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Pen vs Lloyds TSB **TOTALLY & UTTERLY WON!**


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Pen, I know the chorus of congratulations is really loud but I just wanted to let you know that I'm really happy for you. It must have been a great day and such a great sense of achievement to have so much success on the same day! You have restored my faith in "what goes around comes around!" keep at em babe;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Pen was quite prepared to argue her case for Compound Interest yesterday, especially when LTSB’s barrister sailed in and pronounced that her client would be stoutly defending on the basis of no implied terms, citing Halliday.

 

Pen promptly drew the judge’s attention to the fact that she was expressly not relying on that approach and was claiming on the basis of a trust with the bank as fiduciary. This prompted a good deal of paper shuffling on the part of the barrister, who had not read Pen’s witness statement. This was no surprise, because she had to ask us for a copy on her arrival! Yet another badly briefed lawyer.

 

With no wind in her sails and foundering, the barrister was unprepared for the judge’s broadside. How on earth could her clients defend one claim for compound interest, having settled the other claim in full? Surely, they had compromised themselves? Holed below the waterline, she sought refuge at the end of a telephone call to her principals. A few minutes later the white flag was hoisted and defeat conceded. LTSB would pay the balance of the first claim in full.

 

Pen then asked for the terms of her claims to be implemented in full, i.e. the addition of compound interest from the dates of claim until settlement. The judge whipped his calculator out and added a further £747.50 to the award, despite protests from our barrister, who then sank with all hands.

 

In one respect, it would have been interesting to plead the claim for compound interest using the witness statement so ably prepared for Pen by Gary. But, there will be other opportunities, not least my own claims, to put it to the test.

 

All in all, a nice day out, eh Pen?:)

 

Els

BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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BIG CONGRATULATIONS!!!!!

 

ABSOLUTELY FANTASTIC NEWS.....

 

& WELL DONE :grin: :grin: :grin: :grin:

 

to both of you..... 'pen and elsinore' "what a team"

 

 

Innocent ;)

:D CLICK MY SCALES IF I HAVE BEEN USEFUL :D

*

BARCLAYCARD WON £307

*

CAPITAL ONE WON £2.1k

*

NATWEST WON £3.4k

*

LLOYDS TSB CURRENT

Start 26/4 LBA 7/6 conLBA 22/1 N1 12/3 AQ 3/5/07ONHOLD

MORE THAN/ LLOYDS MCARD

Start 2/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

MONUMENT VISA

Start 1/11 CONTL LBA 15/1/07 NOW RE-RESEARCHING

NATWEST BUSINESS

RESEARCHING

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Pen,

 

Sorry to be late but congratulations :D . Stick around I think we are going to have some fun now. I'm going to read all of your thread :eek: and then apply everything to my business account.

 

Wow what a gal :D

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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I'm going to read all of your thread :eek:

Good luck with that!:D

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 think the Lady has left the building!!! :D Maybe out spending some of the hard won cash :razz: :razz: !!?

Dave Broke.......If you are thinking of reading the whole of the thread - you had better get a BIG cup of tea - ot somthing a bit stronger:eek: take the phone off the hook and be prepared for a big night in!!

Darling1

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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Good Look Dave.

 

I have chopped and chipped a lot of the posts at the beginning because i was confusing everyone, but the best bits are from posts #42 when a lot of members thought i was being ridiculous to try and claim so much back and a loan:D :D read it and weep all those of little faith:D :D :D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Te He :D :D :D :D :D :D

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

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I'm bored already:o

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Pen, You ever thought of learning how to juggle and eat fire at the same time? It will certainly fill the time gap and if you get it wrong you get to meet lots of nice new people at the hospital ;) What's your next project then?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi jshtr3, glad you poped along. I have no idea, I hate being at a lose end and I'm no good at fire eating althrough I'm ok at sprouting it. :D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Yes, I would imagine Mr. Pen has had reason to call you a fire breathing mythical creature before now;) It's a really strange coincidence that your claims ended with your degree isn't it. Time to reflect me thinks. You could buy a really big mirror with your winnings. That would surely please Mr.Pen:D

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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ha, a big bag for my head would please him more:D :D . I have decided I am going to have a go at geting my mortage chargers back, I only hope that site is as friendly as our one. I think the principle must be the same and i do have all my SAR details so it's just a matter off working out what I can reclaim back. most chargers are litigation fee;s nearly £3,000 before interest so I need to search round and see if these are reclaimable. any of you loverly people tried reclaiming mortage chargers !!!!! and could maybe PM me with some directions,

 

Well, it's something to do for now:D :D :D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Hi Pen,

 

Just wanted to add my congratulations...all be it a little late!!!

 

Been working my socks off recently and havent been on CAG for a while.

 

I am soooo happy for you after the ordeal you have been through, i don't think i'll ever forget your struggle, and i'm really glad you didn't give up after the first disappointments at court.

 

Enjoy your win, hubby must be dead proud of you!

 

 

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Hi Pondy,

 

Thank you, yes so am I glad I did not give in, I was tempted to be honest, many a time and your right one of those was then they paid me out the chargers plus 8% plus court fees and i had the cheek to turn it all down in court:D :D when everywhere on here it states if you are awarded all this TAKE IT!!!, the money was in my bank though so i did not think I was taking that much of a gamble holding out for CI as I thought the Judge would either say yes or no and if no i still had my money.

 

But how lucky was I, I don't know off any member who has had such a big win in a long time so yes I am very very proud I feel famous in fact and it's all thanks to this site and it's members but particular Gary and Els 2 such lovely people.

 

Now I have to concentrate on this disposal hearing as the claim following on from this will be such a biggy, that i don't want you all running for cover. I am going to need so much help and support as i am scared my little old socks off at the thought of it, I will be claiming back over 20 years of chargers plus other things:D :D I might just live on this site. is there a hidy hole somewhere i can just pop out off every now and again.

 

Pondy, what are you upto now your claim is over do you have any others in the pipe line.

 

take care.

 

Pen x

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Update on O/Hs loan.

 

I called the court today to finally see what happened. The clerk said LTSBs claim has been formally stuck out on the grounds that they failed to submit a Allocation Questioneer by the 25th June 2007. I will receive written conformation shortly, great no more worry over his loan and another £7 800 saved. LTSB really have taken us for a ride, don't you think. what a way to treat customers:(

 

Disposal Hearing 26th July: I have had to cancel this hearing today and ask for a later date, mainly due to not knowing the way forward with it. All I want is my banking information from LTSB, they had just tried to unsuccessfuly screw £7,800 out of us for a loan we never had. The courts want me to estimate all my loses over the last 29yrs, ref post # 577 why ?????? the claim is only in the small claims track Arhhh.

 

I will keep you all informed of the new court date. Maybe I should write a play or let the press do it for me.:D:p:eek:

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Donation finaly made, :D :D how nice is it to say that at long last

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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New date for disposal hearing, 6th Aug.

 

LTSB not paid out as yet, 7 day's to go. It would be great to get the bailiffs involved :D :D :D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Donation finaly made, :D :D how nice is it to say that at long last

 

 

Just made mine this morning too.

 

Best investment I've ever made !! :D

 

PM

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

ARE YOU A BUSINESS CLAIMANT?

 

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GO HERE !

 

CAN'T FIND WHAT YOUR LOOKING FOR?

 

Look here.

Got your old T&C's ?

Visit this thread to help others.

 

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

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Well Done PM, I hope you got what you asked for :) I think you have had a worst battle then I had. so I am made up for you congratualtions :D :D :D Oh by the way, could you email me thoses spreadsheets from your other thread. I will PM you my email,

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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