Help me please i'm in a pickle!!! *****WON*****

[GaryH]

Here you go, this should help with your preparations - http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

[skintandbroke]

Thanks Gary, that's saved me a job looking for the link!!

Cheers

[skintandbroke]

Hi

I've just printed off a copy of the basic court bundle that relates to the small claims track - but i'm a little confused with it. i admit i haven't fully read all the content, but do i add the pages that state the Relevant Case Law to Penalty Charges and all the info etc on Dunlop etc?

Sorry if this is answered elsewhere, but i don't want to start reading or printing all this off if its just an example.

Thanks for all your help on this.

Skint!

[sarah13]

you have to do the contents yourself and number the pages at the end after you have added your letters etc- its boring but quite simple. Good luck!

[sarah13]

you need it all

[skintandbroke]

Hi Sarah,

Thanks, I just wanted to be sure before i got bogged down in it all.

Cheers

S&B

[sarah13]

Hi Sarah,

Thanks, I just wanted to be sure before i got bogged down in it all.

Cheers

S&B

 

No problem- i've been there so i understand

[skintandbroke]

Had a response from lloyds TSB about the money they took from one account to pay off another. Apparenty Common Law allows them to do this as long as the accounts are held by the same person and the same type of account. There was no evidence with this, so i think i will write to them and ask them which part of the Common Law states this (to save me looking). I didn't really like the way the letter said that 'as the amount was 'only' for £6.38'... their bl00dy £6.38s all add up and then leave us with BIG charges - aaarrrgghh TSB get on my nerves!!

[TANZARELLI]

Your not the only one.

 

Tanz

[skintandbroke]

Whoo Hoo

 

Well, we've put a claim in for £2,109 and the court date is this Friday. We have written to the Court to say that no papers have been received by [problem] at all, and the submission date was 27th April.

 

Anyway, i;ve just checked my bank account and £845 has been put in as a BC Refund. Excellent - ish! So now I suppose i have to write to them to say that we'll accept it as part payment and contact the Court to say that they have given this much back.

 

i haven't been on here for a while and can't really remember what to do now.... do i still go to court and ask for the rest of the moeny through them, or just write to TSB/[problem] and say i'll accept it as a part payment and go through the whole process again??

 

We have another 3 claims going through on the 8th June - i was kind of hoping that this would be over soon, but at least its so far so good!!!

 

Please advise.....

 

Cheers

 

A-little-less-Skintandbroke-than before!!!!

[skintandbroke]

Just read the rejection letters to say that i will accept this a as a part payment, but seeing that i haven't had any paperwrok from them i don't know if it is full and final or not. i suppose i can't do anything more on this until tomorrow.

[san142]

Hi

I've had no response from Lloyds TSB from the Preliminary letter or the Letter Before Action so far and i started this process in October. (I've had the general response to the first letter though). Do i send the N1 letter now and add the 8% - or am i getting confused? I've read the FAQs etc and other sites but i'm just not grasping it, and the bits that say where the bank will know if i don't know what i'm doing really worries me.

My charges have gone up since October, so I take it i add them on to this next letter.

 

I really want to get my money back and i'm willing to go to court for it- but obviously need to get it all right first - so please help me if you can.

 

Thank you in advance.

DEAR ALL AND HELLO !

IS THERE SOME SORT OF INFO WE CAN USE TO CALCULATE THIS INTEREST IVE READ ALOT ABOUT IT BUT MATHS WAS NEVER MY BEST SUBJECT AT SCHOOL!!!!!

[jonni2bad]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

There is also a link in there to Google spreadsheets, if you prefer them.

[skintandbroke]

There's a spreadsheet somewhere... i'll see if i can find it for you.

 

 

Anyway, today has shown some interesting movements...read on .....

 

We received the paperwork from ****, which was dated the 8th May 2007 (this paperwork was due to us on or before the 27th April). It basically said that they paid us £861, instead of £2,109 as we had initially put a claim in for the £861 and then sent paperwork for £2,109. BUT, we have put 4 claims in altogether, and they have got the account numbers and court reference numbers mixed up. There is one for £861 and there is one for £2,109 and another two in between.

 

My partner phoned **** and an-over-rude-phone-putter-downer answered, and my fella said that they had it wrong and aksed what could be done, but the over-rude man informed us to take it up with the court and then put the phone down while my fella was still speaking! Cr4p at meeting deadlines, cr4p at customer services, cr4p at getting things right! So, then we called the court, and the lovely girl there told us to take it all to court - the whole 4 claims (even though 3 are not due till the 8th June) and tell the Judge everything and hopefully he will deal with them all in one case. Whoopee, i hope he does. The letter from **** advises us to call them to sort it out, and we did, and got nowhere. They say that we need to let them kow if we will accept this as part payment or if we want to carry on - but as this the amount doesn't relate to the account or court ref that we are up with this Friday does anyone have any advice what to do? I think i will just tell it to the Judge straight, how it is. **** asked us to provide them with evidence of how we reached this amount, but i sent them statements, the spreadsheet, and a list of charges which all relate (for 4 different accounts) so how can they have got it so wrong?

[bill-k]

DEAR ALL AND HELLO !

IS THERE SOME SORT OF INFO WE CAN USE TO CALCULATE THIS INTEREST IVE READ ALOT ABOUT IT BUT MATHS WAS NEVER MY BEST SUBJECT AT SCHOOL!!!!!

San143 - How rude of us not to welcome you !!! Have a read of the forum rules (very important !!), the FAQ's, and step-by-step guide. Then you should be able to start assembling your claim.

 

Bestest,

 

Bill:)

[san142]

thxx IVE JUST COMPLETED 2 CLAIMS USING SPREADSHEET HURRRRRAHHHH!

[skintandbroke]

Ok, we called [problem] again and explained it to the girl there that we had 4 claims and not one mixed up one like they thought - she suggested that we take it to court tomorrow too, so that's what we'll do.

 

Be thinking of us at 1.30 tomorrow afternoon!!

[skintandbroke]

Hello,

Just getting the final papers ready for court this afternoon, in a bit of a rush though cos 3 cases are not really due until June but was advised to take all 4 today.

 

Is there going to be any remote chance that LLoyds TSB solicitors will attend? That bit didn't bother me until just now when i thought of it. :o They've made a bit of a mistake with our files and obviously not being a lawyer, i'm a bit nervous that I will also have made a mistake and look rather stupid. Please convince me that I can't lose, oh no i'm worrying myself now!!!

 

I hope we have a friendly judge at least who will understand!!

Wish us luck

[sea-sidelady]

good luck skint,

 

Let us know as soon as you get back how it went.

[skintandbroke]

Hi

Well, we went to Court this afternoon with info on all 4 cases. They sent a lawyer who had travelled pretty far to go to the court. That was a bit of a shock to us, but he was ok.

We agreed that there had been some clerical errors with the paperwork and 2 accounts had been mixed up somewhere in the process.So we all signed an order to say that this particular case is closed and we are happy with the amount that we have received so far.

So, i have to amend the paperwork to clear the confusion and continue to claim back the charges from the other 3 accounts, especially the larger one which we believed we were in for today but not accoring to their papers.

We may or may not be returning to courtin June - it all depends........

PS all of this went on without actually seeing the Judge! Not as scary as anticipated.

Still, will celebrate this victory tonight as no work tomorrow and we can afford to buy beer now!!!!!!!!

 

We will donate when all 4 claims have ended - don't worry about that!

 

Thank you CAG and members x x x

[chezt]

thxx IVE JUST COMPLETED 2 CLAIMS USING SPREADSHEET HURRRRRAHHHH!

 

Well Done!!!

 

ps - DO YOU ALWAYS SHOUT??? PMSL!

[skintandbroke]

Helloo

Well so far we've received settlement for 3 out of 4 claims, £861 / £856 / & £525 (that's the total amount which includes the court costs too).

We're just waiting on one more, which is the big one with the paperwork mix up.

I called [problem] today and spoke to the most rude, arrogant, interrupting person in the world, who was so unhelpful and just down right horrible- she shouted at me (so i shouted back!!!) before she put me through to someone who said i would get a call back today, but i didn't, so my partner called them and was told that we would get a call back tomorrow.

Anyway - i hope that we are still able to claim this 4th account, because i don't know what the erros is or why it happened but their lawyer said there'd been a mix up.

 

How do i get **WON** after my name please?

[BARTY]

Hi

PM one of the Mods, their names are in green.

Congratulations by the way, I must have missed this yesterday because of all the excitement! :D

Barty:)

[GaryH]

Great, well done.

 

I'll change the title for you.

[skintandbroke]

OH,

Recieved 4 refunds now, for 4 bank claims, but [problem] refer to the court reference number and not the account number, but when the court gave use the papers with the reference numbers on they didn't link them to the account numbers either, so we don't know which accounts have recieved what amount. Does that make sense?

We need to contact [problem] and see which accounts received which refund, as altogether the refund money is about £1,500 less than what we ask to claim back.

Why is it such a long drawn out process?

Will keep you posted as/when things happen.

Cheers