Dappa Vs Lloyds TSB

[Dappa44]

Well those nice people at Lloyds have now charged me over £900 in charges since i started this claim. Looks like as soon as its settled i'll be doing the same account again. Beyond a joke !!!

[closey]

When you get to the stage when you negociate settlement with their solicitors (which you will) then make sure that any charges they have taken since you started your claim are added on. if they refuse, then let it go to court. They will pay up.

 

If the collections department call again advise them that the account is in pispute and that you cannot discuss matters with them until the claim is settled.

[Dappa44]

Cheers m8, i will do.

[GaryH]

Word of caution - If you are offered a full, unconditional settlement for the amount that you claimed for, you have to accept it. You can try to negotiate the recent charges into your settlement, but they would be under no obligation to do this. MJ, for some reason, were seemingly more inclined to agree to this than SC&M, who on most occasions refuse. Your options are; a) contact the court and amend the amount of your claim to include the recent charges, which will carry a fee of £35, or b) ensure you don't agree to the 'no future claims' condition when this one is settled, and start the process again.

[Dappa44]

Thx Gary, I think i'll wait until they pay up, then start proceedings again on the same account for the extra charges. BUT making sure i cross out the relevant conditions

[GaryH]

That would be fine. Like I said, by all means try to get the recent charges added with this settlement, but don't count on it. Make them aware that you will start new proceedings if the whole lot is'nt settled.

[goldiea]

Hi Dappa,

 

Hows it going, any update?? I am rivited..

 

xx

[Dappa44]

Still nothing, i rang the CC for an update and they said i will receive a court date this week for around November.

 

Still waiting patiently for the letter from SC and M to settle though

[Dappa44]

Just a quick update ::::::

 

Ive just had a phone call from TSB Collections centre and i thought i'd turn the tables. Someone posted this in another thread and i laughed my ass off.

 

TSB "Hi im calling to ask for payment to your account regarding your overdraft"

 

Dappa "Ohh great when are you paying it in"

 

TSB "im sorry, can you repeat that"

 

Dappa " Ohh great when are you paying it in"

 

TSB "are you in some knid of dispute with TSB?"

 

Dappa " you guessed it" "are you gonna pay me then?"

 

TSB "im sorry all i phoned for was to tell you that your account will be passed onto a debt collecting agency if it is not brought back to its limit within 90 days, and this is day 58"

 

Dappa "Ohh im sorry i wasnt aware it was at 58 days, you could have told me sooner mind!!" "And are you aware that you have just threatened to close my account whilst im going through a court dispute"

 

TSB "ermm, ermm, ummhh, i think what ive said is within our legal boundaries"

 

Dappa "ok thats alright then, so would you please say it again when i record the conversation"

 

TSB "ohh, ermm, im not allowed to agree to a conversation being recorded"

 

Dappa "listen mate im making the required payment on the 20th, so the overdraft will be within its limits"

 

TSB "thank you, i have removed the last charge of £48.50 because of the hassle today for you"

 

Dappa "Thank You, theres just another £4000 you need to pay to put my account back to normal mate"

 

TSB "I'll let head office sort that out"

 

End of Conversation:::::::::

 

Just thought i'd turn the tables on the swines for a change, the cheek of them phoning me for £160 when they owe me £4000.

 

Anyway they took off £48.50 so i should be grateful ehh not !!!

[Dappa44]

Finally a court date is here 5th DECEMBER, well suppose its gonna make a nice xmas pressie, paying off all the debt. 2 months time and i'll be laughing.

 

Do i have to send my spreadsheet to the court now then, along with evidence that i will be bringing with me if it gets that far?

[tscw1]

5th of December seems a long time away, I've started a case and currently waiting for the defence and AQ, but if I then have to wait another 5 month I'll be gutted. Anyway good luck

[GaryH]

Finally a court date is here 5th DECEMBER, well suppose its gonna make a nice xmas pressie, paying off all the debt. 2 months time and i'll be laughing.

 

Hi Dappa

 

Think youself lucky you even got a court date! Many cases are being stayed at the moment, mine is untill 1st March next year.

 

Do i have to send my spreadsheet to the court now then, along with evidence that i will be bringing with me if it gets that far?

 

Not unless the court has asked you to. If you have'nt already you will get directions soon telling you what you need to provide. Even if you have'nt received any directions yet, its still a good idea to start rounding up you evidance. I have'nt had a look at it yet, but I've noticed Bookwoom has put together a 'court bundle' which will tell you what sort of things you need to include as your evidance - McNamara interview, relevant cases, etc. You'll find it in the templates library.

[Dappa44]

Excellent stuff m8, thx for that.

 

Why the hell is yours stayed until march???? Thats a bit harsh to say the least!!

[GaryH]

Yeah its a bit of a bummer. Its stayed in anticipation of the test cases that are due to be heard in the mercentile court early next year. I doubt they'll even get to court though, the banks will most likely do what they always do and settle. I've got a hearing to try to get the stay removed on October the 19th, so fingers crossed I won't have to wait till March anyway. I'll update my thread with the details tomorrow.

[Dappa44]

Fingers crossed for you mate

[Dappa44]

This topic was closed on 08 March 2019.

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