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    • Just consider that if the cretinous Johnson goes, we might get Gove or The Beadle. Beadle = Rees-Mogg wannabe Beadle of Workhouse UK
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    • Hello and thank you for reply, I really appreciate!    Basically, I logged a complaint with CISAS and then reached out to all the directors Vodafone Limited and Vodafone Group Plc. I researched directors via companies house and guessed their emails. I also reached out to Ms Lamprell via Linkedin where she replied, gave me her email and said to she would have someone look into it. I sent her an email where I tried to present my case as a some sort of consultant giving insight about what I have learned about their customer service and what they could improve, mainly suggesting to hire a really highly trained professional in English and & Welsh law, so that person could take the cases that are being escalated and also train other staff. The next day, Vodafone came back to me with settlement offer. I believe everything has been pushed by Ms Lamprell who really seems a top executive to me (she will apparently receive MBE for her business services) and understands that customers are in fact important stakeholders; although the truth is I did email a few other directors too, so who knows...   In the settlement letter they pretty much negligently ignored almost all my listed points about the things where they were arguably very wrong; but what they did was they admitted some extra things where they were wrong and on that basis waived the charges and on that basis they will reverse the default on my credit file as well. Moreover, the settlement they offered me was based on the distress scale presented by CISAS where £200 is maximum for severe distress and they added £50 so I should get £250 altogether. I accepted the settlement, simply because I am too exhausted with this case.   To be honest I am still upset about the case and don't feel very satisfied given what I have been through because of Vodafone. I do believe if I pushed further and took them to small claims court or if I somehow pressed further through CISAS, I could get compensated for the actual damage caused to me and my business. I would need to play on a higher level with their lawyers for that, and it would require me extra time to study legislation and I would have to take extra risks too. I am honestly very upset about Vodafone's abusive systems, as there must be many vulnerable people going through it and I think it is unlikely it ends up as well for them -- quite the opposite.    Given anyones experience I would love to know how would you evaluate risks of pushing this further and what else could be done.    Thanks so much for all the answers in advance, it's a wonderful forum!  
    • Yep.  Also planning to do a video walkthrough and point out where the mould was that we had to deal with as the LL was in denial about it.
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donnalou

donnalou vs lloyds tsb

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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

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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]

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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?

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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 :)

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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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thanks lucid

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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

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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...

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thanks darling

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prelim and schedule done ready to send off today

here i go :p

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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]

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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.

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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:)

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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.

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got my reply to prelim letter the usual sorry you are unhappy blah blah blah

sending letter before action letter off today

will keep you all posted

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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

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File your N1 tomorrow, not further letters required.

 

No you do not need a solicitor, just leave the solicitors fee box blank on the N1.

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

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thanks guidot

will get the form today

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In case you are not aware, you can download the N1 from here and the instructions for completing are here too:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html


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

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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 ?

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As you say just print off and hand in or post to the court. 3 copies is correct.

 

Here is a free alternative to Excel, not sure how this would work the spreadsheets though:

http://download.openoffice.org/2.1.0/index.html


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

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thanks

will keep you all posted

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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 :)

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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 ?

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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:)

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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 :)

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