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Redmountie999

People vs LLOYDS TSB

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Hi Guys,

 

After a few weeks of researching the forum I decided to try my luck at getting back my money from the bank.

 

Here is where i'm at so far!!!!!!

 

1. Data Protection Request sent - 20/09/2006

2. Reply from Lloyds asking for standard £10 fee. ( found out total charges via online banking and thus saved £10 initial payout for this charge)

3. Prelim Letter Sent - 14/12/2006

4. No Reply within 14 day period - 28/12/2006

5. LBA sent - 28/12/2006

 

Guys is it normal to not get a reply????

 

I know i'm sending the letters using the correct templates. My only concern is that i've been sending them to my local branch. I do not know of any other Lloyds correspondence address to send them to.

 

I made a mistake of not sending the first letter recorded delivery but I sent the LBA via recorded delivery. I've checked the tracking with the Royal Mail and I know this was received on 29/12/2006.

 

I'm waiting on a reply or non reply re the LBA before I start to fill out my N1 Particulars of Calim form.

 

Any suggestions as to why no reply?? Where to send further letters???

 

I know that the N1 needs to be sent recorded delivery to their registered office.

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Guest NATTIE

This is you in control. No reply after 14 days from the LBA and you do what you have said....SUE THEM. The second letter is quite clear as to what you intend. They still have til Jan 9th I believe to respond so use that time to read around the site in preparation.

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I know that the N1 needs to be sent recorded delivery to their registered office.

The defendant's address on the N1 is their registered address, but the N1 sent to the court not to the bank.

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I'm not quite sure that i'm sending the letters to the write people. So far up until now i've been sending all my letters to my local branch manager. Any suggestions r welcome please??????

 

Also when i'm totaliing up my claim on the N1 do I need to include the courts fee in that figure?????? If I do then I will have to pay court fees of £120. If I don't then I only need pay £80. My claim is borderline on both court charges.

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Received a letter from Lloyds Tsb today in relation to my LBA.

 

Dear Mr A N Another

 

Thank you gor getting in touch with us. I am sorry you are unhappy about your account charges.

 

Line any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

 

Of course it's noly fair too, that we're completely open about any charged-for services before you take them up. That's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.

 

Just as importantly, we do everything we can to help our customers aviod these charges altogether. i'm sure you'll know how easy it is to keep a running check on how much is in your account. You're free to get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.

If you know a payment is going to take you over the limit we've agreed, you're welcome to see if we can raise it - and we can usually give you an answer straight away. Again we can do that for you by phone, on line or at any of our branches.

 

I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges.

 

Please let me know if there is anything else I can do. If we cannot come to an agreed solution after this I will help you refer your complaint to the Financial Ombudsman Service for independent advice.

 

If you are happy with the way I have dealt with your complaint, there is no need to reply to my letter. If I have not heard back from you by 24/02/2007, I will close my file, though I will be happy to reopen it should you come back at any point after wards.

 

Please give me a call if it would help to talk through anything in my letter.

 

Yours Sincerely

 

Debbie Gilbert

Team Manager

Customer Service Recovery Centre Andover

 

Well guy's any suggestions as to the next step? Is this the normal crappy letter that the send out to all who make a stand. I'm keen to reply back with the next stage if you can help.

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Is this the normal crappy letter that the send out to all who make a stand.

Yes

I'm keen to reply back with the next stage if you can help
.

Ignore the letter. File at court 14 days after your LBA - Jan 11th?

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Hi there Red

 

Just wanted to wish you good luck with your claim.

 

Yes this is the normal crappy letter I'm afraid.

 

Best to get started down the court route by following the advice and templates on here.

 

Go for it with gusto! ;)

 

Best wishes

Spiritgirl x


Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Have just filled out N1 for.

 

Need a little guidance please folks.

 

If I'm claiming back £964.73 do I need to pay an £80 fee. I've added this £964.73 fee to the court costs of £120 which gives me a total figure of £1084.73. But becasuee the total excluding the court costs comes to less than a £100 does this mean I only need claim back £80 ???????

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Have just filled out N1 for.

 

Need a little guidance please folks.

 

If I'm claiming back £964.73 do I need to pay an £80 fee. I've added this £964.73 fee to the court costs of £120 which gives me a total figure of £1084.73. But becasuee the total excluding the court costs comes to less than a £100 does this mean I only need claim back £80 ???????

 

Moderated .. moved from another users thread

user_online.gifreputation.gif vbrep_register("471195") report.gif

Redmountie can you please reread your above post and post it again in an inteligible form .I could guess what you mean but taking on a large organisation shouldn't be guess work

 

You have also posted this on a number of other peoples threads , I will delete all the duplicate posts .Can I please ask you to ask any questions you have on your own thread and not hi jack other peoples threads or make duplicate posts across the site, thanks :)

 


When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Okay guys tommorrw monring i'm off to my local county court to hand in my N1 - POC against Lloyds Tsb. I'm nervous for some strange reason. I'm sure it's because i'm not used to taking on banks and financial institutions. I'll let you know if it goes smoothly and when I get an acknowledgement.

 

Red

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Hiya Red

 

Try not to be nervous! I know how you feel because I felt the same, but I found the Court staff so helpful and friendly when we got there to hand in our N1. :)

 

I asked the Clerk who dealt with us on arrival whether the court had had many claims against Lloyds and it sort of broke the ice, as she said they definitely had (with a wry smile on her face) and that all had settled, even though with some it had been very very last minute!

 

I had imagined beforehand that it would all be very formal at court and the staff would be a bit stuffy - but this was definitely NOT the case Red. They were very very approachable, and any queries about submission of paperwork into court we've had throughout our case they have been more than happy to help us with!

 

I'll be following your progress and wish you well.

 

Spiritgirl x;)


Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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1. Data Protection Request sent - 20/09/2006

2. Reply from Lloyds asking for standard £10 fee. ( found out total charges via online banking and thus saved £10 initial payout for this charge)

3. Prelim Letter Sent - 14/12/2006

4. No Reply within 14 day period - 28/12/2006

5. LBA sent - 28/12/2006

 

Quick update guys this is where i'm at now.

 

6. No Reply within 14 day period - 12/01/2007

7. N1 - poc handed to court - 15/01/2007

8. Lloyds Ackowledgement of Service - 24/01/2007

 

I guess thay have until the 14/02/2007 and will then no doubt enter a defence.

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I phoned the county court yesterday to enquire if lloyds have filed a defence. The court clerk advised me that they had in fact received a defence from lloyds on 30/01/2007. They then proceeded to tell me that they had received a directive from the circuit senior judge directing them to allocate all cases involving bank charges to the main court in Cardiff.

 

They have also stated that my case is going to be heard with all the other's towards the end of March and that they are going to be multi tracked at the decision of the judge.

 

Can someone put all this into plain English ( or welsh will do ) for me. When do I get to know what lloyds' defence is and what do I do next. Jjust sit back and wait for the case to be listed in court? Don't really know.

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Hiya Red

 

Just a couple of personal observations here...

 

I wonder, on reading your last post, whether the Circuit Senior Judge has decided on this course of action as the courts are rapidly becoming fed up of the time being wasted by banks in general with all these cases, and who can blame them really? When you think that banks are settling out of court, often at the very last minute, the courts must be fed up of all the wasted paperwork and general wasted valuable time of their court staff.

 

I'm sure someone more in the know on here will be able to advise you re getting hold of a copy of the Defence your bank have submitted. If it was me (and this is just a personal opinion, not necessarily the official procedure) I would phone or call into the court and ask them for a copy of the bank's Defence. If the staff are anything like as obliging as my county court I am sure they will give you a copy no problem. However, there may be an official procedure for getting one Red - so again this is just my own opinion.

 

Best wishes

Spiritgirl :)


Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Ok,

 

So today I received an N24 General Form of Judgement or Order from the local court. It states that

 

Upon reading the Claimant's claim

 

Ex Parte

 

IT IS ORDERED THAT the claim be transferred to the Cardiff County Court.

 

Dated 31 January 2007.

 

I also received an N271 Notice of transfer of proceedings form in the same envelope. The form states

 

To all parties...

 

A defence has been filed, the claim has been transferred to the Cardiff County court, Cardiff civil Justice Centre, 2 Park Street, CF10 1ET.

 

Is this all normal? I've tried to ring both courts to find out why this is exactly happening and no one can seem to tell me why the order and directive has been made. I'm concerned at the amount of time that this will now take for my bank charges to be refunded. It appears to give Lloyds more time to prepare and it seems like they have the upper hand.

 

Anyone else had any similiar experiences they can share with me.

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Hi

It seems this is standard for quite a few of the South Wales claims, if you do a search on here for Cardiff, you will see several other cases the same.

Good luck with your claim!:)

Barty:)


I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Responding to this posted elsewhere:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/56933-tjc-ltsb-2.html#post569798

 

No full court bundle is usually necessary for a preliminary hearing, but sometimes judges ask for documentation to encourage the matter to settle. Sometimes not essential to be there in person neither.

 

Can you post up (in full) the order from the court please relating to the prelim hearing. In any event the first part of this link is useful regarding preparing for and attending the hearing:

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


If I have been helpful please click on my star and add a comment.

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Ok,

 

So today I received an N24 General Form of Judgement or Order from the local court. It states that

 

Upon reading the Claimant's claim

 

Ex Parte

 

IT IS ORDERED THAT the claim be transferred to the Cardiff County Court.

 

Dated 31 January 2007.

 

I also received an N271 Notice of transfer of proceedings form in the same envelope. The form states

 

To all parties...

 

A defence has been filed, the claim has been transferred to the Cardiff County court, Cardiff civil Justice Centre, 2 Park Street, CF10 1ET.

 

Is this all normal? I've tried to ring both courts to find out why this is exactly happening and no one can seem to tell me why the order and directive has been made. I'm concerned at the amount of time that this will now take for my bank charges to be refunded. It appears to give Lloyds more time to prepare and it seems like they have the upper hand.

 

Anyone else had any similiar experiences they can share with me.

 

I also had an order transfering my claim from my local(ish) county court to cardiff. Bit annoying really as its turned it into a 170mile round trip.

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Hi Guys,

 

Sorry I have'nt replied any sooner, been busy with work and 2 different court claims.

 

Well the good news is that I have won both of them.

 

Lloyds have now coughed up £1084.73 in unlawful charges and court costs.

 

Any Mods could you please move thread to success thread section.

 

Thank you to ALL who helped me during this process. This was the first of three successful claims and it guided me in the right direction. Thank you once again.

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Congratulations - well done

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Congratulations!!:grin: :grin:

If you send a PM to one of the Mods, they will move you to the "Successes".

Barty:)


I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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