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edinburgh_al v Lloyds TSB [Scotland]


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Okay, statements received so ready to go. Charges totalled £759 for the last 5 years.

 

I believe the fact that my account is with Lloyds TSB Scotland precludes the possibility of me claiming in England if, or when, we get to that point which is a shame as would have added another £245. Still, not to worry will draft the initial approach for repayment tonight.

 

Cheers.

 

Alan

edinburgh_al vs Barclays

 

28-11-06 Preliminary approach for repayment

11-12-06 Received Offer of £440 Against £925

14-12-06 LBA

28-12-06 Barclays state unwilling to accept compromise

25-01-07 Summary Cause Claim Filed for £1117.

04-04-07 Return date passes with no word from Barclays

03-05-07 Decree received form Court. Letter to Barclays requesting payment by 11/05.

11-05-07 Barclays settle in full

 

edinburgh_al vs LTSB Scotland

 

21-11-06 Preliminary approach for repayment

14-12-06 Letter Before Action

28-12-06 Claim Settled in Full £759

 

edinburgh_al vs Barclaycard

 

27-02-07 Sick of waiting for statements. Small claim filed for £636 based on estimated charges.

06-03-07 Immediate response from BC stating that they will defend the claim.

11-05-07 BC offer to settle in full.

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I had a trawl through the Scottish Forum last night and searched on 'Scotland' in this forum. Found conflicting views but there are comments in the following from a respected source which would seem to rule it out.

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/48038-edinburgh_al-lloyds-tsb-scotland.html#post382686

 

Additionally, Lloyds TSB Scotland have their registered office at 120 George Street, Edinburgh.

 

The T&C [as found on the LTSB web site] also state:

 

About disputes in relation to this contract

English law applies to our discussions about your account and to this contract unless your account is with a branch in Scotland, in which case Scottish law will apply. If you want to make a complaint about this contract or the service that you are receiving from us your first point of contact should be the person or people you usually deal with. This could be your branch or Contact Centre and you can tell us about your concern in writing or by phone. We’ll acknowledge your complaint promptly and keep in contact until all enquiries are completed. We would always aim to resolve your complaint at this stage. However if a dispute cannot be resolved by our internal complaint procedures, you will be entitled to make a complaint to the Financial Ombudsman Service:

edinburgh_al vs Barclays

 

28-11-06 Preliminary approach for repayment

11-12-06 Received Offer of £440 Against £925

14-12-06 LBA

28-12-06 Barclays state unwilling to accept compromise

25-01-07 Summary Cause Claim Filed for £1117.

04-04-07 Return date passes with no word from Barclays

03-05-07 Decree received form Court. Letter to Barclays requesting payment by 11/05.

11-05-07 Barclays settle in full

 

edinburgh_al vs LTSB Scotland

 

21-11-06 Preliminary approach for repayment

14-12-06 Letter Before Action

28-12-06 Claim Settled in Full £759

 

edinburgh_al vs Barclaycard

 

27-02-07 Sick of waiting for statements. Small claim filed for £636 based on estimated charges.

06-03-07 Immediate response from BC stating that they will defend the claim.

11-05-07 BC offer to settle in full.

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edinburgh_al vs Barclays

 

28-11-06 Preliminary approach for repayment

11-12-06 Received Offer of £440 Against £925

14-12-06 LBA

28-12-06 Barclays state unwilling to accept compromise

25-01-07 Summary Cause Claim Filed for £1117.

04-04-07 Return date passes with no word from Barclays

03-05-07 Decree received form Court. Letter to Barclays requesting payment by 11/05.

11-05-07 Barclays settle in full

 

edinburgh_al vs LTSB Scotland

 

21-11-06 Preliminary approach for repayment

14-12-06 Letter Before Action

28-12-06 Claim Settled in Full £759

 

edinburgh_al vs Barclaycard

 

27-02-07 Sick of waiting for statements. Small claim filed for £636 based on estimated charges.

06-03-07 Immediate response from BC stating that they will defend the claim.

11-05-07 BC offer to settle in full.

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  • 1 month later...

Just returned from 2 weeks abroad to find a letter from LTSB advising me that they have settled my claim in full. £759 credited to my account on 27/12.

 

Very (pleasantly) surprised by this as they settled after my sending the LBA - did not have to go as far as issuing court papers.

edinburgh_al vs Barclays

 

28-11-06 Preliminary approach for repayment

11-12-06 Received Offer of £440 Against £925

14-12-06 LBA

28-12-06 Barclays state unwilling to accept compromise

25-01-07 Summary Cause Claim Filed for £1117.

04-04-07 Return date passes with no word from Barclays

03-05-07 Decree received form Court. Letter to Barclays requesting payment by 11/05.

11-05-07 Barclays settle in full

 

edinburgh_al vs LTSB Scotland

 

21-11-06 Preliminary approach for repayment

14-12-06 Letter Before Action

28-12-06 Claim Settled in Full £759

 

edinburgh_al vs Barclaycard

 

27-02-07 Sick of waiting for statements. Small claim filed for £636 based on estimated charges.

06-03-07 Immediate response from BC stating that they will defend the claim.

11-05-07 BC offer to settle in full.

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