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brian midgley

Brian V's Lloyds ** WON **

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hi everyone

Let me start with many thanks for the site as it has been a great help in the whole process of claiming back unfair bank charges.

I have followed the process within the site to claim back charges against lloyds TSB. I'm sure it will not supprise anyone but they have been giving my whole process a dam good ignoring.

I have received a date for court which is fastly approching and I need to fully prepare to ensure all bases are covered I would appreciate any guidance to help me compile my water tight claim.

The court date was sent with some requirements mainly for the defendant but would appreciate advice on the following statement " The parties shall send copies of all relevant documents to each other and the court." During all my procedings copies of all documentation has been sent to both the court and Lloyds TSB. I assume this covers this requirement but if not please let me know soonest so I can get it sent again.

Like Gary H I never included the 8% interest charge to my claim. Is it worth mentioning this at court or have I lost the opurtunity.

Cheers Brian M:smile:

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This appears to be the main hearing and not a preliminary hearing. This link should help:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

What you have exchanged thus far certainly does not cover it.

 

The provision of this bundle should act as a catalyst for settlement of your claim.

 

Turning to your interest question I presume you did you not include it in your particulars. I doubt you will make it to court to mention the 8%, but in the event you do, I would mention to the judge that you omitted to include it, the judge may sympathise as you are a litigant in person.


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

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Many thanks GuidoT

 

Thats just perfect I will get to work on that immediatley, and will keep you informed of my progress. Once again many thanks

 

Brian

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The court bundle is complete and sent special delivery on Saturday I missed the guarantee delivery for Monday so this will arrive with them slightly late of the 14 days period. Has anyone had any problems with SC&M with them receiving this late. I have never received a copy of the AQ from SC&M and now I have not recevied any relevant documents for the court case is this all normal.

 

Brian

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Courts are generally not be too concerned if you miss a deadline by a few days - I presume you sent the bundle to them too.

 

Do not be too concerned about the AQ, not really that important now.

 

Unlikely you will receive a bundle from SCM, but once the deadline passes, write to SCM and copy the court and say that they have failed to comply with a court order and accordingly their defence should be struck out. This should help speed up the settlement.

 

Have you read post number 15 of this? Should be a real turning point:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/20752-kazzaw-lloyds-asset-card.html


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

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Cheers once again

I did send it to the court also and thats a fab idea about writing to them saying they failed to comply with the court order. I am virtually ready to go to court if required and feel it would be a little bit of a anti-climax if they settled before. But would save taking the afternoon of work.

 

Will keep everyone updated on my progress.

 

Brian

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Hi everyone,

 

Just spoke to the court to ensure my bundle had arrived, the person I spoke too seemed very impressed. THANK YOU.

 

I also asked if they had recevied any correspondence from SC&M they hadn't and advised me to write to the court as GuidoT suggested as they have failed to comply with a court order and accordingly their defence should be struck out.

 

Do you think its worth a call to SC&M in the first place to ask if they have received my bundle and if they had sent myself anything even though I know they haven't and I sent it special delivery so I know its there. It would give them the opportunity to respond over the phone and finally realise I am serious.:)

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Brian, Hi

 

They know you are serious. Personally I would not contact SC&M, I would just write to the court. That said, some folks here have spoken to SC&M at this stage and been advised of offers to settle - so if your motivation is to try and settle sooner rather than later, then call.

 

Sounds like you are nearly there though.

 

Regards

 

Paula

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:p Well I called SC&M disguised as a courtesy call to ensure they had received my bundle. They had and I also asked if I should expect anything from them. They just said they havn't been instructed to do anything as of yet. Quite plesant though. Now I need to consider if I should write to the court to state they have failed to comply with a court order and accordingly their defence should be struck out.

 

Personnely I think the wait till next Thursday (18th) wouldn't hurt just to get the slim chance to see the judge what are your thoughts?

 

Also I have read previously but can not find now how would I go about claiming back the charges applied to my account after procceding started. Is it a case of starting again with another claim for them? Was hoping to bring them up at court but by the sounds of it I wont get there.

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Also I have read previously but can not find now how would I go about claiming back the charges applied to my account after procceding started. Is it a case of starting again with another claim for them? Was hoping to bring them up at court but by the sounds of it I wont get there.

 

Unless you specified in your particulars of claim that you wanted to include any future charges then I don't think you can demand them back. I think it is a case of starting a brand new claim, but if they settle then you have that to use against them. That's hoping that they might actually pay attention and decide to get something done before they waste too much money. ;)

 

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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thought as much never mind will start that once this one is resolved:)

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Well after yesterdays disappointment of talking to SC&M and after having a good day today with an issurance claim being sorted to my satisfaction I was feeling lucky.

 

So I called them to see if they have been given direction and if any documents were inbound. They kept me waiting for a few minutes then came back and stated they were settleing with me. They were unsure of the ammount but stated that LloydsTSB would transfer the funds.

 

Get this they even advised me to not contact the court till the funds had cleared which I would do anyway.

 

Does anyone know how long this transfer takes and when should I be out partying before my next claim?

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well if u look at my thread it wasnt for the want of trying i can tell u... at point of giving up now


 

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Dont give up PLEASE you are nearly there.

I would of loved to go to court I wrote notes and came up with loads of points about my case and how SC&M have repeatable missed deadlines.

 

Did you file the bundle, thats what I used to speak to someone stating I was enquiring if they had received my bundle and if I was to expect anything from them. I was initially told they hadn't received direction so I then called today to see if they had been given direction and was I going to receive any documents 10 minutes later they settled

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Forget What I Just Said, Just Checked My Bank And The Money Is In There, Must Of Paid It In Within The Last Hour As Ive Just Checked


 

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Dont give up PLEASE you are nearly there.

I would of loved to go to court I wrote notes and came up with loads of points about my case and how SC&M have repeatable missed deadlines.

 

Did you file the bundle, thats what I used to speak to someone stating I was enquiring if they had received my bundle and if I was to expect anything from them. I was initially told they hadn't received direction so I then called today to see if they had been given direction and was I going to receive any documents 10 minutes later they settled

 

Can you let us know when you recieve the money please

I will then change your thread title to won and move your claim to litigation concluded . :)


When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Can you let us know when you recieve the money please

I will then change your thread title to won and move your claim to litigation concluded . :)

 

I asked earlier if anyone knew how long it takes to get the money.

 

Maybe a thick question but how do you want me to contact you on this thread or by a message.:):D:)

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Congratulations Brian!!:D :D

If you click on mjanets name, and then click on send a private message, you can then email her when you receive the money.

They usually say about 5 working days to settle, but usually only takes a couple of days.

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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Just winning the battle is great and for people who are worried, so was I but stick with it and follow the advice around this forum and we will win the WAR together.

 

Thanks Barty once I have the funds in my account I will inform mjanets then I can continue to re-apply for further charges applied to my account since starting the claim. Any advice as now they have settled once I hope it will be a case of writing to them and then having them refund the charges. touch wood.:p

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Still heard nothing and nothing into my account since SC&M told me lloyds were going to settle the claim yesterday morning. you'd think waiting a few days wouldn't be an issue seeing as i have been persueing this since may 06.

 

Just would like to know when this will happen and how much so if need be I can still prepare in full for the 18th just worried this may be another stalling tactic so I go to court not fully prepared

 

What are your thoughts on giving SC&M another call or is it out of their hands now:(

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Recieved your PM saying you had won

CONGRATULATIONS


When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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YIPEEE I'm a winner

 

Just checked my account and its a been credited to me. Not that I end up with a lot but its got rid of my overdrafts.

 

Now to claim back the charges that have been applied to my account since starting procedings in May. Any thoughts on how to approach this was thinking about writing to lloyds and ask for them back as they settled previous we dont want to go down the court process and it would save them the court fees and the 8% interest.

:D

Have informed MJANET to have my thread changed to WINNER :D

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