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    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
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daisy_bumbleroot

Lloyds in good will gesture shocker!!!

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My boyf and i have done the DPA, Prelim and LBA letters our joint account and solo accounts.

 

We are now up to the stage where we submit a claim with the courts...

 

My boys has just got a letter today saying they will pay £750. "We are making this offer as a gesture of goodwill because we might face that cost in dealing with your complaint if you took it any further"

 

He has just looked into his online banking and checked the balance. Lloydstsb have dropped £750 biggrin.gif Sweet! (Needless to say, we are still pursuing the rest, so will probably need some assistance in explaining how the interest bits will work on all this, but I can save that til I get all bits off the computer at work)

 

Has any body else had this happen from LTSB? Im crossing my fingers and hopig I will get a similar interim payment from them too in the next few days!!!


**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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This seems to be Lloyds' approach with the newer claims now. From what I've seen people are being advised to either reject the offer and carry on as normal for the entire amount, or if they are going to accept it then they must let the bank know that this is as partial payment only.

 

There are quite a few cases of this happening lately and I think I've seen a couple of posts on it today, which should be on the first page of this forum somewhere.

 

Lucid :)


Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks for that link.

 

Now, how do I make it so i can subscribe to this page, so i can find it again?

 

Ive tried the user cp, but only saw a GO button where it says "Move to folder"...?


**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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You should be subscribed automatically. Whenever someone posts here it should show up in your 'user cp'.

 

Failing that, click on your own username, go to view profile and there is a link 'find all threads by.....' click that and this thread will come up.


Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi everyone,

 

I have just received a similar letter yesterday offering me £750 and I find that Lloyds have actually put the money into my account,

 

Do we still take Lloyds to court through Moneyclaim online or send another letter ? I had sent my 14 days letter at the beginning of December.

 

Damian vs Lloyds

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Hi Damien,

 

send the Rejection of settlement offer letter and proceed with your claim as per your original deadlines.

 

I've also answered on your thread, here - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/35424-damianjg-lloyds-bank.html#post458809 to keep your timeline up to date.


Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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It seems my boyf isnt the only one judging by several peoples accounts from here, that are recieving this £750 goodwill gesture...

 

As i mentioned above though, how come they havnt offered my solo account or our joint account a £750 rebate, even though we sent off the letters near enough the same times?

Is it just random people?

Does anyone understand what the circumstances are to have recieved a rebate?

Are they doing it alphabetically (my boyfs surname ends in A, mine ends in P...)


**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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hi there. well done on getting this far. i had excatly the same thing. i got a letter on thursday giving me £750 as a goodwill gesture, and it was in my account the next day, and ive now sent a letter to them saying that i will accept this as a partial payment only and in a week i will begin court proceedings.

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Cheers drpaul!

 

Is the first letter of your surname between A and P perchance. I just want to know why I havnt got a refund and my boyf has and if theyre doing it to random people or everyone in turn.

 

Plus our joint account is under £750. perhaps thats why they havnt refunded it?


**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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not really sure why, seems a bit crazy but cool cause just after x mas it comes in handy. hopefully get the rest back soon. you done the 8% charge thing have you?

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Well, its £580 now with the joint account, £1800 with the boyfs, and anout £2450 odd with mine, i think if we add all the interest in it comes to £5500 plus... (minus the £750 my boyf recieved. I was going to file my mcol tonight for the joint account, but all my info is at work and pn the PC at work!

 

Do you know how to do an mcol for the joint account? Can you put "Mr AXXX and Miss PXXX" in the surname and "CXXX and PXXX" in the forenames or do i have to just do one name or not bother with mcol and do a handwritten one?


**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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the first letter of my surneme is d

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the first letter of my surneme is d

Hmmm!!! Praps i could be looking forward to refund in a few weeks then as P is quite a few letters away from A and D! Just a theory, but thanks!

 

 

Id be interested to see if anyone else who has had thier refunds are at the early end of the alphabet, then the theory of refunding people alphabetically could be right...!


**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Hi daisy bumbleroot

 

I received £750 from Lloyds just before Christmas and my surname begins with T so I don't think your theory is quite right. It may be that names are picked at random or from the date the claim was first made. In my case I sent my prelim asking for £5952.00. in November 2006. I don't think that it is the value of the claim because there are posts on here where £750 has been refunded where the total value of the claim is only slightly higher.

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i had the same just before Xmas. they did not ask for any conditions so i didn't bother to write back. in fact, i had already summonsed them, by then. they cannot unilaterally impose a settlement and i did say that i required full repayment and that the LBA was my final communication. however, i won't object if they adjust the balance of my claim.


Newacre

LoydsTSB - £4,158.82 inc interest @16%

SARS request - July 06

Prelim letter - 19 Sept

Letter back saying how devastated all the lads at Head Office were to hear... - 31 Oct 06

LBA sent - 8th Nov 06(had to send a 2nd as Royal mail lost it)

Summons reg at CC 15th Dec 06

Nice letter saying that they would be refunding £750, no strings! 18 Dec 06

SC&M acknowledged service and will be defending claim in full - 4 Jan 07

25 Jan 07 transferred to mercantile Court with about 50 others

06 Feb 07 SETTLED IN FULL! - £4466(includes a bit extra interest)

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i recieved a letter from lloyds tsb on saturday which stated a £750 GOODWILL GESTURED would be in my accont in the next few days .is it ok to use this moneyand still proceed with court action .i am worried incase there might assume that it is a settlement offer and by me spending it it would stop me from going futher to recover the full amount £6000 +

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Send the Rejection of settlement offer letter and proceed with your claim as per your original deadlines.

 

Also, please do start your own thread. You'll then have your very own timeline which you can update as your claim progresses, and where people will be able to offer you help as and when you need it.

 

Good luck with your claim:)


Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Congrats on getting at least some of your payment through.

 

I sent my prelim just before Christmas, their time is up now but I have not been back home in a few days so do not know if they have written to me yet. I do know that they have not credited my account though :( I keep checking just to make sure.

 

All the best with the rest of your claim!

 

K

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isnt it normal for them to offer a goodwill at the lba stage not the prelim


 

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isnt it normal for them to offer a goodwill at the lba stage not the prelim

well theyve not offered me anything (yet) just my boyf and we are both at filing our claim stage now!


**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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it appears that they're getting softer by the minute. they didn't used to offer anything at all.


Newacre

LoydsTSB - £4,158.82 inc interest @16%

SARS request - July 06

Prelim letter - 19 Sept

Letter back saying how devastated all the lads at Head Office were to hear... - 31 Oct 06

LBA sent - 8th Nov 06(had to send a 2nd as Royal mail lost it)

Summons reg at CC 15th Dec 06

Nice letter saying that they would be refunding £750, no strings! 18 Dec 06

SC&M acknowledged service and will be defending claim in full - 4 Jan 07

25 Jan 07 transferred to mercantile Court with about 50 others

06 Feb 07 SETTLED IN FULL! - £4466(includes a bit extra interest)

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Does anyone know if they try and pull any retaliatory action like closing account or pulling OD?

 

My bf can claim but is worried they could pull his OD which is way more than his total charges. Is it worth waiting until this is paid off before claiming?

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very true, ive just sent my husbands lba, so it'll be interesting to c if he gets anything from them


 

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Does anyone know if they try and pull any retaliatory action like closing account or pulling OD?

 

My bf can claim but is worried they could pull his OD which is way more than his total charges. Is it worth waiting until this is paid off before claiming?

from what i understand though, you make it clear that you want the refund on your terms, so if you want to pay it off you can, but if you want a big fat cheque, its not up to them to decide you can't have it.


**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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