Jump to content


  • Tweets

  • Posts

    • Thank you, @honeybee13 and @dx100uk, your help is much appreciated. Could you kindly confirm, @honeybee13, which of the information requested from the sticky thread I should provide given I am at witness statement stage? Sorry for any confusion, I am slightly overwhelmed. — Per @dx100ukI will also provide the defence I  filed and the court directions. — I have not received UKPC WS yet. Should I expect that through the post?  
    • it is not a fine, thread title updated and fine changed to charge in 1st post. also can you post up the defence you filed and the court directions have you received ukpc WS yet? if so scan all that up to. read upload carefully one mass pdf only. dx
    • Hello, welcome to CAG. Could you let us have the information we ask for in the forum sticky please? We need the information to start working on your case. Once we have that, I'll get you to answer a different set of questions. Best, HB
    • Hi there,  Long story short, I was working a year ago in a city centre and the site operator I was working with told me I could park in a private car park as they had an arrangement with the owner. I came back to a parking charge  from UK Parking Control, and the site operator subsequently couldn't get hold of the private car park owner and haven't been able to since. Fast forward to today, I have received multiple legal threats from DCB Legal acting for UK Parking Control I have now been issued with a court hearing along with a date. I have to file my witness statement for a court hearing later this summer.  I realise that I could have handled the situation better and am already aware of that. I was wondering what my options are at this stage? I am very keen to avoid a CCJ as it would obviously be disastrous for my credit score. Any advice appreciated. My current plan is to file a witness statement and hope the case is discontinued. Thank you for any advice in advance.
    • I run a small retail business selling cards & gifts ( all my sales are done on a face - face basis  ) & noticed one of the settlement amounts on the card terminal bank deposits was short so contacted the card company which said a customer has requested a chargeback on a sale the reason saying the goods bought was not fit for the purpose purchased for. I have old fashion till which does not show any sales or descriptions of what is bought, plus when the settlement statements match up i shred the sale receipts. The card company told me the transaction was paid for with the customers phone & shows on my portal. They have asked me for sales prof, cctv, terminal receipt of the transaction which I have none, as this was done a few weeks later. I have asked for pictures to prove the items are not fit for the purpose purchased for plus said if the customer can return them i would give them a full refund but have had nothing back plus no pictures. Also I have had no communication with the customer even asking me for a full refund. They have now closed the case & awarded the customer the full refund. Any advice would much be appreciated   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

donnalou vs lloyds tsb


donnalou
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6150 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

right got my prelim letter ready to go but i need to know as im unsure about schedule of charges ???

i might look thick but id rather know what im doing and do it right

so do i just make a list of dates i was charged and the amounts or do i send copies of statments with charges highlighted or am i completely wrong lol

i have online banking facility and can print off the copies myself so no worries about them saying theyve lost them as i can produce more

 

thanks

donna

Link to post
Share on other sites

  • Replies 61
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Hi Donna,

 

Firstly don't worry at all about having to ask questions. It's much better to ask and double check than to rush in and get it wrong.

 

Check out the Bank Templates Library and within this you will find the Interest Calculation Spreadsheets where there are several spreadsheets available. Or if you follow the link to Vamp's Chamber of Spreadhseets you will find goggle spreadhseets. Using the spreadhseets is the best way of providing a schedule of charges and it calculates the total for you as well.

 

Good luck with getting started and don't worry if you need to ask more questions - everybody has either gone through or is going through the same process as you and will help if they can.

 

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]

Link to post
Share on other sites

hiya lucid

thanks for the advice its appreciated

i have done the calculations and the amount taken over the period of 4 and a half years is 3282 without the 8% intrest which i understand isnt added on unless it goes to court

its just im unsure what to send with my prelim letter i know its schedule of charges but what is it exactly?

Link to post
Share on other sites

Hi Donna,

 

If you have used he spreadsheet you can print off the page which lists the charges in date order and totals them up, and this would be a schedule of charges. Or if you haven't you can make your own schedule. All it needs to be is a clear list of every single charge you have received beginning from the earliest and working down. The information you need to include is the date you received the charge, the description of charge (eg. Overdraft Excess Fee, Unpaid Standing Order etc.) and the amount of the charge. The spreadhseet totals each charge as it goes along so it makes it very clear how the overall total is arrived at, but as long as you produce something that is clear and correct you can't go wrong. If you do make your own schedule then make sure that your name, the bank's name, your account number and sort code are marked clearly on the top of the page.

 

Lucid :)

  • Haha 1

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]

Link to post
Share on other sites

hello donnalou, thanks for your comments on my thread, it is true that one bit of misfortune can completely mess up your finances, for ever it seems...but keep going, I have just won against the Halifax, an amazing feeling, indescribable! Using this money I have just, this very moment written cheques paying off my credit cards/ store cards. never to be used again. whilst looking through the cc statements I noticed a few late payment charges! so here we go again.. I am taking on the TSB at the moment aswell. Good luck to you , and wishing you a happy and prosperous new year:p

  • Haha 1

If I have been of any help to you please be kind enough to click on my scales! Thank you

 

:D Halifax Bank...December 2006 ..... WON! 1 week after N1 filed.

:eek: Lloyds TSB....... April 2007 Lloyds TSB.....WON, 1 day before prelim. court date, still went before judge.

:p Nationwide.........April 2007 Nationwide.......WON, 3 weeks after N1 filed.

:rolleyes: Nat West....June 2007 (on behalf of friend) Settled after LBA and before filing.

:smile:HSBC - full settlement ...on behalf of my son...

Link to post
Share on other sites

Good luck Donna. :)

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]

Link to post
Share on other sites

Hello,I joined here last night,sorry but I'm a newbie to message boards/chat rooms so not quite sure of the protocol so I apologise for butting in...its just a query I have.I am a self employed maternity nurse,I do not have a business account with Lloyds(customer for 30 odd years) just an ordinary Gold Service account,as I'm self employed I,fortunately have statements going back for the last 7 years so do not need to write to Lloyds to ask for records but what I'm unclear about is what charges exactly can I claim back eg. unauthorised overdraft charges,I've looked at my early statements and there are different charges...sorry but I don't know which ones I should be totalling,many thanks for any answers to my query,much appreciated and sorry again for interrupting your conversation,I'm sure I'll get the hang of it in the end.

Link to post
Share on other sites

Hello,I joined here last night,sorry but I'm a newbie to message boards/chat rooms so not quite sure of the protocol so I apologise for butting in...its just a query I have.I am a self employed maternity nurse,I do not have a business account with Lloyds(customer for 30 odd years) just an ordinary Gold Service account,as I'm self employed I,fortunately have statements going back for the last 7 years so do not need to write to Lloyds to ask for records but what I'm unclear about is what charges exactly can I claim back eg. unauthorised overdraft charges,I've looked at my early statements and there are different charges...sorry but I don't know which ones I should be totalling,many thanks for any answers to my query,much appreciated and sorry again for interrupting your conversation,I'm sure I'll get the hang of it in the end.

 

Hi and Welcome :)

Firstly you should start up your own thread, go to: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ and click on the New Thread button.

Any questions etc you can ask on there and you can keep a check of yout timeline and progress.

You can claim back:

O/d usage fees

unpaid chq charges

unpaid dd charges

unpaid so charges

o/d excess fees

there are probably others, these are the ones on my statements.

You can not claim back services charges, eg a monthly fee for your Gold Account as this a legitimate charge.

Hope that helps for now.

Good luck!

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:)

Link to post
Share on other sites

Thank you,Barty,yes,I have posted on the same message where you told me to go,but I've made a note of the charges and I'll be checking my statements,Thank you so much,I'm sure I'll be living on here over the next few months as I'd like to research it thoroughly before proceeding any further.

Link to post
Share on other sites

  • 5 weeks later...
  • 2 weeks later...

well no reply from lloyds 14 days are up tommorrow

do i just got to court without further notice to them and get my n1 form and pay fee or do i send them a letter telling them ????

 

just checked out pdf of n1 form do i have to have a solicitor ???? as it asks for solicitors details and charges

Link to post
Share on other sites

oh ok so does that mean i can print it off from home and just go to the court and hand it in with my fee ? i understand i need3 copies one for court one for the bank and one for me along with 3 copies of the schedule

im having problems opening the spreadsheets to calculate the interest i dont have excel or works is there another spreadsheet i can use ?

Link to post
Share on other sites

  • 3 weeks later...

well i have had a deposit of £750 today no letter no nothing they will have recieved court papers this morning i wonder if they thought oh here we go lets see if this one will take the money and run

ha ha ha well letter in the post tomorrow saying thanks for the part payment i look forward to the rest :)

Link to post
Share on other sites

  • 3 weeks later...

i have had allocation questionaire this morning ive got till the 5th april to submit they have put in defence

 

in the other information part do i say that the bank has paid me £750 even tho i have put it in writing already to the court ?

 

also once the quetionaire is returned how long will it be before court date is set or will they pay out soon after it is sent before the hearing ?

Link to post
Share on other sites

Hi

I don't think you need to mention in the "other info. part" about the £750.

These links should help you with your AQ:

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

Then it all depends how busy your local Court is to when you will get a Court date or Lloyds may pay up before you get a date, there is no set pattern to when they settle really.

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:)

Link to post
Share on other sites

thanks for that barty ive missed it off anyways as they have had the letter confirming part payment

lady at the counter reckons june/july for date she reckons its quite busy

just out of intrest do you know what would happen if they didnt send aq back on time or at all?

anyway donation given soon if all goes well :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...