Frankie vs Lloyds

[frankiefrankie]

Testing the waters with Halifax so far, (awaiting statements) but decided Lloyds have to pay aswell!

 

Sent off my SAR today. So should receive statements in new year!

 

Fingers crossed for me!

 

Frankie.xx

[BARTY]

Good luck Frankie!!

Barty:)

[frankiefrankie]

Well I got a phone call today from the branch - she says that they don;t deal with DPA requests, and it will have to be sent to Andover??

 

She says I'll hear from them in the next few days to acknowledge reciept of the letter, but has anyone else heard this from Lloyds TSB?

 

Frankie.xx

[Janet-M]

There is nothing wrong with sending your first letter to your branch and then they will forward it on to the right department.Just stick to the time limit you set

[frankiefrankie]

Well I've still yet to hear a single thing from Lloyds and getting quite brassed off now. Going to make some phone calls today.

[frankiefrankie]

I called the branch and got fobbed off. I have a week until the deadline is up. Should I send the branch a letter, or wait until the deadline is up and send them a Non-Compliance letter?

 

Frankie.xx

[Janet-M]

if you only have a week to go then send them a short reminder ..stating they only have until XX date to comply with your SAR .. as soon as the 40 days are up then start the process for non compliance

 

I would not phone them but always keep your corrospondence to letter / email .By phoning them you are just showing them you are nervous or impatient and this can lead to problems for you in the future .. just have patience and stick to the time limits you set and while your waiting read around this forum as much as you can

 

keep us posted

[frankiefrankie]

ok! thanks mjanet!

 

Frankie.x

[frankiefrankie]

Well, I managed finally to get the statements online. I still haven't received my paper statements, but the charges on the online statements add up to £1897!! Writing up my prelim request for repayment today to send tomorrow!

[frankiefrankie]

OK so prelim letter finally sent yesterday. By Recorded Delivery

[frankiefrankie]

OK I received the usual standard bumf sod off letter today. I know I'm 2 days ahead of schedule, but can I send my LBA now, or do I have to wait until the 14 days has elapsed even though they have confirmed they're not willing to refund me? Please help!

[BARTY]

Hi Frankie

I know it's only 2 days, but personally I would wait the full 14 days and send it.

Barty:)

[frankiefrankie]

OK, LBA sent on Saturday, 3rd Feb.

[frankiefrankie]

Absolute shocker - no reply to LBA. MCOL filed today (Friday, Feb 23rd)

 

 

Cross fingers!!

 

Frankie.xx

[blueberrys]

Good luck Frankiefrankie! Am currently at same stage as you on behalf of my Dad. Will be filing MCOL early next week.

[frankiefrankie]

OK I need help. Been away for a few days and there's a letter fro Lloyds here (I did MCOL on Friday 23rd) saying they;ll refund me £750 out of the £2300. They say they'll credit my account in the next few days. Looked today and low and behold - there it is. There is nothing in the letter stating that I accept the money in full settlement, so what do I do now?

 

Do I send Lloyds an acceptance letter stating that I am still after the remainder? How do I change my claim with MCOL? Please help!!

[BARTY]

Hi Frankie

There is a choice of letters in the link below to send them:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

I wouldn't change the amount on MCOL, but I'm not sure whether you need to notify the Court or not, sorry:confused:

Have they acknowledged your claim yet?

Barty:)

[GaryH]

No, as Barty said there's no need to amend the value of your claim. I'd send a short note to the court to inform them that the defendent has made a part-payment, something like this -

Court Manager

**** County Court

Address

 

[date]

 

Dear Sir/Madam,

 

[You] -v- Lloyds TSB Bank Plc

Claim No:*******

 

I refer to the claim as detailed above, in which I am the Claimant.

 

I wish to notify the court that on [date] I received payment in the sum of £750 from the Defendent as a part-payment in respect of this claim.

 

I have sent a letter to the Defendent accepting this sum on the clear understanding that it is a part-payment only, and that this claim will continue to be pursued to a hearing, or alternitively untill such time as a satisfactory settlement is reached.

 

Yours faithfully

[frankiefrankie]

So last week I sent letters to Lloyds and MCOL detailing the £750 received and that I am still climing the remainder.

 

Today I received a letter from MCOL stating that Lloyds have filed an acknowledgment of service and now have 28 days to file a defense.

 

What do I do now? Do I wait for them to file their defence?

 

Frankie.xx

[BARTY]

Hi

Yes wait for them to enter a defence. When they have, you will receive a copy of it, and an Allocation Questionnaire to fill in, these couple of links should help you fill in it:

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

Barty:)

[frankiefrankie]

Well now they have filed a defence and I have an allocation questionnaire that I have to fill in. Ooooh I'm really nervous now !!!

[GaryH]

Presumably its the standard 9 point "service charge" defence then, yes? Nothing to worry about, your claim is progressing exactly how it should.

 

Use the links Barty provided for you for help with the AQ. The new strategy (draft order) is definately preferable, but only if you understand its requirements.