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    • Plenty of success stories, also bear in mind not everyone updates the forum.  Overdale's want you to roll over and pay, without using your enshrined legal right to defend. make you wet yourself in fear that a solicitor will Take you to court, so you will pay up without question. Most people do just that,  but you are lucky that you have found this place and can help you put together a good defence. You should get reading on some other Capital One and Overdale's cases on the forum to get an idea of how it works.  
    • In both versions the three references to "your clients" near the end need to be changed to "you" or "your" as Alliance are not using solicitors, they have sent the LoC themselves. Personally I'd change "Dear ALLIANCE PARKING Litigation Dept" to "Dear Kev".  It would show you'd done your homework, looked up the company, and seen it's a pathetic one-man band rather than having any departments.  The PPCs love to pretend they have some official power and so you should be scared of them - showing you've sussed their sordid games and you're confident about fighting them undermines all this.  In fact that's the whole point of a snotty letter - to show you'd be big trouble for them if they did do court so better to drop you like a hot potato and go and pursue mugs who just give in instead. In the very, very, very, very unlikely case of Kev doing court, it'd be better that he didn't know in advance all the legal arguments you'd be using, so I'd heavily reduce the number of cards being played.
    • Thanx Londoneill get on to it this evening having a read around these forums I can’t seem to find many success stories using your methods. So how successful are these methods or am I just buying time for him  and a ccj will be inevitable in the end. Thanks another question is, will he have to appear at court..? I am not sure he has got it in him
    • Here's a suggested modified version for consideration by the team. (Not sure whether it still gives too much away?)   RE: PCN 4xxxxx Dear ALLIANCE PARKING Litigation Dept, Thank you for your dubious Letter Of Claim (dated 29th April 2024) of £100 for just 2 minutes of overstay. The family rolled around on the floor in amazement of the idea you actually think they’d accept this nonsense, let alone being confused over the extra unlawful £70 you added. Shall we raise the related VAT issue with HMRC, or perhaps the custodians of the unicorn grain silos? Apart from the serious GDPR breach you’ve made with the DVLA and your complete failure in identifying the driver, we’re dumbfounded that the PCN is still not compliant with the PoFA (2012 Schedule 4 Under Section 9.2.f) even after 12 years of pathetic trial and error. We also doubt a judge would be very impressed at your bone idleness and lack of due diligence regarding parking periods. Especially with no consideration of section 13 in your own trade association's code of practice and the topological nature of the Cornish landscape versus a traditional multi-storey. And don’t even get us started on the invisible signage during the ultra busy bank holiday carnage, that is otherwise known as the random parking chaos in the several unmarked, unmanaged over-spill fields, or indeed the tedious “frustration of contract” attempting to get a data connection to Justpark.  We suggest your clients drop this extreme foolishness or get an absolute hammering in court. We are more than ready to raise the above issues and more, with a fair minded judge, who will most likely laugh your clients out in less time than it takes to capture a couple of useless ANPR photos. If you insist on continuing this stupid, money grabbing quest, after having all of the above pointed out, we will of course show this letter to the Judge and request “an unreasonable costs order” under CPR 27.14.2.g and put it toward future taxis to Harlyn Bay instead.  We all look forward to your clients' deafening silence. Signed, "Spot". (Vehicle Keeper's pet Dalmation).
    • Paying DCA's one penny, never mind £50 per month is a mugs game, they have really been milking him as a cash cow   See where received a claim form is underlined in your post, you need to click, on that and read carefully, then answer the questions, then copy and paste into a post on this thread Forget the CAB ,  their advice is sometimes weird. Is it worth defending? Lowell brought these debts for 10 p in the pound , years ago, because they are flawed. Think about it! if it was such an easy win, Capital one could have taken it to court and crushed him.  It could be an invalid agreement, default notice, or many other things. In a nutshell , yes, and we can help you.
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Robinson79 v Lloyds TSB ~ Court Claim!!


robinson79
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Hello all, my first post :D

I'm hoping...in fact - going - to reclaim my bank charges from LloydsTSB!!

However i've only got statements for the last 3 years so i'm unsure how much to claim...

I was told on MSE just to ask for ALL charges to be returned...but i'd rather claim an actual figure. I don't think it's gonna be more than a few hundred though but still....:p

Do i need to order old statements to check charges...? How much will this cost?

Many thanks in advance ;-)

X

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Hello and welcome.

 

How did you get your statements for the last 3 years, did you already have them?

 

If you need the rest then use the DPA SAR letter in the library, it will not cost more than £10.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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Hi Team,

 

Yes that is the correct address. Only put:

 

Customer Service Recovery Centre

Lloydstsb

125 Colmore Row

Birmingham

B3 3SF

 

Care Of: Mandy Horton (Assistant Manager)

 

She seems to be the main decision maker up the Food Chain

 

Good luck. . Ukaviator..

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Minor correction guys (Hope it's not too late).

 

The address for Lloyd's Data Protection Manager is in this thread:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/236-data-protection-manager.html

 

The Colmore Row address is for correspondance relating to your complaint, IE: "Preliminary Approach for Repayment" and "Letter Before Action" letters.

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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Care Of: Mandy Horton (Assistant Manager)

 

She seems to be the main decision maker up the Food Chain

 

Nah, shes only a lacky. Martin Orton's the big cheese as far as the charges thing goes. Not a very nice man either, from my experiance anyway.:evil:

 

But as Reload says, its the London address (Penny Berryman) you want for the SAR

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.

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Hi Team.

The letter i have telling me to 'Buzz Off Peasent' was from the Colmore address.

I will try and call Mandy tomorrow and see if she wants to take me seriously before the Moneyclaim.

 

Good Hunting. Ukaviator

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Don't bother. She won't. Keep correspondance to a minimum and always by letter.

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.

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  • 2 weeks later...

Hello,

I sent my SAR to LLoyds on 14th Sept, unsurprisingly I havent received anything back yet, and the cheque hasn't been cashed...

Just wondering if i have sent it to the wrong address....:rolleyes:

 

martin orton,

125 colmore row,

birmingham,

b3 3sf

 

i sent it recorded, and it was delivered, but i've seen a couple of other addresses bandied around.

is it possible to try and call and check where they're at with my request?

many thanks

x

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hi Robinson, yes thats the right address, they do not reply normally till very last minute. how long is it since you sent letter?

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Hello Robinson,

 

I sent mine to Martin Orton and received back yesterday from Customer Service Recovery, Andover. Your address should be fine. They do seem to be be slow and stalling til last moment as mentioned before. Just hold tight - they are inundated I think!!! I rang the following number in B'ham and they confirmed that SAR had been received: - 0121 633 5452

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  • 2 weeks later...

Hi Robinson,

Have you had a reply yet, if not how long has it been since you sent you letter?

Jadest x

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Hello,

I sent my S.A.R - (Subject Access Request) to LLoyds on 14th Sept, unsurprisingly I havent received anything back yet, and the cheque hasn't been cashed...

Just wondering if i have sent it to the wrong address....:rolleyes:

 

I sent mine on the 13th so we are pretty much in synch... I still have nothing yet!

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Hello.

did you get a reply ? i am just typing out my SAR letter to the address, that you have put do i just send it to martin orton or a specific dept, as i am baffled at even this level, :confused: i would be interested to see how you have got on, as tsb seems difficult

thanks

louise

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hey guys! :D

 

i sent the letter on sept 14th, think it was delivered on the 16th, so the 40 days is up on 26th oct i think...:rolleyes:

i gave them a call last week (0121 633 5452), they said i should receive something in the next 10 days...:lol: ...

so i'll just have to wait and see i guess...

x

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I would send them the first letter requesting repayment of charges and say unfortunatly because they haven't responded to your S.A.R you cannot tell them the exact amount at this time but you will when they send the statements. (which they should have sent by now).

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Hello everyone!

Thanks to all who have helped me so far.;)

I received my statements from Lloyds yesterday, and i've calculated my list of charges...one of which is an eye-watering £60!! :eek:

I know you can only claim back charges from the last 6 years...so does this mean i can only claim back the charges on the list below from the one dated 24/10/2000? As the 5 before this fall before the 6 year cut-off point if I post the next letter tomorrow.

Any advice gratefully received.:D

Thanks, Robinson79

X

Schedule of Charges:

29/08/2000: Unauthorised Borrowing Fee - £10.00

30/08/2000: Unauthorised Borrowing Fee - £10.00

01/09/2000: Unauthorised Borrowing Fee - £10.00

06/09/2000: Unauthorised Borrowing Fee - £10.00

20/09/2000: Unauthorised Borrowing Fee - £10.00

24/10/2000: Unauthorised Borrowing Fee - £10.00

25/10/2000: Unauthorised Borrowing Fee - £10.00

26/10/2000: Unauthorised Borrowing Fee - £10.00

09/04/2002: Overdraft Excess Fee - £25.00

09/10/2002: Overdraft Excess Fee - £40.00

10/02/2003: Overdraft Excess Fee - £20.00

10/02/2003: Unpaid Standing Order - £30.00

09/05/2003: Overdraft Excess Fee - £20.00

11/08/2003: Unpaid Standing Order - £30.00

09/09/2003: Overdraft Excess Fee - £60.00:eek:

13/04/2004: Overdraft Excess Fee - £20.00

09/06/2004: Overdraft Excess Fee - £20.00

09/09/2004: Overdraft Excess Fee - £20.00

11/07/2005: Overdraft Excess Fee - £25.00

10/07/2006: Unpaid Direct Debit - £35.00

Total: £425.00

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The 6 years counts from when you first contacted them i.e. when you sent the S.A.R - (Subject Access Request). So count 6 years back from this date.

 

 

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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