Lloyds have defended the claim - Help!

[chocky007]

Hello there, ive already got my money back from hsbc pretty much straight away but im doing this claim for my brother, i went through the usual stages and then ended up filing a claim through Money Claim, received a response just saying that:

 

'an acknowledgement of your claim has been filed today and a copy is attached. The defendant now has 28 days from the date of service of the claim form to file a defence'

 

and on the acknowledgment they have ticked that they will defend all of the claim!

 

Do I need to do anything else at this stage yet or do I still wait? if i wait what shall i expect?

[vix8180]

It sounds as though I'm at exactly the same stage as you! I received the same through the post this morning, saying they will defend. One thing - have you sent a copy of the schedule of charges to the court/solicitors to attach to your file? I've read so many posts and some suggest you do and some say you don't need to - I can't decide whether to or not...

[chocky007]

i made the claim online so thought i didnt have to include the charges in a spreadsheet again....

[ukaviator]

Hi Team

 

After you file with MCOL there is a period of 5 days for them to receive the paperwork. It will say issued on MCOL. When it is received by LLoyds solicitors they will mark it as Acknowledged. Then file a defence if they want to go down that route. You will then receive an AQ (Allocation Questionair ) with their defence which you read through and fill in the form. There are guidlines on the site on how to fill this in. You may find a box ticked at this point saying that they want to settle out of court. Contact them to ask for it all back. Lloyds always take it to the last stage then back down. It costs them more in the end. The spreadsheet they do already have i assume,because you need to send that with your Prelim letter. If you do fill in the AQ then add that to the court paperwork as well. You need 3 copies of everything. Hope this helps

 

Uk..

[GaryH]

This is normal for Lloyds, they take it further than most others, probably in the hope people will drop out. Stick with it though, they always pay up in the end. They will now file a defence within the 28 days, which you will receive a copy of from the court along with an allocation questionnaire. You will have to complete it and send it back to the court and they will pay up sometime after that.

 

You need to have a good look at some of the 'won' threads in the 'Lloyds successes' forum. This will give you a good idea of what to expect at every stage.

 

Also, if you have'nt already, please send 2 copies of your spreadsheet to the Moneyclaim court as soon as possible by recorded delivery. Heres a covering letter;

(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)

[GaryH]

i made the claim online so thought i didnt have to include the charges in a spreadsheet again....

 

You do. If a schedule of charges is not included with your particulars of claim, Lloyds will have grounds to argue that your claim is not adequately particularised. As there is no space for the schedule on the online form, the only way to get it included is to post it.