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    • Email,. today from BW Legal    Without Prejudice Save as to Costs 09 April 2020 Dear XXXXXXX Our Client: PRAC Financial Limited Balance Due: £521.65 Hearing Venue: XXXXXXXX Original Creditor: Instant Cash Loans Ltd trading as Payday UK Original Account Number: XXXXXXX Hearing Date: 16 June 2020 We are writing to you because the court has listed our client's claim for a court hearing on 16 June 2020. We understand this is a difficult time for everyone, which is why our client is keen to resolve matters amicably by offering you the opportunity to pay a discounted balance on the sums due. We wanted to let you know that we are available to assist you throughout this time via numerous methods, from our Contact Centre, Webchat and our Customer Portal. We want to ensure that if you are or have been directly or indirectly impacted by COVID-19, that you still get to the best advice and reassurance about how to manage your account with us. Please call us on 0113 468 3021 or speak to us via Webchat so we can assist you at this time, we just need to understand your circumstances in order that we can help. Great News - 35% Discount Offer Our client wants to help with any possible financial burden that you may have and we are able to now offer you a pre-approved discount. This can be paid in one lump sum, or you can pay this over a pre-agreed instalment plan. This offer is open until 09 May 2020. What is even better for you is that you do not need to call us to accept this offer if this is affordable to you. Just log in, or register to use our Customer Portal www.bwlegal.co.uk and select "Customer Login". The pre-approved settlement and plan is ready for you to accept. You need to quote our reference, along with your address details and a couple of other security questions in order to register. Our Customer Portal is very easy to navigate and you can choose various different payment methods and payment dates. You can also use the payment calculator, view your account, statement and talk to us via Webchat if you need assistance. Strictly, without prejudice, the discount available is 35% from your current balance. If you do take advantage of the offer, the revised amount to pay will be £339.07 if paid by 09 May 2020. If you cannot afford to pay the discounted amount in full, do not worry. If affordable for you, you can still take advantage of the offer by repayment plan. We have a pre-approved monthly instalment amount of £20.00. The plan has been recommended to take into account estimated disposable income. We have also made it easy for you to accept the offer without having to call us. If this is affordable to you then simply log onto our Customer Portal and accept to pay the offer by instalments. You will be able to choose the first payment date and payment method. Once the offer has been accepted, we will withdraw the claim and notify the court that the hearing listed on 16 June 2020 does not need to go ahead. If you have filed a counterclaim, you will need to ensure that you inform the court and ourselves, in writing, that you no longer wish to proceed with the counterclaim. Important information about credit reporting When you opt to set up a discounted repayment plan, if our client already reports your account to a credit reference agency then they will continue to report your balance and payment each month. On receipt of your final payment, our client will then mark your agreement as closed with the status "settlement".   Yours sincerely, BW Legal
    • Note that most experts believe that re infection cases are faulty tests. Plus there are always a small number of people who can get something twice. I can attest to this as I was unfortunate enough to get Chicken Pox again as an adult, something I wouldn’t wish on anybody.
    • Post 16  https://www.consumeractiongroup.co.uk/topic/420400-vcs-spycar-pcn-no-stopping-southend-airport/?tab=comments#comment-5040496   Post 23  https://www.consumeractiongroup.co.uk/topic/419312-vcs-pcn-no-stopping-in-restricted-zone-bristol-airport/#comments   Here are two good examples.  Tweak them according to your circumstances and post up what you intend to send.
    • FCA announcement 9/4/20 From interest-free overdrafts to credit card payments, the FCA has told banks to help borrowers during coronavirus crisis: What will it mean for you? The FCA said banks must offer interest-free overdraft buffers of £500 It also said people could put their credit card repayments on hold for 3 months This would not affect their credit score but they would still be charged interest This is Money explains what the proposals mean for consumers     https://www.dailymail.co.uk/money/cardsloans/article-8203647/What-todays-new-FCA-debt-measures-mean-you.html   https://www.fca.org.uk/news/press-releases/fca-confirms-temporary-financial-relief-customers-impacted-coronavirus
    • From interest-free overdrafts to credit card payments, the FCA has told banks to help borrowers during coronavirus crisis: What will it mean for you? The FCA said banks must offer interest-free overdraft buffers of £500 It also said people could put their credit card repayments on hold for 3 months This would not affect their credit score but they would still be charged interest This is Money explains what the proposals mean for consumers     https://www.dailymail.co.uk/money/cardsloans/article-8203647/What-todays-new-FCA-debt-measures-mean-you.html   https://www.fca.org.uk/news/press-releases/fca-confirms-temporary-financial-relief-customers-impacted-coronavirus
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Angus1167

Taking on Lloyds TSB

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4735 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

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Hi, I'm sending my first letter to my local branch today. The wife & I have banked with TSB for nineteen years & have been hammered on a regular basis in the past. When our kids were younger & we struggled to make ends meet, we were often hit with charges of £200 plus per month.. I'm gonna enjoy paying them back.

I'm a Union leader in a large manufacturing plant. We have over 2000 employees here & if my claim is succesful, every single one of them will be given the details of this great website.

I'd appreciate any help on offer.

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Hello and Welcome!:)

Good luck with your claim, keep us up-to-date on how you are doing, and if you have any questions, just ask.

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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Welcome, Angus and as no doubt you will have already picked up read everything you can on the site. You must read the FAQ's. I also found a step by step guide somewhere on the site, which was very, very helpful and ensured that i was prepared for each stage.

Good luck with your claim, be strong and patient. There really are no short cuts, but you will get there.

 

Regards

 

Paula

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Welcome!

Just remember that anything you do from here on in could potentially be scrutinised by a Judge! Keep copies of all communication with LTSB, if it's telephone conversations, note down the date, time and who you spoke with. Keep everything together so things don't get mislaid. Take it seriously, be professional and diligent and you won't have to rely on any luck at all :)

As Barty just mentioned, if there's any help you need, just ask . . . we're all going through the same process and daunting a task as it may appear it'll be worth it!

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As a comparative novice on this site who has recently won his case following advice given through here I'd advise you to recommend this site to anyone and everyone you hear about who wants to take this course of action.

 

We followed advice given in the consumers association WHICH magazine and on their website and came a cropper, I'm not knocking there advice but this site is so much better as you can ask specific questions and someone will be along soon to guide you on your way.

 

As others have said, its a daunting prospect but well worth it.

 

Good luck with your claim ....................... we'll be watching;)

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Hi, well it's been 29 days since I visited my branch & handed in my request. Nothing yet, but I have my receipt for £10 as proof of my request. Do you think they're hoping I go away? Do I ring them to query progress, or do I wait? If they do not respond, how much do I submit as my court claim, will a guess suffice?

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Hi Angus

They are legally bound to supply informnation under your SAR in 40 days. You have another 11 to wait before taking any further steps, so unfortunately fella, you've just got to be patient.

With regards your N1/MCOL I've got one piece advice, NEVER guess on any matter!!!! :)

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I've just won, took a little time and a bit of effort but as long as you double check your figures, and follow the step by step guide you should have no problems.

 

Have you applied for copies of your statements by issuing a subject access request or do you already have the figures you needed/

 

I know there are instances where you can claim for longer than six years is this something that you intend on doing.

 

Finally if you need any questions don't hesistate to get in touch.


Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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Wow, thanks for the quick responses fellas! Yes, I paid £10 for the SAR. If it's possible I'd go back 12-15 years to recover charges, not sure if that's feasible though.

There was a front page article on my local paper last week. Details of the CAG site was all over The Herald here in Luton. Perhaps our local banks have been inundated with demands by angry customers... with a bit of luck!

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Thanks Barty, I'll ring that number tomorrow.

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Wow, thanks for the quick responses fellas! Yes, I paid £10 for the S.A.R - (Subject Access Request). If it's possible I'd go back 12-15 years to recover charges, not sure if that's feasible though.

There was a front page article on my local paper last week. Details of the CAG site was all over The Herald here in Luton. Perhaps our local banks have been inundated with demands by angry customers... with a bit of luck!

 

You can only go back 6 years, its better than nothing though and well worth the effort.

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Hi all, thanks again for the support & advice.

I rang the number Barty provided :) The girl was very interested as to where I'd got her department's number from. I just told her a friend had given it to me. She didn't know about my claim but phoned back the following day to tell me my SAR was recieved 9th Jan & that they had forty days to respond. So they've got until Sunday 18th Feb.

Thanks, RW.

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Hi!

 

Just to let you know I have sent my first letter (usual reply from Lloyds), and am now going to send the 2nd (LBA). Will keep you posted - please check out my thread Hellooooo MSP v Lloyds and I will keep a check on yours! Good luck!!!


joined Feb 2007 - taking on Lloyds TSB

sent prelim letter 18 Jan 2007

reply received from Lloyds TSB 1 Feb 07

sent LBA letter 15 Feb 07:)

filed N1 at court fri 2nd March 07

Notice of defence being filed r'cd 27 March 07

AQ completed and sent 12 April 07

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Hello all, recieved all my stuff from the bank on day number 39... I've totalled it all up, quite a tidy sum.

Just gonna load the next template & tell them what I want..RW.

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Recieved the response to my claim; 'sorry to hear that you are not happy blah blah blah' I'm sending the next letter outlining my intention to take them to court if they don't pay up. rw.

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Angus you can go back as long as you have had the account. If they have sent you the statements only over 6 years write back and tell them you want the lot, if you only get 10 years which I have had on more than one occasion then estimate the charges before that. I have personally done two over a 13 year period.Any one who says you can only go back 6 years does not know what they are talking about, and make sure you go for a minimum of contractual interest.

Leech


http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html#post436526

click my scales if you think i am helpful ! yes LHS down there !!

Once more into the breach dear friends,once more

or close the wall up with our banks dead ,

The games afoot,follow your spirit and upon this charge

Cry 'God for Harry' England and St George

Henry V battle of Agincourt 1415

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Thanks for the advice Leech. I've submitted my request already; based on the last six years. Is it possible I can request the previous six years as a seperate claim?. Rob W.

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Angus you can go back as long as you have had the account. If they have sent you the statements only over 6 years write back and tell them you want the lot, if you only get 10 years which I have had on more than one occasion then estimate the charges before that....

 

Any chance that if you are going to advise this, that you could explain the SoLA to the user?

 

How, precisely, do you force a bank to submit paperwork over 6 years old if you have no evidence that it exists?

 

Starting a court action based on estimated charges outside of 6 years is very worrying, and not something we could advise you to do. It may eventually put you at risk of costs.

 

...Any one who says you can only go back 6 years does not know what they are talking about...

 

I would refer you to the above.

 

...and make sure you go for a minimum of contractual interest...

 

Without explaining the potential pitfalls?

 

Angus, the most important thing for you is to feel comfortable in your own claim. Certainly, if you spend a great deal of time examining the Statute of Limitations Act (SoLA) then you might feel like challenging that position. Others have, some successfully, others not, but the concept has not really had a chance to be argued in front of a Judge.

 

In terms of any potential interest, once again it requires lots of understanding if a user is considering claiming contractual interest. I am certainly not saying that you should not do so, only that it is not straightforward. Judges have considered this element and the outcome has not really been overly positive.

 

As with all parts of your claim, we only ask that you understand each element in as much detail as you can and that you would feel comfortable challenging the bank in front of a Judge.


..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Thanks Jonni, all the advice here is invaluable. It's been thirteen days since my last letter threatening litigation. No reply. I'll see what happens in the next few days. RW.

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Hi all, received a letter from the bank; they have, they say, looked at our account and found that they have been over charging us after all! They've offered £300 or so to keep us happy. I wrote back & said that unless they pay the full amount, we will continue our litigation!

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