kkatiew v Lloyds ***WON***

[GuidoT]

No, you cannot alter in any way letters that you have sent, even if you have made a mistake. It seems minor anyway - do not be concerned with it.

[kkatiew]

Ok, thanks Guido. Although the original amount I asked to refund was 3046.50 plus 1080 in interest ! The amount should have been 3046.50 plus 243.72.

 

I am fine to leave it, but do you think it's going to work against me when it comes to offering a settlement or will they do the sums ?

 

Thanks

 

Katie

[GuidoT]

Unlikely to make any difference, what is important is that your claim form includes the correct interest calculations.

 

Looks like you are claiming statutory interest and this should not be included in the preliminary letter anyway.

 

Likely your claim will settle and no one will ever look at the bundle anyway - but prepare like there is going to be hearing.

[kkatiew]

Thanks for putting my mind at rest Guido . My claim for etc is all correct so i'll just sit back and wait for the court date.

 

Many thanks

 

Katie

[skbuncks]

Hi Katie

Lloyds have paid out today on my claim, the date that the court bundles were due in. They also paid out on merewynkitt who had same court date as me in sheffield (28th). May be a new tactic of lloyds to actually pay out BEFORE the court date. Fingers crossed may only be another 14 days

 

skb

[kkatiew]

FANTASTIC NEWS !!!

 

I'm very pleased for you. I hope mine goes the same way. Will keep you informed and let you know.

 

Fingers crossed

 

Katie

[kkatiew]

Hi everyone,

 

My court hearing is 14 March and although I've already sent my court bundle some time ago, i've only got a couple of days left before the 14 day deadline. I was wondering if theres anything new I need to include (I actually prepared and sent my bundle back in December).

 

Many thanks

 

Katie

[GuidoT]

It may help you to check against this link:

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

When invariably Lloyds fail to produce a court bundle (after the deadline) then send the letter here:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/58011-sc-m-court-bundle.html

[kkatiew]

hi everyone,

 

Well, the 14 days are up for all parties to file their documents at court. I've telephoned the court and the guy there said that SC&M had'nt filed any documents and intend just to rely on their defence. SC&M confirmed this. Now while most other cases seem to settle around or before this point, is this a 'normal' course of action ?

 

Any replies would be most welcome as I'm getting rather scared now !

 

Katie

[GuidoT]

Can be a bit hit and miss when Lloyds settle, but one thing is nearly always certain they settle before the hearing - sometimes even on the day of the hearing. As I said in my post 47 send the non compliance letter anyway.

 

Lloyds have never filed a bundle.

[kkatiew]

Hi Guido,

 

Thanks for that. I'll just keep on waiting then, until I hear something. Hopefully I should hear something soon.

 

Katie

[skbuncks]

Hi Katie

 

They paid you yet?? Hopefully money should be in your account by the end of the day

 

skb

[kkatiew]

Hiya SKB,

 

Not a penny as of this evening. Was hoping might go in a similar pattern to yours but not a bean ! Have sent of the non-compliance letter today by fax, so still waiting.....

 

Katie

[skbuncks]

Thats a damn shame, I thought they were finally starting to get their act together. Gotta be one of the most foolish thoughts i've ever had

 

skb

[kkatiew]

No such luck skb,

 

As of today, I have faxed over the non-compliance letter and a copy of the orignal Court Order....

 

Again I wait, Only 12 more days to go !!!

 

Katie

[kkatiew]

One week to go ! And really staring to doubt myself now. Have I done this, have I done that... !!!

 

I'm really hoping they settle now before court !

[kkatiew]

I WON !!!!!!

MONEY DEPOSITED INTO MY ACCOUNT TODAY !!!!!!!!

I can't believe it.... What a roller coaster of a ride !

Many thanks CAG/BAG will donate shortly !

[elsinore]

CONGRATULATIONS!!

 

Well done Katie, have great weekend1:D

 

Els

[BARTY]

Congratulations!! :D

Barty:)

[Rooster-UK]

Congratulations, Katie.

I will get the thread moved to **WON** as you requested.

 

Regards, Rooster.

[skbuncks]

CONGRATULATIONS KATIE:)

 

 

4 days early aswell, may be worthwhile apply for costs to be awarded. See here

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/65921-application-costs.html

 

skb

[kkatiew]

Hi Everyone,

 

I've posted this already in YB forum but not got any replies and I know how good we are in Lloyds.... ! So I thought i'd see if anyone else knows.

 

I had a personal loan account held with YB over a number of years. I am attempting to reclaim my charges back so I sent off the S.A.R - (Subject Access Request) with the £10 fee. After 56 days, I received a letter as follows :-

 

With regard to your DSAR request........ Unfortunately we are unable to issue statements for your account as this is a personal loan account for which statements are not available.......

 

I'm not sure now. Surely they should be able to supply me with some information ?

 

Has anyone else come across this or is it because its a personal loan account and not a bank account ? I was under the impression you could claim back regardless of what the account was if there were unfair charges debited.

 

Many thanks