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zeus v lloyds - won (for all those sick of lloyds dragging their feet)


zeusspandex
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There is long way to go. Wait for the defence, they may make an offer, they may not. There is no precise way these cases unfold and that is quite deliberate. The claiming strategy would be far more straightforward if that were the case.

My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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I am going to wait for the defence and see what happens - I have issued for £8,000.00 and therefore the claim may be allocated to the fast track. Obviously I am worried about cost implications if I were to lose at trial. Has anyone considered issuing a Part 36 offer to settle to force the banks hand - any views appreciated!!

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Hi All,

I have received a transfer letter saying that they have dispensed with AQ - omg what does this mean - have I lost???? I havn't sent a schedule of charges to anyone apart from my bank, now thay are also saying in their defence that I am claiming beyond 6 years - this is because time has passed since my first letter which was Dec last year, please help me ??

Shall I give up - they have given me the normal deposit of £750. thanks

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Hi Liani - Have a look at this http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html. And also this http://www.consumeractiongroup.co.uk/forum/lloyds-bank/81799-issues-raised-llloyds-bank.html. Everything that's happening is perfectly standard. It's up to you of course but I would carry on with the claim until I was paid in full

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi, thanks for that, yeah it says exactly that. Do you still think I could still win? Should I send the other document also? It looks really complex, especially as they have not asked for anything else from me?

ANy help much appreciated - wish I had joined this at the beginning and I may not have been in such a pickle.

 

Thanks AGain

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Hi

Do you still think I could still win

Yes

Should I send the other document also

What other doccument?

wish I had joined this at the beginning

Where have you been getting advice from in the past?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Hi, I'm new to this and have sent the first letter, which has been acknowledged with the usual stuff about bank charges being fair etc. I have now sent them a letter stating that I will accept 25% less than is claimed if they settle within 14 days. I'm just a bit worried about the Terms & Conditions. Where can I find them? Are they on standard letters such as agreeing to an overdraft? Also, where on site, can I find a list of documents I might need for court proceedings, if it gets that far?

 

Yours

 

Antonia

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Hi

 

Yes

 

What other doccument?

 

Where have you been getting advice from in the past?

 

The other document is the one that is on this site instead of AQ as I have sent the schedule of charges to the court that it has been transferred to.

 

I was getting advice from moneysaving.com

 

Thanks for your help

 

Lianne

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hi lynn here just joined today, trying to claim £3060 back from Lloyds, now awaiting response from second letter. Very scared probably will need to start court proceedings in two weeks can anybody help me with what I need to prepare for court. Thanks looking forward to some friendly advice. Lynn.

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  • 2 weeks later...

hi sheppie D WE sent our LBA on 6th June it is now the 20th so 14 days has also passed for us. We are not going to write to them again they havent met our deadline so its time for me to put my money where my mouth is. I am going to use the N1 form found on cag, fill it out , print it off and take it down to my local court along with my schedule of charges but I still need to finish my spreadsheet for the 8% interest so I hope to get it to the court by the end of the week. I wouldnt bother to contact Lloyds again you need to show them you me action. By the way if any of what I am saying is wrong , anybody feel free to step in. Also if it wasnt for this site I would not hav ehad the confidence to do this. Good luck sheppie D. lYNN

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Hi flyingj

 

Thanks soo much for the help. I'm certainly going

to put my mouth were my money is as well.

Wish you all the best.

Mnay Thanks

sheppieD

My People are destroyed for lack of Knowledge!! [sIGPIC][/sIGPIC]

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Hi Sheppie,

Really you should file a claim using moneyclaimonline.com first of all, this gives them a further 14 days - if they do not enter a defence you could win all back after 14 days? Worth a try? I am at allocation stage, court date is 23rd, I have received £750 back so far.

Good Luck

Lianne

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