Wolfcub Vs Lloyds - **IT IS SOOOO WON!!!**

[Bean]

An interesting and helpful thread, wolfcub. Thank you for posting details.

 

I wish you every success with your claim.

[k23d26]

Dear Wolfcub,

I have read your thread with interest and I have saved your case notes for reference which simplifies things a great deal for me!

I have spent many an hour/days on this site reading other people's accounts and I have got to the stage where I have used Money Claim Online, and LTSB have until 30th to reply. I am hoping that I will be offered a settlement before it reaches court because the thought of standing before a judge and LTSb solicitors fills me with horror! Absolute dread. I just don't have the confidence to do that, and I have always been like that. I used to be physically sick for days before-hand if I had to do a talk at school/ college. I know knowledge is power and I know the points to argue, but my mind will go blank and I'll probably burst into tears (that's happened before now at college!).

Would it be ok if I PM you when I get word back if I need help? I would really appreciate it.

Good luck with your case!

Tracie XXX

[pward33]

I'd just like to add my thanks Wolfcub for the clear and concise "running commentary" of your case; the report of the hour you spent with the judge was fascinating and I look forward to the next instalment.

 

I'm sure your narrative will help and reassure those who lack your confidence or are unsure about the legal principles involved.

 

Not that I would wish the extra work on you, but you sound like the kind of person who we need to lose their case in the county court and then successfully appeal it, thereby establishing the precedent at common law that your judge rightly wants to see! How satisfying would it be to be the litigant who finally achieved that???

 

All the best!!

[wolfcub]

hi all

 

Tracie - I have PM'd you.

 

Everyone - thanks for all your good wishes. I'll have an update for you later this week. Today sent off all supporting evidence for the case - McNamara interview, cases I'll be relying on and other documents including the two OFT statements 5th April and 7th September.

 

Worth looking up if you haven't seen them. Go to:

Office of Fair Trading - making markets work well for consumers

 

 

Wolfy

[freebird]

WOW wolfcub, what an inspiration you are.

I am actually dyslexic and can't handle all the jargon and pages and pages of legal stuff, but all credit to you, I've now got a handle on this court malarky and if you look at my thread, you'll see where I am at. pointless phone call with the Sachiari geezers this morning, but I needed to do it to break the ice, if you know what I mean.

 

After reading your thread though I'm now charged up and not afraid to go to court if I have to !

 

If Lloyds really want their dirty washing hung out in our local newspaper then all I can say is bring it on. I know for a fact that although Judges listen to the "facts" they also listen to personal circumstances and like loads of you on here, I've left the bank crying so many times, I'm not prepared to pull any punches.

 

Thank you so much for your posts and I've copied your court presentation to tweak etc. That's given me the boost I needed.

 

Just don't understand for the life of me why they are so bloody minded and persuing all these claims to the very end ?

 

thank you and good luck yourself x

[wolfcub]

Hi Freebird,

 

Hang tight and be confident. I wouldn't bother talking to SC&M any more. Let the process take it's course and you will get the result. If they want to fight, there are many like me who will help you all the way to suing their little touches off!!

[wolfcub]

Today at 4pm, Lloyds did not supply the information that the court said they HAD to deliver to me. This included original T'S and C's, details of manual intervention and get this...... how they make their charges. Yep, thats what we've always wanted to know but no bank has ever disclosed.

 

Now SCM did fax the court TODAY to say they made an offer. TRUE they did. I rejected it cos it didnt inlcude the interest and had confidentialy clauses etc. I rejected it a week ago. So they faxed the court and sai they had made an offer not telling the court I rejected it a week ago (by fax and rec del).

 

Had fun with a phone call which I recorded for the case. The fact they made an offer does not the case close.... I told them ever so politely that as far I was concerned the case was live, kicking, with another court date and nothing was settled. As such they had breached a county court order.

 

She kept saying it was he clients not SCM!!

 

I have never met such an ineffective, unprofessional and morally bankrupt set of organisations.

 

I shall write my press release and have BBC radio interview hopefully. 15 years in PR and marketing should come in useful now.

 

Wolfs

[DamianJG]

Hi Wolfclub,

 

I have just started getting my information together to claim against Lloyds. I went into my local branch and had the staff print out all the statements. I am now ready to send my first letter, would you advise sending it to a specific address ?

 

Damian

[wolfcub]

Hi Damian,

 

Sent it to :

 

Mandy Horton

Assistant Manager

125 Colmore Row

Birmingham B3 3SF

 

Don't be daunted by the size of the mountain, but look forward to the view from the top. Best of luck.

 

Wolfcub (mrs)

[wolfcub]

Anyone got an idea of how you attached or paste a document to a note? Just scanned the court order.

[Bookworm]

When you post your reply, click on "go advanced", scroll down, you should see a "manage attachment" which allows you to upload the doc (tight kb limits, beware!).

 

It may be that only mods can do this, in which case, let me know and I'll upload it for you.

[Bookworm]

[Bookworm]

It's so beautiful I want to cry.

[wolfcub]

it is rather fantastic isnt it, but it doesn't show on screen. can send in other forms than .jpg if it helps.

[Bookworm]

Oh bother, it did when I first did it.... Right, let's try again....

[Bookworm]

Well, I see it now, do you?

[wolfcub]

I've just poured myself another glass of wine...... but still cant see it. Hic

[Bookworm]

Now? *despair*

[wolfcub]

yup, it's there. Hubby worried about the legalities of posting it....

[Bookworm]

Why? It's public record, isn't it? Besides, it's yours!

[un1boy]

Thanks Wolfcub!

[rachel2609]

WOW!!!!!!!!!

 

The wording of the order is soooo good, it made me want to weep!! If only more of the Court bods were takign this stance. I guess you havent heard anything from them as yet???

 

Rachel

[GaryH]

I think the judges are all well aware of the banks tactics by now. Its just that some are choosing to order stays in anticipation of the elusive test case rather than handle it in the manner it should - as above! Like to see em try to comply with those directions - brilliant!

 

You are on the small claims track Wolfy, yes?

[wolfcub]

Wolfcub (Mrs) Wins!!!!

 

After a fraught week of franky pointless conversations with SCM, I checked my account today to find a rather large sum of money there. Yes, a full unconditional settlement and a seperate payment of the disputed interest. I didn't actually sign anything at all - and never got any other paperwork from SCM.

 

It was a great shame they were so timely. I wrote a stonking press release this morning. Another forum member contributed to it too. Unfortunatley, I can't publish it now as it's basically inaccurate. However, I will put another slant on it and put something out next week.

 

So, to all campaigners for justice - hang it there. You will get it back.

[GaryH]

CONGRATULATIONS!!!!!!!

Excellant news, I could'nt be more pleased for you. Well done!