Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • March 23: As the coronavirus crisis escalates, the UK is placed into lockdown with strict limitations on travel. The Government guidelines state: “You should not be visiting family members who do not live in your home.” The prime minister tells the UK public they "must stay at home". People are warned not to meet friends or family members they do not live with. Those with symptoms had already been told to self-isolate     Friday 27 March: Downing Street On the day Cummings ran out of No 10, his wife, Mary Wakefield, appears to have been already ill, according to her Spectator article about the experience, in which she says: “My husband did rush home to look after me.”   Both Boris Johnson and Health Secretary Matt Hancock test positive for coronavirus, while chief medical officer Chris Whitty says he has symptoms of the disease and is self-isolating.   Mr Cummings said: "I suddenly got a call from my wife who was looking after our four-year-old child. She told me she suddenly felt badly ill." He went home and after a couple of hours his wife felt better and he returned to work. "There were many critical things at work and she asked me to return [to work] in the afternoon and I did." He then "drove up to Durham that night arriving at roughly midnight" with his family.     In spectator articles on 24th and 25th April * Wakefield (wife) wrote in the spectator that Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her * She went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” * Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” * The following days, by Wakefield’s account, were a mixture of family idyll and health nightmare, as she made a “palace out of polystyrene packaging” with their son … even as Cummings’s breathing got so bad that she feared he should be in hospital. But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. That would place the improvement in his condition around Sunday 5 April,     Sat March 28th Is apparently the day Cummings said “I feel weird” and collapsed 24 hours after he came home to look after her His wife went on to explain that for the next 10 days “Dom couldn’t get out of bed. Day in, day out for ten days he lay doggo with a high fever and spasms that made the muscles lump and twitch in his legs.” Cummings wrote that “at the end of March and for the first two weeks of April I was ill, so we were both shut in together.” 10 days from March 28th – would take us to the 7th April.   Mon March 30: Downing Street confirms Mr Cummings is suffering from coronavirus symptoms and is self-isolating.   Tuesday 31 March/1st April: Durham The police have said that on 31 March they were “made aware of reports” of Cummings’s presence in the area and had then contacted the family to “reiterate the appropriate advice around essential travel”.   2 April: During the night, Mr Cummings' four-year-old son "threw up and had a bad fever". Following medical advice, an ambulance took the child to hospital. He was accompanied by Mr Cummings' wife   3 April: Mr Cummings' son spent the night in hospital and woke up the next day having "recovered". He was tested for coronavirus and his mother, who was with him at the hospital, was told "they should return home". According to Mr Cummings, there were no taxis so he "drove to the hospital, picked him up and returned home". He said he "did not leave the car or have any contact with anybody on this short trip".   Sunday 5 April: The ‘Abba’ sighting (despite claims of ten days where he couldn’t get up with a high fever) Cummings alledgedly seen in Garden with AbbA blaring But 10 days after her husband first fell ill, she said, he began to feel better – just as Boris Johnson went into hospital. Which would place the improvement in his condition around Sunday 5 April, … Although the claimed 10 days after the 28th – the earliest point at which Cummings was said to have been symptomatic – would be the 7 April. The Guardian approaches Downing Street about the story, only to be told by a spokesman: “It will be a no comment on that one.” Mr Cummings said "after I started to recover, one day in the second week, I tried to walk outside the house". He confirmed he, his wife and his son went for a walk into woods owned by his father and it was at this point he was seen by passers-by but his family "had no interaction with them". The exact date is not clear but his second week isolating in Durham would have between 4-11th   6 April: At some point in the week leading up to this date, Mr Cummings discussed his decision to travel to Durham with the prime minister. "When we were both sick and in bed," he said, "I mentioned to him what I had done. Unsurprisingly given the condition we were in, neither of us remember the conversation in any detail."   Fri April 10: Number 10 is again contacted for comment regarding Mr Cumming’s trip by the Guardian. Instead of defending the journey, officials declined to comment.   Fri 10th/Sat 11th April: The 14-day period of Cummings’s isolation would have expired on 10/11th April, assuming it is counted from when Wakefield appears to have first fallen ill on 27 March or when Cummings fell ill 24 hours later.   11 April: Believing he had recovered by this date, albeit "feeling weak and exhausted", Mr Cummings said he "sought expert medical advice". "I explained our family's symptoms and all the timings and asked if it was safe to return to work on Monday or Tuesday, seek childcare and so on. I was told that it was safe and I could return to work"   Sunday 12 April: Barnard Castle Wakefield’s birthday, according to Companies House records – they allegedly made a trip to Barnard Castle, a charming town 30 miles from the Cummings’s family property, described on the English Heritage website as having “fantastic views” and “plenty to do for families on a day out”. That detail emerged in an interview with Robin Lees, a retired chemistry teacher who lives in the town. Lees, who says he has a photographic memory, told the Guardian he was “a bit gobsmacked” to see Cummings, and then was so incensed that he made a note of the family car’s numberplate and checked it online when he got home. Cummings acknowledges he drove to Barnard Castle, 30 miles from his parents' home in Durham, with his wife and child. He explained this episode as needing to test his driving was fine before making the long drive back to London. He said he'd been having problems with his vision   Tuesday 14 April: London The Guardian asked Wakefield to confirm whether the family had been in London throughout the lockdown period, but received no reply. Cummings was photographed back in Downing Street on 14 April   Sunday 19 April: ‘bluebell’ woods - Cummings and Wakefield in Houghall woods? Could Cummings have then gone back to the north-east from London? Downing Street is emphatic that he did not. The denial came after another witness claimed to the Guardian and Sunday Mirror that they had seen Cummings and Wakefield on a country walk in Houghall Woods, a beauty spot near his parents’ property in Durham. According to this account, Cummings said: “Aren’t the bluebells lovely?” Cummings says he did not return to Durham   Monday 20 April Cummings seen in London again   May 23: Downing Street statement: “Owing to his wife being infected with suspected coronavirus and the high likelihood that he would himself become unwell, it was essential for Dominic Cummings to ensure his young child could be properly cared for.” The statement said: “At no stage was he or his family spoken to by the police about this matter, as is being reported. “His actions were in line with coronavirus guidelines. Mr Cummings believes he behaved reasonably and legally.” Speaking outside his home, Mr Cummings reiterated: “I behaved reasonably and legally”. When a reporter suggested to him that his actions did not look good, he replied: “Who cares about good looks? “It’s a question of doing the right thing. It’s not about what you guys think.” Later at the daily Downing Street briefing, Transport Secretary Grant Shapps said Mr Cummings had the PM’s “full support” and that Mr Johnson “knew that he was unwell and that he was in lockdown”. Mr Shapps said it had always been permissible for families to travel to be closer to their relatives as long as they “go to that location and stay in that location”. Meanwhile, deputy chief medical officer for England, Dr Jenny Harries, said that travelling during lockdown was permissible if “there was an extreme risk to life”, with a “safeguarding clause” attached to all advice to prevent vulnerable people being stuck at home with no support.   Health Secretary Matt Hancock and Chancellor of the Exchequer Rishi Sunak have tweeted their support for Mr Cummings.   Education Secretary Gavin Williamson said on Monday morning that Mr Cummings had "set out absolutely clearly and absolutely categorically he didn't break the rules and didn't break the law". The attorney general, Suella Braverman, tweet on Saturday in which she quoted the full text of the No 10 statement on Boris Johnson’s chief aide in which the prime minister said he had behaved “responsibly and legally”.   (Disgraceful) Boris Johnson said at the weekend Cummings acted “responsibly and legally and with integrity”   “The PM’s risible defence of Cummings is an insult to all those who have made such sacrifices to ensure the safety of others,” said Johne Inge, the bishop of Worcester, on Twitter.   “What planet are they on?” asked a front page headline in the Daily Mail, an influential right-wing paper usually supportive of Johnson.   https://descrier.co.uk/politics/dominic-cummings-and-wife-tried-to-cover-up-lockdown-breach-in-articles-for-the-spectator/   https://www.theguardian.com/politics/2020/may/24/dominic-cummings-timeline-what-we-know-about-his-movements   https://www.eveningexpress.co.uk/news/uk/timeline-the-coronavirus-lockdown-and-dominic-cummings-trip-to-durham/   https://www.bbc.co.uk/news/uk-politics-52784290   https://www.theguardian.com/politics/2020/may/25/attorney-general-faces-calls-to-resign-defends-dominic-cummings-suella-braverman   https://uk.reuters.com/article/uk-health-coronavirus-britain-cummings/what-planet-are-they-on-no-respite-for-johnson-and-aide-idUKKBN2310UE   https://cyprus-mail.com/2020/05/25/what-plant-are-they-on-press-slams-johnson-and-cummings/
    • simply tell them on the phone writing only sorry as I might want to escalate this to the fos or court. sorry but no speaky..speaky   you night find this interesting?   https://www.theguardian.com/money/2012/jun/09/life-insurance-misselling-aviva-hamilton-life   dx
    • I've had a few missed calls and then text from RBS wanting to talk about the letter I sent, two posts up.    Am I best to wait for them to write? Didn't really want to get into a discussion with them about it ideally!
    • I haven’t even looked.  I doubt some PR bod would have been in the loop.
    • Gove will be rubbing his little hands together in glee. He been quite careful in his limited wording in 'supporting demonic. but he poo'd his own pot a bit with that priority preferential test   No confidence vote (in PM not party).
  • Our picks

    • View this quiz Employment status during COVID-19
      What do you do if you’ve been told not to come to work due to the current crisis.  Watch the video here or on the Youth Consumer Service Instagram page.

      Did you learn anything? Do the quiz
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20  
      • 0 replies
    • One Parking Solutions - Damning judgement. Read more at https://www.consumeractiongroup.co.uk/topic/421148-one-parking-solutions-damning-judgement/
        • Thanks
        • Like
      • 63 replies
    • View this quiz Coping with extreme hardship
      Life can be tough when you're entering the world of work and in the present virus crisis, things are even more difficult.

      Watch the video below or go to the Youth Consumer Service Instagram page . Afterwards, you can see if you've understood the points which are being made by taking the quiz.
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 8 Category The Youth Consumer Service Submitted 15/05/20  
      • 1 reply
    • View this quiz: Pre-pay meters
      An explanation of how some gas and electric companies offer emergency quarantine support.

       
      Watch the video here – or go to the Youth Consumer Service Instagram page and watch it there. Then come back here and do the quiz
       
       
      Submitter BankFodder Type One Right Answer Time 5 minutes Total Questions 6 Category The Youth Consumer Service Submitted 15/05/20  
      • 1 reply
shazza26

shazza26 v Lloyds

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4830 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

 

Im new to this can anyone help me. I have followed everything on this website which has been a great help but now iam unsure what I should do next.

 

I started my claim against llyods on the 27th November 2006 by sending my first letter I recieved a standard reply back from them stating that the were sorry i was unhappy but the charges stand blah blah.

 

So I sent them a letter on the 13th December stating that they had 14 days to reply and settle or i would take them to court. Those 14 days passed and I heard nothing and was waiting to get the funds to start court proceeding. Then today out of the blue I recieve a letter of them dated the 2nd January offering me £750 my charges far exceed this amount and obviously i do not want to except this offer, my problem now though is do I send a letter declining this offer but except it as part payment or do not acknowledge them and just carry on with court proceedings as they were late in replying to me anyway.

 

Can anyone help and has anyone else been made an offer like this

Share this post


Link to post
Share on other sites

This is what you need - looks like this is a common thing with Lloyds at the moment:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

 

Subtract the £750 from your claim amount before the 8% is added on. You should be able to put it in the spreadsheet and it will adjust it for you.


Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Share this post


Link to post
Share on other sites

Thanks for that ill send my letter off tomorrow its madness that they are now offering everyone this figure do they not realise that we are not going lie down like dogs and accept there low inadequate offers

Share this post


Link to post
Share on other sites

can anyone help me im at the stage of filling out my N1 form to take to the court on monday. The problem I have is that now Lloyds have offer me £750 an I have sent the rejection/settlement letter stating I will except this as partial offer how do i now recalculate my interest and do i need to include it any where on my N1 form

 

Please can anyone help

Share this post


Link to post
Share on other sites

Please can anyone help me I have been reading this site now for hours and can still not find the answer i am looking for any help would be gratefully recieved.

 

My problem is if I deduct th £750 Lloyds paid me form my total what do i then do about the interest and do I state on my N1 that this deduction has been made and why, also where would i put this information i hope all this makes sense

 

Please please can anyone help

Share this post


Link to post
Share on other sites

Hi Shazza

 

sadly I am too tipsy to recall the names of the threads - but your question has been answered here.

 

I think, although not 100% that you need to accept the £750 by way of partial payment - if it is partial - and proceed with your claim. Also subject to other input, so far you have only had an 'offer' of £750, so on Monday, if £750 not in your account, continue your claim as you have prepared. To do so would not be disengenuous as the £750 is not real money

 

Hope this helps, but do wait around for further advice

 

regards

 

Paula

Share this post


Link to post
Share on other sites

cheers for that paula I have had the money in my account since yesterday and sent the rejection/settlement letter off last night but sticking to my deadline means i need to go and put my claim in on monday.

 

Im just finding it all confusing now especially with this latest tatic of theres. So now all i need to know is do I adjust the amount from the charges they impossed on me and leave the interest the same this is the bit thats confusing and now im not making any sense and i havent even had a drink!!

 

thanks for your help if this site wasnt here i think id have stopped at the first hurdel.

Share this post


Link to post
Share on other sites

Hi Shazza, sadly I have been drinking for quite a while, well not that sad, but my typing speed has ground to a halt.

 

Clearly you cannot claim what you are not owed. To do so may/will make you look unprepared. So, and again subject to more coherant input, i would personally deduct the £750 from the last batch of charges. That way you are off setting the charges which have accrued the least amount of interest.

 

I hope that makes sense

 

Regards

 

Paula

Share this post


Link to post
Share on other sites

thanks that makes perfect sense now I just need a bit of guidance and even if you have had a drink it aint showing your making pefect sense to me

 

Thanks for the input and help i will be abl to complete my form now

Share this post


Link to post
Share on other sites

Tah Dah!

 

Although please do wait for the more experienced to come along. My instinct says what Ihave said mustbe right, but instinct and knowledge are not always good bedfellows.

 

Chuffed to bits I make sense when 'fuzzy'

 

Regards

 

Paula

Share this post


Link to post
Share on other sites

hi

 

Im just about ready to take my claim to court and have filled out my N1 I want to take it tomorow but would like some confirmation that i deduct the £750 goodwill gesture from my charges before submitting my claim..

 

I know ive asked this question before but I would like to be sure as I do not want to mess things up

 

thanks

Share this post


Link to post
Share on other sites

Yes, you do deduct it.


Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Share this post


Link to post
Share on other sites

Yes, you do.

 

If you want to keep it simple, do as Paula says and take the £750 off by removing £750 worth of the most recent charges.

 

What you could do though if you wanted to still claim all the interest, is divide 750 by the number of charges that you have. This will give you a figure which you can then subtract from each charge.

 

That way the £750 is deducted as a proportion of each charge, rather than as whole charges.

 

You could then still claim all the 8% interest on the total before the £750 refund up untill the date you received it. Thereafter you would calculate your daily rate from the new total after the refund.

 

With me?


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.

Share this post


Link to post
Share on other sites

Thanks gary

 

Thats a great help just didnt want to mess thing up and wanted to be a 100% sure. I have done it the way paula said as it does seem the simple way.

 

So its off to Preston county court tomorow to put my claim in

 

Total to be claimed £2627.73

 

It would be nice to get this back as its Lloyds fault I got in so much financial trouble back in 2002 and im still trying to get myself straight now. Its amazing how back then they used to charge you twice in a month once at the beginning and then at the end. One month alone I had £200 pound in charges how can that possibly be justified if only they would take a case to court because I would love to see how that can be explained and justified.

 

Keep you all informed of how my claim goes and thanks everyone for your advice so far. Dont think Id have got this far with out it .

Share this post


Link to post
Share on other sites

Good luck Shazza:)


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.

Share this post


Link to post
Share on other sites

Hi all

 

Ive have noticed that alot of people have had a £750 pound goodwill gesture starting since the end of November but im just wondering whether anyone has recieved a reply back after sending the rejection/partial payment letter. Just curious as I would like to know if they approched any other tactics.

Share this post


Link to post
Share on other sites

STORY SO FAR

 

13/10/06 SARS REQUEST

 

23/11/06 STATEMENTS RECIEVED

 

27/11/06 PREM LETTER SENT

 

6/12/06 STANDARD REJECTION LETTER RECIEVED

 

13/12/06 LBA LETTER SENT

 

02/01/07 GOODWILL GESTURE RECIEVED £750 (nice but no good enough)

 

03/01/07 MONEY IN BANK

 

03/01/07 REJECTION/PARTIAL PAYMENT LETTER SENT

 

10/01/07 N1 FILED IN PRESTON COUNTY COURT

 

Let the fight begin:)

Share this post


Link to post
Share on other sites

Just to let you know that my claim is now in with Preston County as off 11am today.

 

Just out of interested nobody has answered my previous question

 

Has anyone yet received a reply back from llyods with regards to the £750 goodwill gesture being accepted as partial payment?

Share this post


Link to post
Share on other sites

Just out of interested nobody has answered my previous question

 

Has anyone yet received a reply back from llyods with regards to the £750 goodwill gesture being accepted as partial payment?

Share this post


Link to post
Share on other sites

No, they don't reply.


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.

Share this post


Link to post
Share on other sites

ok thanks i as just wondering

Share this post


Link to post
Share on other sites

hi

 

just an update and a quick query i have recieved my notice of issue today

 

Lloyds were served on the 12th January and they have till he 26th January to reply do i just still back know and wait for them to acknowledge wil they get in touch with me or the court i know this sounds like a stupid question but like many others I have never done anything like ths before

 

Bit nervous really.

 

Ive looked at the court bundle its looks fairly straight forward but am I right in thinkig I dont need to worry about this just yet.

 

One last thing do i need to le someone on here know my claim number

Share this post


Link to post
Share on other sites

Hi

If you PM one of the Moderators with your claim number and details of your claim.

Yes it's just a matter of waiting now for them to acknowledge, and then them to enter a defence. The Court will let you know when this happens.

Don't worry about anything, we are all here to help you:)

You can leave the Court Bundle until you receive a court date.

Good luck, and just ask if you have any more questions.

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:)

Share this post


Link to post
Share on other sites

thanks barty

 

I guess like everyone im just nervous as well as excited. Anyway i will just sit back and wait now

 

once again thank you for your help

sharon:-)

Share this post


Link to post
Share on other sites

No they didn't reply to me when I sent then the rejection / partial payment letter, this tactic of sending £750 at the moment you are about to go to court does seem to be to confuse the issue, I was caught out and made the claim for the full amount, even though the £750 was already in the account! GaryH said to just leave it like that and to tell the court what has happened... I have worked out the Interest to be deducted on the £750, by adding only the last few charges to the value of £750 and then the interest on those only is less than about £30.00, seemed the easiest thing to do. And meant that I got max interest on the longer length charges - does that make sense?!


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...

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...