Jump to content


Antj87 VS LLOYDS TSB


yobtaf
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5424 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

Recommended Posts

hi where do i send my pre lim letter????

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]

Link to post
Share on other sites

  • Replies 65
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Yep, Preliminary Approach for Repayment - make sure it's that one and NOT the LBA :p

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.

Link to post
Share on other sites

thanks both :D i started to fill in lba lol

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]

Link to post
Share on other sites

just a quick update posted prelim 24-06-06 recorded delivery

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]

Link to post
Share on other sites

  • 2 weeks later...

Reply BOG STANTARD LETTER lol

 

Sent LBA 30/06/06 13/07/06 starting money claim

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]

Link to post
Share on other sites

  • 3 weeks later...

ok im stuck on money claim can anyone help im claiming £372.50 + DPA + interest @8%

TOTALS: Charges:372.50 8% todate: 102.74 total: 475.24

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]

Link to post
Share on other sites

its the part details of claim im stuck on and how to word it and the interest

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]

Link to post
Share on other sites

Particulars of Claim (may need adjusting to fit)

 

Claimant has account (A/C No) with Defendant from (Date a/c opened)conducted on their standard terms and conditions. Claimant is claiming the return of (£0.00 = amount claimed) taken by Defendant in charges over (X) years. The Defendant's charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. They are also invalid under the Unfair Contracts Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999.Para.8 and sch.2.1.e.

In the event that the charges are not a penalty they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. Defendant has declined justification of charges despite repeated requests. Claimant claims interest under Sec.69 of the County Courts Act 1984 at a rate of 8% a year from(Date of 1st charge) to (Date of filing claim) of (£0.00 =8% spreadsheet calculation) and also interest at same rate up to the date of judgment or earlier payment at a daily rate of (£0.00p = Amount claimed x 0.00022).

Link to post
Share on other sites

ok claim started 25/07/06

 

claim number 6QZ49037

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]

Link to post
Share on other sites

  • 3 months later...

at court on 17th jan scary!

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]

Link to post
Share on other sites

Hi Antj87,

 

Have you had your directions from the court, to file and serve your evidance, etc?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

no all i have had is my cort date

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]

Link to post
Share on other sites

Hmmm.. strange. On the 'Notice of allocation' underneath your court date there should have been something like;

 

a) Both parties shall, no later than 14 days before the hearing, file and serve any evidance, facts and matters upon which they intend to rely......

 

If you have'nt had anything like this, you may want to give the court a ring and ask them why you have'nt received any directions.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

it did say that but i dunno what i gotta do i asked in chat room ages ago and it said nothing

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]

Link to post
Share on other sites

Well obviously you've got to submit what the judge has asked you to. Failure to comply with the courts directions will lead to your claim being struck out.

 

Can you scan or otherwise post up your directions please? - I'll then be able to tell you exactly what you need to do.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

Help I Cant Find It!!!

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]

Link to post
Share on other sites

What, the notice of allocation and directions? In that case you need to get down to your local court and get another copy pretty sharpish. You should be keeping ALL documents and correspondance in a safe place - you'll need most of it at some stage.

 

In the meantime, print off the court bundle from the templates library and other evidance such as the McNamara interview. You'll need 3 copies of everything - 1 goes to the court, one to SC&M and keep a copy for yourself. Your evidance bundle will consist of the above + all correspondance between you and Lloyds and if you have a look at my thread there is a statement of evidance you can use too. Make sure you modify to suit though - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/7744-garyh-lloyds-tsb-unconditionally-3.html#post339177. Send all that to the court and SC&M and a settlement should follow soon after.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

so i acctually have to put statements and like pre lim lba and all that stuff in to court pack?

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]

Link to post
Share on other sites

Yes. All correspondance between you and Lloyds + your statements/account information + your schedule + the McNamara transcript + everything in the 'court bundle' from the templates library. That's pretty much everything you need.

 

Have you kept it all?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

i scribled on statements tho:O + how do i get 3 copies of statements

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]

Link to post
Share on other sites

Does'nt matter if their scribbled on, the main thing is that you've got them.

 

Use a photocopier! If you have'nt got access to one there should be one at your local library, or staples do a copying service too. Make sure you keep the origionals - send the court and SC&M the copies.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

  • 2 weeks later...

Hows it going Antj87? Did you send off your bundle ok?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

  • 3 weeks later...

were is the McNamara transcript!!!!

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]

Link to post
Share on other sites

In the 'soundfiles' section of the templates library, but here, just copy and paste from this -

 

BBC RADIO 4 – TODAY PROGRAMME

Transcript of interview with Peter McNamara, former head of personal banking at Lloyds TSB.

September 2004.

MB

The Consumers Association says that banks charge their customers £3,000,000,000 pounds for unauthorised overdrafts last year. The head of money research at Which? magazine Ashley Sharp says the penalties imposed by the banks are excessive

 

AS

I guess they would say they are making them because when people go into unauthorised overdrafts they incur costs and I am sure that is right, but whether they incur these kinds of costs seems highly unlikely. Not all the banks charge quite as much as the more expensive ones so clearly some banks can manage this more cheaply.

 

MB

Well Peter McNamara knows a thing or two about unauthorised overdrafts because he is the former head of personal banking at Lloyds TSB now Chairman of the cash machine provider MoneyBox and he joins me now. Is £3,000,000,000 pounds excessive?

 

PM

Well it is very interesting background really, what happened was once upon a time when people went overdrawn the banks if you like used to tell them off by charging them a higher rate of interest and more expensively for the consumer now putting a charge on each transaction that goes through the account. Now the justification of that has not outlined was that a lot of work has taken place to assess whether the person is good for the money and whether the banks was going to pay the cheque in those days. Well when free banking became pretty much universal for everybody who was in credit, the banks kept those fees and indeed tended to increase them to subsidise the costs of that free banking activity because most people who don't go overdrawn or only go overdrawn within the limits agreed with their bank really doesn't make very much money for the banks.

 

MB

The Consumers Association says these charges are excessive, but the banks can quite reasonably say the customers know the score, they are given an overdraft limit and if they go over it they know what the penalties will be.

 

PM

Well of course there is an element of truth in that one, it is having said that pretty expensive if you do get overdrawn because you get caught with both the interest charge and the unit charge for every transaction that goes through the bank account. The big advice for any consumer is to make sure agree the overdraft or find a lower cost personal loan for your borrowing or some other mechanism for doing it.

The big plus from the banks point of view is that it enables them to maintain this principle of free banking for a large number of people who remain in credit all the time and don't do much borrowing.

 

MB

There are a large number who do get overdrawn and have unauthorised overdrafts which says one in four bank customers went overdrawn without permission last year. That's a huge number; does that say something about the British character and our attitude to debt and borrowing?

 

PM

Well yes, traditionally in the UK people have always taken short-term borrowings in terms of overdrafts and if you haven't agreed it, it is very expensive. It's a peculiar English trait which doesn't really happen in the States to anything like this extent.

 

MB

Overdraft borrowing?

 

PM

Well pretty much closer as to issue a cheque without having the money in your account can be a theft offence in the United States. So the UK principle of overdrafts has given consumers a high degree of flexibility. The penalty is if you haven't agreed it beforehand it can be very expensive.

 

MB

If these charges do come down as the Consumers Association wants would that mean actually that free banking so called might come to an end?

 

PM

It must put it at greater risk and there is a big social question arising from that because in effect were you to be charged for every transaction that goes through your current account and then have those transactions offset by the value of the balances that you keep as this is much more favourable to richer people and would mean a possible end to free banking for those in the community who are not as well off.

 

Thank you Peter McNamara.

 

So are you ready to send it all off yet then?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5424 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

Guest
This topic is now closed to further replies.
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...