West v Lloyds ***WON***

[weststreet]

two thoughts

 

What if O/H rings SCM tomorrow ? At least he'd find out if they're aware of Friday's court date, and if they are they obviously intend to defend.

 

Has anyone else actually got to Court ? Has the other side been there ? Was the case heard ?

[lancsman]

Hi i,m with the ice cream seller's too they signed for my last letter but didn't forward it to my "file" don't reply to phone calles then ask me to find out who signed for it!

My court date is set for Thursday 5th october got a bundle of lettes ad bits including letter"helped"by Bankfodder.

If we see them in court i will post on thurs p.m.

"Nationwide first Lloyds last but not least by a long chalk"

Keep grinning chuck.

[reload]

Hi weststreet,

 

Well worth giving the Solicitors a call - it should stir the hornet's nest a little at the very least. However, he must not appear nervous about appearing in court, else it'll give the game away

 

First things first - calm down a bit, relax, take a deep breath - and fix yourself a big mug of coffee

 

As mentioned last night, there is a Basic Court Bundle that Bookworm has prepared to help you out. This contains a lot of useful information relevent to your claim. You will need to print out three copies of these documents - one for yourself, one for the judge, one for the defendant.

 

As you read through the bundle (which I highly recommend you do!), you will notice things like internet links for the OFT report - you'd do well to get hard copies of these printed off too.

 

Judging from what you say though - it sounds as though the Judge is rushing your case through to a preliminary hearing. It could be that the Judge in particular you have is well aware of the whole bank charges issue, if he is forcing the case to court as fast as possible - perhaps in the hope that Lloyds will not have time to settle and will have to attend?

 

It may well also be the case that the solicitors will collar you with a settlement offer on the doorstep. If it contains any clauses and conditions, don't sign it!

 

As mentioned earlier though - don't count on any of the above. Go in to the court with the view of having to prove your case to the Judge. Make yourself aware of the basis on which the whole unfair charges issue is revolving around. The sections mentioned in your particulars of claim are a good place to start!

[weststreet]

lancsman & reload

 

Thank you both very much. Last night I was thinking of bottling it.

 

Today, at work, with a coffee ..... it seems doable again.

 

Plan of action is ....

A) Get O/H to speak to SCM. Make out it's a courtesy call and try to get the lie of the land.

B) Get stuck into the Basic Court Bundle and prepare, prepare, prepare.

 

lancsman, you're on the 5th, I'm on the 6th. I would be very grateful if you'd tell me what happened with you, ie if they turn up, what they argue, how you respond etc. Best of luck lancsman.

[weststreet]

Just noticed something .... '3 hours has been allowed for the trial' per the notice of hearing - is this normal/standard ? Thanks.

[reload]

Pretty much, although some people mention on their AQ that '1 hour should be sufficient for the hearing'.

 

I doubt it'll take quite that long!

[weststreet]

Bugger ! SCM won't take his call. O/H tried - lunch, meeting blah blah. Says they're deliberately not taking the call. So he's booked 2 days off work and travelling down tomorrow ( he's working away from home ).

 

I didn't want to go to Court but no option now. We're going.

[closey]

Have you got everything you need? Are you all prepared?

[weststreet]

closey

 

I've printed off the 'Basic Court Bundle' to read this evening after work. Will also print off the McNamara interview. Have the OFT statements 05/04 & 07/09. Have lifted mjanet's 'defence' from the won section ( to amend ).

 

Will read toniight and list anything else that might be useful then print that off tomorrow.

 

Any suggestions welcome.

[christinajanep]

I wish you all the best weststreet but IF it does go to court i bet they dont turn up which makes it alot easier.... could be an offer on your doorstep when you get home...

 

let us know how you get on been glued to your thread, feel like i'm coming to the last couple of pages of a really good book.

 

GOOD LUCK

[closey]

Excellent work, you sound very prepared.

 

Like Christina says I would doubt very much that they turn up. Can't wait to hear what happens.

[weststreet]

Thanks for the support.

 

I still feel out of my depth, but I'll do my best !

 

Any other suggestions for more ammunition, please suggest away.

 

I'll let you know what happens on Friday.

[closey]

Have you got a court buddy?

[weststreet]

No I haven't. Is it too late to try to get one ?

[closey]

Might not be. Click the link below:

 

http://www.consumeractiongroup.co.uk/buddy.php

[sadie boner]

i have read your thread and i just want to wish you all the best, try not to be nervous, and dont forget the most important thing..... IT,S YOUR MONEY.

[weststreet]

Closey

Talked to O/H and decided to go it alone. feel more confident and prepared after the reading and preparation I've done today.

 

Sadie

Thanks for the good wishes - I hope so too.

 

Just read vikkijarda's thread. They had the same Court date as us, 6th Oct and Lloyds just bunged the money into their account today, so very last minute. O/H has closed his account so that can't happen. But it's reassued me that they hopefully will try to settle rather than go through with the case. We'll see ..... O/H is back tomorrow for this and has surprised me by being very upbeat and positive and determined. So I'm feeling a lot happier than I was before.

 

Thanks for all the support.

[caro]

I am glad you are feeling so much better about this. This shows how important it is to be prepared for court, as it gives you confidence and it must be great to know your OH will be there by your side.

 

Remember that you are in the right. Try and keep calm and just take a few deep breaths if you feel yourself getting in a panic. If you don't understand anything ask for it to be explained. The judge should do this for you. If Lloyds say something that you believe to be incorrect then say so and why you think it is wrong, but obviously don't interrupt. I have put a link below to some advice BankFodder has prepared for people going to court in case you haven't seen it. I wish I could be there with you, but lots of us will be with you in spirit.http://www.consumeractiongroup.co.uk/forum/guidance-notes/641-case-guidance-notes-going.html

[lancsman]

WESTSTREET LANCSMAN HERE.

 

THEY PAID UP.......... THE ICE CREAM SELLERS WRANG ME UP AT 3.00PM WEDNESDAY (COURT DAY THURS) SAID THEY,D BEEN TOLD BY LLOYDS THAT THE AMMOUNT OF MY CLAIM HAD BEEN PAID INTO MY ACCOUNT.SO THERE WOULD BE NO NEED TO ATTEND COURT!ALSO THAT THEY WOULD WRITE TO THE COURT TELLING THEM IT HAD BEEN SETTLED...NO CONDITIONS AT ALL JUST PAID.

 

I don,t know how they may pay you but it,s definitly likely,i thought we were going all the way,because they disagreed with the ammount i was claiming big style(by£600.00approx).

 

was prepared too,wrote note to court mentioning Lloyds misuse of the court system and apologising for the drain on their time...

 

xcd fingers for you

[christinajanep]

i really dont think they'll show west street, you may get a call today or find a nice cheque on the door step when the posty arrives, but if you do end up before a judge i wish you the best of luck, youve got everyone behind you from this site and we'll be waiting by the computers tommorrow to find out how its gone. x :grin:

[weststreet]

hi christina

 

Well there's no bank account to do a last-minute bung in to. They haven't got his phone no/wouldn't take his calls. With what I've read their admin leaves a lot to be desired so the chances of getting a cheque on the doorstep ( day before court ) would be brilliant brinkmanship so .... I think not !

We're resigned to going to Court tomorrow. There are then 4 possible outcomes - 1) They don't turn up 2) They settle before case heard 3) They ask for an adjournement 4) The case is heard and decided.

 

Whatever happens, happens.

[christinajanep]

i guarantee they wont turn up, maybe try calling them again today asking them if they intend to show tomorrow, worth a try either either way you'll have your money very very soon. look at lancsman it all happened to him they day before

[weststreet]

christina

 

Yes, I was delighted for lancsman. Same thing appears to have happened with vikkijarda. Why are they playing such silly games ??

 

No O/H won't call them. It's his case so his call. He didn't say but I think he got treated like something that gets stuck on your shoe when he phoned them ..... so he's gone all 'guns blazing' now.

 

Putting together my files ready for tomorrow. :!:

[christinajanep]

well as before the best of luck, not that you need it

[christinajanep]

was there a cheque waiting for you when you got home