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    • Now some at this stage might think I'm leading to doggerland as the site of Atlantis   https://www.winterwatch.net/2019/01/did-the-inspiration-for-atlantis-flood-and-ark-legends-stem-from-paleo-doggerland/           but for a number of reasons, I'm not ... although I think it is a part of the larger story,   Its a little late. I believe the final inundation of doggerland is part of the later Biblical flood and related myths. (Black Sea, Arabian Gulf, West coast of India etc) ... but worthy of mention is that it could effectively make up one of three 'larger' islands as detailed in the legends far better than the Azores does. ... and mammoths/elephants crossed that bridge - although carefully check the dates of those mammoth/elephant migration evidence. They seem to end 11000bp.           http://www.bbc.co.uk/earth/story/20150722-lost-beasts-of-the-ice-age   http://www.canada.com/technology/Massive+Canadian+melt+have+triggered+flood+biblical+proportions/3954124/story.html   https://en.wikipedia.org/wiki/Outburst_flood   http://www.talkorigins.org/faqs/flood-myths.html#Sproul    
    • Hi.   Someone reported that your pg1 still had the reg number showing, so I've removed it and left pg2.   HB
    • Yes because you have not entered into an agreement with the claimant...nor do they state you ever did.   2.The loan was funded by Ferratum Uk Ltd.
    • Hi DX   Thank you for that.   No house move    Doh ... I know what a PAP LOC is now (apologies for being slow !)   I have had a tinker and found another defence example which I have taken account of.    How does the following now look ?  (bit lengthy apologies in advance !) **********************************                                                                           Particulars Of Claim 1.The claimant claims this amount in respect of an unpaid loan, regulated by the Consumer Credit Act 1974. The loan was funded by Ferratum UK Ltd.   2.The Defendant has failed to make payments in accordance with the terms of the credit agreement. The credit agreement was assigned to the Claimant upon which a Notice of Assignment was sent to the Defendant.    3.The Defendant has either failed to respond to the Claimant or has failed to maintain regular payments.   4.The Claimant has issued a Letter of Claim, providing the Defendant with a further opportunity to arrange repayment of the outstanding balance to no avail.    5.The Claimant claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 11/02/2019 to 23/07/2019 on  £417.00 and also interest at the same rate up to the date of judgement or earlier payment at a daily rate of £0.09."    " Defence    1.            The Defendant contends that the particulars of claim vague and are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5(3) in relation to any particular allegation to which a specific response has not been made.   The Claimant has not complied with paragraph 3 of the PAPDC ( Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC   2.           Paragraph 2 is denied. I am unaware of what alleged debt the claimant refers to having failed to adequately particularise its claim.  And it is denied the claimant has served any Notice of Assignment pursuant to the Law & Property Act 1925    3    Paragraph 3 of the particulars is not admitted with regards to the Defendant entering into an Agreement referred to in the Particulars of Claim for an amount of £431.81. It is denied the defendant failed to abide by the terms of contract.   4.       Paragraph 4 is noted although I have no record of ever receiving a Default Notice or Notice of intention to serve a Default Notice in this matter.    5. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to:   6. On receipt of this claim I requested by way of a CPR 31.14 request and a section 77/78 for copies of any documents referred to within the Claimants particulars to establish what the claim is for. To date they have failed to comply to my section 77/78 request and remain in default and with regards to my CPR 31.14 request.   (a) show how the Defendant has entered into an agreement ; and (b) show and evidence the nature and service of a default notice pursuant to sec87.1CCA1974 © show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   7 .As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   9.By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any   ******************** end of defence ************
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HSBCrusher

The time has come to "crush" lloyds..

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3454 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Thank you

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Congratulations to you - I really must get my act together this weekend and get started.

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Thats a problem I think we all can suffer from, I know I do.

We let things go by, deadlines come and go, still no money.

At least its in my account now!

 

As I said earlier though, I didnt get my CC sorted with this lot, so spreadsheets out... watch this space! :-D


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Well Done !!!!! Really pleased for you:)

WOW your lloyds claim didnt take that long did it.

Im just about to hand my n1 claim form into the court on weds 31st.

Hopefully my claim will be successfull also.

 

CONGRATULATIONS ANYWAY.

 

REGARDS

PAUL.

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Hopefully my claim will be successfull also.

 

.

Of course it will! :-D

All the best on your claim!


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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You think that's bad! When I worked at LTSB in edited!, the then business manager used to withhold the bank's cut of any loan insurance premium refunds if the customer settled early. The matter of unpaid items when you pay in same day is a hot potato now! The managers make their decisions at 9am and cannot change it even if someone phones at 9.30am. The system has changed - it's called single decisioning! Really helpful!

  • Haha 1

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Red Dave

Welcome to our site !!

I do hope your making a claim, the irony would be fantastic !!

Otherwise, I hope your planning to hang around and impart some insider wisdom to us !!

Regards

photoman


---------------------------

ARE YOU A BUSINESS CLAIMANT?

CAG NOW HAVE A BUSINESS CLAIMS FORUM !

GO HERE !

 

CAN'T FIND WHAT YOUR LOOKING FOR?

Look here.

Got your old T&C's ?

Visit this thread to help others.

 

-----------------------------

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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You think that's bad! When I worked at LTSB in XXXXXXXXXXXXXXXX the then business manager used to withhold the bank's cut of any loan insurance premium refunds if the customer settled early. The matter of unpaid items when you pay in same day is a hot potato now! The managers make their decisions at 9am and cannot change it even if someone phones at 9.30am. The system has changed - it's called single decisioning! Really helpful!

Hello Dave, thanks for that.

It's really annoying, and so illogical. How can you go overdrawn within the same day?

Are you still an employee, because if you are you need to edit out your details for your own safety, and give Dave or Bankfodder a PM to let them know.

A warm welcome to you Dave to the CAG!

 

Crusher :-D


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Hi, I am extremely interested in your case and will be monitoring your response. I have a jount account, myself and my husband both have savings accounts each and a business account each. Due to Lloyds (without masks) we do not have a good credit rating anymore and therefore cannot open a 'parachute account'. This means, I think, that it would be dangerous for me to take them on. Do you have an opionion on this? :confused:

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Have you tried to open an account?

There are basic accounts (no cheque book etc) that most people can open up, it's rare for someone not to be able to get a bank account.


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Great thread, excellent advice on all counts, particularly Red Dave! I'm in the early stages (awaiting statements after sending SAR) to Lloyds, and from what I've read on the forums, they are one of the most stubborn banks to deal with!

 

Glad you managed to get a settlement, HSBCrusher - Nice one!!

 

:)


Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

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not as stubborn as some I can tell you! :-D


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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OK.

 

Just found out that lloyds have just taken another £95 yesterday.

Gloves off time.

 

prelim going off tomorrow.

ggggrrrrrrrrr:mad:

 

CRUSHER


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Hi Crusher, not as stubborn as some I can tell you! :grin:, you were saying:D

There all the same and getting worse:rolleyes:


LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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OK, added up since January, £130.

typing up prelim as soon as I finish this sente...


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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I have a court date set for 14 June 07 against Lloyds Bank.

 

I need to get my Court info ready - The solicitors say that I havent taken into account some refunds that have already been made over the years -

 

Does anyone know if its ok to change the claim amount prior to the court hearing?

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Hi CCard,

Welcome to the forum:)

 

First you need to start your own thread, so your questions can be answered (back to Lloyds top left corner new thread).

 

When you say the solicitors who do you mean?

Is it your solicitor? if that was the case, they should be able to tell you that you need to fill in N244 amendment to claim.

You can't just change it.

 

Start reading as much as you can, http://www.consumeractiongroup.c o.uk/forum/faq.php

 

And here is the N244 http://www.hmcourts-service.gov.uk/c.../n244_0400.pdf

 

Hope this has helped,

 

Happy claiming:)


LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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the last post in this was 2007!

 

well, now the oft debacle is over, and the dust has settled, I think its time to take the fight back to Lloyds.

 

This reminds me somewhat of the early days, I'll need a new letter, and a new POC. Lets see where this goes eh? :-D

 

The Consumer Forums - FAQ - The New Bank Charges Position


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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HSBCrusher,

 

I currently have two claims in the court system awaiting to amend my POCs, I had a pretty torrid time with the banks Barrister who turned up to gloat, as it was the day that the Supreme Court handed down to court their decision re the bank charges etc. It was a good job I had already had sight of and read the decision that they had handed down The banks barrister seemed to be rather amazed when he was told by me to foxtrot oscar after he was most insistant that I had to discontinue with the claims as there was absolutely no chance of a decision now. The DJ asked if I wanted to re amend my pocs on the day but I went for the further options and asked for further time to seek legal advice and await further legal developments, he promptly granted my request and reserved costs that the bank wanted to claim.

I put in a further request for added time for legal advice at a later date and that again was granted by the DJ.

 

However with this site and the team behind it I have great faith in the knowledge that you will give them a bloody good fight to which I add the final immortal words, Exterminate!! Exterminate!! Exterminate!! :D

 

 

 

"EXEMPLO DUCEMUS"

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I dare say you have something from Lloyds telling you the charges are proportionate to their costs or something similar? If you have, look at the link I have posted.


 

 

HSBC WON three times!!!!! Read about my continuing battle (claim FOUR!) Link HERE

Capital One WON Link

HERE

GE capital (5 accounts) WON link HERE

Lloyds bank account WON second claim starting! link HERE

Budget insurance cough up WON link HERE

Principles WON link HERE

A&L (Mrs Crusher's account) claim link HERE

Barclays claim link HERE

 

Any advice given is on an informal basis only and without prejudice or liability. In in any doubt, consult a qualified lawyer.

IF YOU HAVE GOT YOUR MONEY BACK, PUT SOME BACK INTO THE SITE TO HELP KEEP IT OPEN!

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Hi, we have received the standard letter saying that the charges cannot be assessed for fairness under the UTCCRs giving us until the 9th of March to respond before our file is closed. We have not issued a court claim but do have past correspondence with LLoyds in which they state that the charges represent a "fair charge for a banking service that is valued by our customers" and in another letter they state "Like any business, we do have to make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service...... These are not default charges because you haven't broken your agreement. These are our prices for the service we provide in these situations."

 

So they have more or less said that the charges represent the cost of the admin involved and I shall be writing back to say we don't want them to close the file thanks! Any thoughts before I do respond?


BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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