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

[wolfcub]

So pleased I found this site. I have just sent by recorded delivery a letter to Lloyds Customer Care for £2500 of charges.

 

Lloyds were efficient in my request for all statements over 6 yrs on two seperate accounts - took just 4 working days to reach me. I hope that their paper is taken from sustainable forests - otherwise some de-forestation has occured.

 

I fully intend to take this all the way. Lloyds took about half the amount over a six month period when my business was in trouble. I ended up in court on a reposession charge for a loan secured on the house that I could not pay - the amount of arrears was under £1000 - less than Lloyds "took" from me.

 

I agree with another members comments - county courts are not as scary as creditors. Having been on the other side, I frankly would welcome the opportunity to state my case.

[richardc]

Well done and welcome.

 

Keep us posted.

[wolfcub]

Got the standard letter back from Lloyds this morning - same as everyone else. I'll send a letter before action and we'll go from there.

[wolfcub]

Received a second letter of refusal from Lloyds today. They are very efficient at getting responses out through. Just 2 days. Since their letter states "This is the bank's final response, I'll file a claim later on for £2500 plus 8% interest.

 

Found I had a spring in my step this morning - can't wait to get some justice.

 

 

 

 

 

MOVED can you please keep to the one thread with this please

[wolfcub]

By all accounts, this was a rather effortless process! Sent Lloyds a letter - got a standard GO AWAY and NO letter back. Sent a letter before action, Got a shorter NO letter back. Applied to the courts 5/4/06, and Lloyds didn't even respond (they had 14 days to file an Admission or defence).

 

Given they had been so efficient in sending the GO AWAY letters and all backdated statements, this was a surprise and a disappointment. I was looking forward to meeting them in court.

 

I filed a Judgement by Default this morning for £2600 plus costs. Lets hope they pay up or I shall relish sending in the bailiffs.

 

Hoorah. Take note all you newbies - it's not always that hard to get justice!!!

[Dappa44]

Excellent news m8, Hope mine goes as swimmingly as yours

 

Dappa

[Lusky]

Brillant and well done. Another tale of inspiration!

 

Just out of interest, which of the lovely LTSB departments have you been corresponding with, was it Birmingham, Brighton or your branch. Also, did you put your branch down as the address for the court?

 

Sorry to ask so many questions but have sent my own LBA to Lloyds today so am just preparing myself!

[wolfcub]

Hi Lusky,

 

125 Colmore Row, Birmingham B3 3SF - Head Office I think. I have been corrisponding with a Mandy Horton, Assistant Manager. She has the authority to say "NO" loudly so she's senior enough to deal with it whatever branch you bank with.

 

Tip - send everything registered post (cost £1). They can't argue then at a later date. I didn't speak to anyone at Lloyds - I prefer to have headed notepaper responses for my files. Gave them two shots at paying - pretty fair I think.

 

Good luck with your claim. It really is quite simple.

 

Wolfy

[wolfcub]

Excellent news m8, Hope mine goes as swimmingly as yours

 

Dappa

Cheers Dappa - good luck with yours.

Wolfy

[Lusky]

Thanks Wolfy,

 

Am dealing with Colmore Row too! ( With the exception of the DPA letter which I took to my branch just for the fun of it lol!) My contact is David Just also assistant manager.

 

Congrats again and thanks for the info.

 

Enjoy your celebrations

[kotum45]

WELL DONE WOLFCLUB.

They haven't acknowledged mine either and today was their last day. Hopefuly I will be to get a default judgement tomorrow.

congratulations....

good luck everyone..

[kotum45]

sorry i meant to write wolfcub

[wolfcub]

Hi Kotum,

 

I've always wanted to be a wolfclub!!!! Thx for your wishes. Make sure that you put your judgement by default in early (9.00am). If LLoyds do send a reply late it tales precident if you haven't issued your claim. Did you use moneyclaim.gov?

 

Looking at the responses, dont you think its odd that Lloyds cant respond to some (like ours) and put defenses in early for other cases? Not very together as an organisation.

 

Fingers crossed 4 2morrow.

 

I sent a Letter Before Action to Barclaycard today for £600 charges. So hopefully, I'm on a roll. To quote the Complaints Manager

 

"Mrs (wolfcub) if you must take us to court then so be it"

Bring it on.

 

Best of luck Kotum.

 

Wolfy

[kotum45]

I bet the guy at barclays didn't believe that you were serious. Please e-mail him with the claim reference number after you file for it

I sued moneyclaim and getting a judgement will be the first thing I do in the wee hours of the morning.

I think they are bombarded with claims at the moment so they are starting to miss deadlines. Maybe they should start employing more people with the money they make from unlawful charges.

[kotum45]

Note: I didn't sue moneyclaim.... I used moneyclaim...

I should read what i write before posting...

[wolfcub]

Hi Kotum,

 

Humm - charges are documented as a £3.2Bn revenue stream for banks in general. Even if Lloyds accounts for 10% of that - its a huge sum - enough to employ thousands to run around after our claims and at least respond to them!!

 

The man at Barclaycard took a gulp when I said I had sucessfully sued Lloyds. Strangely, said NOT to address the letter before action to him! Tee Hee. Copied him on it for the fun!

 

Wolfy

[kotum45]

Wolcub hi,

are there any further developments in your case. they didn't put in a last minute defence or anything have they?

[wolfcub]

No. They had til 3.45pm on Tuesday. Nothing recorded at all as of midday today.

[kotum45]

Great, so the court has issued the default judgement?

[biscuit]

Don't count your chickens until you defo have the judgement. I was in the same situation but Lloyds managed to avoid the default, even though they replied a day late and thus the court rejected the judgement.

[Krystyna]

 

Humm - charges are documented as a £3.2Bn revenue stream for banks in general.

 

Even if Lloyds accounts for 10% of that - its a huge sum - enough to employ thousands to run around after our claims and at least respond to them!!

 

Lloyds have more than 50% of the Domestic market the buggers probably make more than any other bank. They should get their finger out and give us our money back

Glad you got yours.

Krystyna

[wolfcub]

Wolfcub has to wait a bit longer. Default rejected (like Biscuiut) as they put a acknowlegement in 2 days late - and it takes precident.

 

No probs. I can wait til May 8th - or meet them in court.

 

Got Settlement with Barclaycard this morning. So not a bad day!

 

Wolfy

[nearlyoldwoman]

how can they do that, thought it was set amount of days, its not like they don't understand a we're all doing it? keep us posted, after a lot of faffing about and 2 visits to the sheriff court today, i've just about got mine ready to go to lloyds tsb (scottish law here) cant wait!

[wolfcub]

best of luck with yours, I'm not fussed....sure it's not fair but I can wait. I'm quite happy to argue face to face - if they are brave enough.

[wolfcub]

I did have a chuckle to myself when I received the copy of Lloyds Court Allocation Questionnaire over the weekend. In Qu 1, "Do you want more time to see if you can agree a settlement", they said YES.

 

Humm, since I have had 2 letter saying NO go away, no phone calls or any other communication for 6 weeks now, its facinating they want to talk. In fact, Me thinks they want to stall not talk.

 

I shall rig my PC and record the conversation with interest. Like all other I have their defence based on the fact it's a service.

 

If they want to stall, I can wait - but I'd rather meet them in court.

 

Wolfcub

 

 

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