to prove they received it...

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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You'll find that when you get to the stage when you're trying to negotiate settlement with Lloyds, that Sechiari then act on their behalf and they do not have an email ( well not one they'll disclose) and all your communication will then have to be by mail, telephone and fax... and do bear in mind that most of us who are writing and patiently awaiting replies from Sechiari are having to cope with their "clearing dept" so even when you send or try to receive a letter counting the time after it was sent doesn't match up with the time they read it or in fact send it !

Sorry to sound pesimistic but it's from current personal experience !

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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  • 2 weeks later...

Hi

Is this their response to the Preliminary letter? If so stick to YOUR deadlines and send them the Letter Before Action next, don't bother giving them another 2 weeks to investigate

Good luck!

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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Hi Barty

Thanks for your response. I initially emailed the Prelim Letter on 25th October so they have replied to me within the 14 days but obviously with no offer. Do you think they are using delay tactics?

Sunnyside

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