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    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
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    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
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Antj87 VS LLOYDS TSB


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Hi all i starting a claim for the unfair charges incurred by me from my bank,

 

one question i have is how far back can i claim ??

 

on my letter i put 1998 but im not sure.....

thanks in advance

 

antj87

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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You are limmited to 6 years by the statute of limmitations, I think.

 

There has been some discussion as to whether you can go back further but I'd try for 6 years and then go back further if it turns out we can.

 

Good luck and welcome to the forum:D

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do do i request 6 years from the date of sending the letter?

 

also were do i send it my branch or head office?

 

antj87

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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i requesting my bank charges for the last 6 yeras from today?

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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hi were do i send the dpa letter??

 

my branch or head office

 

if head office or other can u supply me with the correct address, thanks

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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Personally I have always written direct to my own branch.

 

They were who I opened the account with, they can know I am not happy. Ultimately it will be dealt with by a 'special' unit, but I like to create more work for them all.

 

LOULA

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  • 1 month later...

hi recived my statements today and am raring to go!

 

can you please tell me the next step

 

e.g what i am looking for in my statements or where i can find the info on what i am to look for

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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hi also a bunch of 2003-2005 are missing

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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hi also a bunch of 2003-2005 are missing

 

 

Hi they did that with me to.I went online and took screen prints of they ones that were missing added them to the staments that they sent to me. They missed out the statements with the most charges on

 

 

Krystyna

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The best thing to do is set side an hour or so and read the FAQ sectiohn on this site. It tells you exactly how to proceed and will ensure that you fully understand what you are doing.

Good luck.

Pam.

 

If anything I've said helps you then please feel free to tip my scales!

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sat here and read what stated above i still dont underzsstand what things i can claim back

 

just ones that say charge??

 

overdraft excess

overdraft intrest

unpaid direct debit

 

plz help

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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Hi Antj87,

 

You're almost correct there. In terms of bank accounts you can claim back:

 

Unauthorised Overdraft Excess Fee

Returned d/d fee

Returned cheque fee

Overdraft Interest which the overdraft is comprised of penalty fees

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Overdraft Interest which the overdraft is comprised of penalty fees

 

whats this mean only claim it back if there is an overdraft excess fee?

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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Say for example an overdraft excess fee sent you in to the red, and you got charged interest on that overdraft - you could claim both the excess fee back, and the interest you got charged on it.

 

To be honest, doing so is more of a pain than it's worth in most cases. There is a spreadsheet available in the templates library which Vampiress has made available, but be prepared for a lot of work for little return if you are wanting to do so.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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hey mate thanks yeh i just looked at the spread sheet while reading your message the most ive been charge interest wise is only £1.01 and the total is less that £10 so i aint gonna bother looking through to see if i was in red

 

especially as the didnt send my full DPA requested

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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Ok claiming 300£ from lloyds i cant get intom liabry what letter do i need to send them

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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Next letter for you is the Preliminary Approach for Repayment.

 

:)

 

You would also do well to read the Step-by-Step Instructions and the other threads in the FAQ section.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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lol like magic i jsut jumped in to liabry :D it worked just as i got the email saying u replyed maybe my computer is dyeing:P

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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can i claim overdraft usage fee?

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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Got to admit, I'm not so sure on that one. Did you have and were you within an authorised overdraft limit at the time? If yes, I'd say no you can't claim it - as it's a payment for using their overdraft service. Although, there is again the argument that it may fall under the UTCCRs... maybe a mod can comment?

 

 

If not in an authorised overdraft, it would certainly fall under the 'overdraft excess fee' category.

  • Confused 1

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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hi alll just informed my mother about this and when looking on the online bank she have nearly £200 worth of charges for 2 months

 

should i start a seperate thread?

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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Entirely up to you antj87 - but probably easier for you to keep track of the seperate claim if you do :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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is it LBA i need to send to bank again i cant find it in the libry

COME ON LLOYDS WERE IS UR CHRISTMAS SPIRIT

PAY THE NICE PEOPLE OF CAG THER MONEY

 

SO FAR:

LLOYDS TSB:

29/05/06, - Data Protection Act sent

15/06/06, - Staements recived

19/06/06, 10:00 - Phoned Copy Statement Unit(0121 633 5452) - told them they didnt send full statements.

19/06/06, 11:00 - Call From Copy Staement Unit, Sending ALL Statements again INCLUDING the missing 3 Years.

24/06/06, - Statements recived

27/06/06, - Prelim Sent

03/07/06, - Standed Letter recived - LBA SENT

05/07/06, - More Statements recived

 

[email protected]

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Thread Locked

because no one has posted on it for the last 6342 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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