Guido T v Lloyds TSB ***DEFENCE STRUCK OUT - WON****

[GuidoT]

Gary, penalties do not come up that much, it is usually quite clear if something is a penalty.

 

I have stumbled across the Dunlop v New Garage case before but we do not argue much about the penalty point as it is reasonably settled law. Probably why the banks are not prepared to test their cloaked charges in court.

[GuidoT]

I have deleted this post as I double posted - donkey

[GuidoT]

I was doing a search for other solicitors and thought I would see what kind of standing SCM have. I now see that SCM are part of Lloyds TSB Asset Finance owned by Lloyds TSB.

 

Effectively they are Lloyds' in-house lawyers - that probably comes as no surprise to most.

 

Therefore, if you speak to them once the litigation is in progress, they are (unsurprisingly) about as helpful as the staff at Lloyds, as they are indeed Lloyds staff.

 

This just reinforces my view about speaking to them, there is little point, indeed speaking to them may dissuade you from continuing if they are difficult or rude on the phone.

 

I do appreciate that sometimes, claimant's obtain settlements quicker if they speak to them, but I suspect that the settlement would have come anyways.

[GaryH]

Yep, they're pretty much an extension of LTSB's collections department. They aren't even listed in directory enquiries, plus Breadline did a land registry search a while ago and Lloyds own their site!

[uglynine]

Hi Guido T,

 

You're thread is getting quite busy now, glad to help you on the way to page three (no sniggering please!)

 

I think you're wise to proceed with the new AQ directions prior to any outcome on the kazzaw thread. I'm in a similar boat with my AQ due on the 17th, so although I'm tempted to draw the courts attention to the Lincoln order, without any outcome, I'd feel a bit uncomfortable....

 

As has been mentioned previously, the banks are not muppets and know what they are doing, it will only cause them to adopt a different approach with these claims...

[GuidoT]

Thanks agonynine, do you have a thread setting down the progress of your claim, I could not find it?

 

We are only two days apart, the last day for returning my AQ is the 15 January 2007 (I returned it early) - it would be good to follow your progress.

 

After reading your post again, I got it and sniggered, i.e. the page 3 part.

[uglynine]

Hi Guido,

 

I sniggered after I wrote it!

 

I've just started my own thread, agonynine v NatWest but my claim is versus Natwest (obviously). Any contributions to my thread would still be greatly appreciated though!

 

I noticed that you're based in London, what court did you submit your AQ to?

[GuidoT]

Agonynine - nice work, opened your new Natwest thread with a long one.

 

You will see I just opened in Natwest today too, but on that one I have some way to go.

 

Claim started in Watford (I know not London but near enough) and still remains there, for a court they have been very efficient.

[buzzbaa]

Hi GuidoT

 

Had any success with the New AQ Strategy.

 

Ive got to post out my AQ next week (dead line 27th) and was wondering on holding on for a few more days.

 

Cheers

 

Craig

[GaryH]

Every claim so far in which the draft directions have been proposed they have been ordered, so yes, I think you could call that success! See this page of the new strategy thread - http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires-8.html#post481560

[GuidoT]

Hi Buzzbaa, no response yet, but you should still use the New Strategy in any event. I do not expect further direction for another month or so.

 

You may want to hold on responding until we see the outcome of Kazzaw, see my posts above in particular 17.

[GuidoT]

Received offer in the last few days for all the 6 years charges, statutory interest and court fees. However, no mention of deducting the previous goodwill payment.

 

For most people this would be all of their claim, however I am claiming back 10 or so years and contractual interest.

 

I think this is a change in strategy for Lloyds. Now making proper offers before even the AQ have been returned.

 

I will post the full letter here later.

[buzzbaa]

Hi GuidoT

 

What was the closing date for your AQ?

 

So do you think they will pay your claim for the 10 yrs?

 

Sent my AQ off today, along with the Strategy Attatched, and copy to Lloyds Monkey's. Closing date 27/1/07

[GuidoT]

Hi Buzzbaa - AQ latest date was I think 17 January 2007.

 

I am thinking if the judge makes the order as the new strategy and SCM do not produce the evidence (which is likely) their defence will be struck out and then by default I will obtain the 10 years going back.

 

I will just wait and see.

[photoman]

Just subscribin

[GuidoT]

You are most welcome Photoman. I was to scared to get involved with your thread, after I saw BF's posts. I did not think that you deserved such a vehement lambasting.

[upton11]

Guido Hi

Are you around?

Paula

[GuidoT]

Hi Paula - yes I am still here, my thread is so boring it is making me sleepy....

[upton11]

Guido Hi, Thanks for that. I had a few problems with my threading and knowing you are quite techie I thought of you, but it transpires I am not alone.

 

I was looking for Photoman's thread to see what his lambasting (which you mentioned) was about, but I can't find it.

 

Paula

[photoman]

...........as I'm now subscribed I can hear the whispers behind my back

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/54548-could-biggest-claim-site.html

[GuidoT]

I need to be more careful, do not tell me off, you know what happens if you misbehave here (your post 104)!

 

I posted the link on Upton11's thread for ease.

[upton11]

Guido, please forgive the highjack. Photoman there was no gossip - merely the need to see what Guido was talking about. More nosey parker than wilful gossip!

 

PS Guido, every time I come on line, you are here or have recently been - honey, like me, you need to get out more!

 

Paula

[GuidoT]

Hi Paula - highjack all you like, nothing happens with my claim anyway.

 

I know I need to get out more - Friday night too; how sad. At work I am always on line and when I get bored I do a few posts. I usually work in the evening a little too and respond to a few posts then too.

 

Anyway I am having a day off tomorrow - I am allowed out - all day.

[upton11]

Guido, Hi

 

Be careful tomorrow- it is a big, bad world out there. Stay safe and only play with the nice people!

 

Paula

[GuidoT]

Paula - Do not worry I would not interact with any real humans, never mind play.