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LLOYDS to defend? Are they always this awkward?


j.wandless
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Hi

 

I have handled both the claims for myself and my partner - both approx £2000. Both claims were started at the same time but Lloyds seem to drag their feet at every opportunity. My partner got a full settlement as soon as I filed a claim for him on MCOL.

 

I filed my claim a few weeks ago and Lloyds say that they intend to defend (as of 4/12/2006) - so i now have another 3 week wait to see what they do.

 

It's a while since i had a good look around the site - so i'll have to start reading up again - to see what to expect next. I would appreciate any advice.

 

I read somewhere on this site last week that Lloyds try to claim that they don't have all the facts if you claim through MCOL - as you don't have the opportunity to attach the schedule of charges - what should i do about this? Do you think I should be sending copies of the charges to both the solicitors dealing with the claim and to the MCOL address on the Acknowledgement of Service?

 

Thanks

Deb

Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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  • 3 weeks later...

Hi

 

Hope you all had a good Xmas.

 

I followed your advice and sent off two copies to MCOL and also sent one to solicitors so they had no excuse to say they didn't know what i was talking about.

 

They only have till 2nd January and then their 28 days are up. Do I have to give them any extra time with it being over the holiday period?

Debbie

 

Lloyds TSB - Subject Access Request for 2 accounts - 27/07/06

26/08/06 - statements received

29/08/06 - preliminary letter sent - account 1 owed £915 plus £70.90 interest = £985.90

account 2 owed £650 plus £79.99 interest = £729.99

18/09/06 - LBA sent - includes extra charges incurred

 

MCOL filed

Acknowledgement of Service - 04/12/2006

Copy of Lloyds Allocation questionnaire received 12/01/06

My AQ form received 30/01/06

 

HSBC - Subject Access Request - 27/07/06

05/08/06 statements received

08/08/06 - Preliminary letter - £1388 plus £128.69 interest = £1516.69

25/08/06 - received offer of £1200

29/08/06 - LBA sent

17/09/06 - MCOL submitted - £1875.65 (incl 8% int)

19/09/06 - Notice of Issue received

Full settlement

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