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    • Thank you for the letter, that makes things a lot clearer. So it's a statutory demand rather than self-certifying. See what @Man in the middle thinks but to me, it seems as if the lawyer has a good strategy and seems to have covered all the bases. HB  
    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
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Cavdave VS Lloyds part 1


Cavdave
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Hi all

Like alot of you im new to the site and im just going to send my first letter off to Lloyds in the morning by recorded delivery

I worked out from 2002 untill now they have taken £1115 out of my bank :mad:

I will update this as and when i hear anything from the bank :D

Good luck to everyone thats doing the same !

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Hi Dave

 

Yep good look from me also -keep a watch on my thread we may be on a similar time scale -C

LSTB (business) S.A.R - (Subject Access Request) received 10th Dec prelim + Contractual interest claim sent 10th Jan07 £5k + change

Received partial reduction mount of £5,563 against loan & overdraft of £18k i.e. 30% reduction. Next step PPI's & managed loans. Jan 07

 

LSTB (Girlfriend) prelim sent 10th Jan07 1st account £670

Received partial refund into account of £457 9th Feb, sent rejection letter. donated 5% 10th Feb

LSTB (Girlfriend) prelim sent 10th Jan 07 £1,450

HSBC S.A.R - (Subject Access Request) sent 27th DEC (approx £3000)

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Thanks guys

If i win any money bank it would be sooooooooooooooooo handy at the moment as we have are 3rd child due in April

How long is the time span of getting money back from the bank as ive looked at some it it dont seem to take that long ?

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One thing i didnt look up untill now is where do i send my letter lol

So after looking around the site is this the right address ?

 

LLOYDS TSB BANK PLC

25 GRESHAM STREET

LONDON

EC2V 7HN

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Right today i got this letter .......

 

page1.jpg

page2.jpg

 

 

I take its just the standard letter that they send out, I just want to make sure thats all. Do i now send off the seconded letter ?

I also got this questionnaire....

 

page3.jpg

 

Do i need to fill this out and send it back ?

They also sent me a prepaid envelope with this as the address..

 

Lloyds TSB bank plc

Quality control

Customer services recovery centre (c25)

Charlton place

Charlton road

Andover

SP10 1RE

 

Do i send my 2nd letter back in this envelope?

Sorry for all the questions but i dont get alot of time on the net or i could find out more :sad:

 

( hope im ok posting the pics, if not let me know and i will remove them )

 

Thanks for any info anyone can tell me :cool:

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Hi

Looks like a standard letter to me, I've never seen the feedback form before though:o !

I would send the LBA to whatever address you sent the first letter to. It's entirely up to you whether you fill the feedback thing in, I would, tell them what you really think!

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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Hi

Looks like a standard letter to me, I've never seen the feedback form before though:o !

I would send the LBA to whatever address you sent the first letter to. It's entirely up to you whether you fill the feedback thing in, I would, tell them what you really think!

Good luck!

Barty:)

 

LBA = Letter before action?

Am i right in saying this is the one......

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

 

Thank you

Dave

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Thanks again Barty

I wasnt too sure as it does sound like the first one abit :grin:

Ive just been reading the LBA again and the red part im not too sure if to put it in as i dont know if ive had a default issued by the charges, would i have got a letter of somthing like it telling me?

And do i send all my statements off again showing all the charges im sure i do but need to make sure again :D ?

Im fine with all this letter sending off but i'm dead scared of it going to court im hoping it wont :confused:

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Hi

I think (though not 100%) that you would get a letter if you have been defaulted.

Send a copy of your schedule of charges with it.

Don't worry about going to court, the chances of this happening are really small, and we are all here to help and support you along the way.:)

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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