vaughan94 vs Lloyd's

[Robertxc]

You don't need summary cause, as it's a Scottish thing. You're far better to do small claims in England, using their English head office address, or whichever address they've been writing to you from. You won't be able to use the moneyclaim website because you're in Scotland, so instead you'll need to download the N! claim form and use that. It is very simple to complete.

[vaughan94]

thanks robertxc,ive downloaded the N1 form,the address they sent after my LBA is

Lloyds TSB Bank Pic

Andover Service

Recovery Centre

Charlton Place

Andover

Hampshire

SP101RE

 

think it will be ok to use that one.thanks

ps. will it have to be a court in hampshire?and when it goes to court pls tell me i wont have to go down there.

[BARTY]

Hi

Use the Registered Office one:

 

Lloyds TSB Bank plc

25 Gresham Street,

London,

EC2V 7HN.

 

They will most probably have settled before you need to go to Court, so don't worry about having to go to Hampshire.

Barty:)

 

 

[vaughan94]

thanks barty,see if i use the London reg office will i have to send my claim to a court in london,http://www.hmcourts-service.gov.uk/HMCSCourtFinder/Search.do

when the bank looks at my address they will see its in Edinburgh,Scotland,iam thinking they will defend the case,knowing its to far to travel...what do you think ?. thanks.

ps.the link will not show the address:

The Royal Courts of Justice,

Strand,

 

London

WC2A 2LL

England

[jshtr3]

Hi. Don't think the banks will be too bothered about where you live, they just seem to want to avoid going to court. so it's unlikely you'll have to go further than the post box.

 

As they have branches all over I think you can file in any town they have a bank.

 

I used the head office (london) address on my claim but filed my claim with the court in wakefield. (my home town). The london address is just the place the court gets in touch with the bank.

[vaughan94]

hi all,do you think i should use our complaints procedure and how to complain for my claim,i dont fancy going down to england,cause ive read if they defend the claim i will have to go down to a english court.

 

ps.if i try a summery case,and i lose how much under a summery will i have to pay the bank in court costs.thanks

[GaryH]

I know nothing of summary clause or Scottish procedure, but what I can say is that, unfortunately, Lloyds internal complaints procedure will get you absolutely nowhere. It is genuinely quite sad actually, but the banks (Lloyds especially!) really could'nt care less about resolving your - or any other - complaint, and they just will not listen to any sort of reason or rational arguement. They will instead delay for as long as the Banking Code's terms allow them to (8 weeks), and then fob you off with the usual nonsence along the lines of - "service charge, in accordance with T&C's, your own bloomin fault anyway.... blah, blah, blah....."

 

Sad, but true.

 

The Ombudsman may be an option, but please bare in mind that Lloyds have not defended a single claim in court yet (of hundreds!), and there is certainly no indication that they intend to start now. There is a very good reason for this - they are far more worried about court than you are.

[vaughan94]

hi all,I went up to the court today to ask about a small/summery claim,the guy tolled me that if i make a small claim and i lose it will cost me £75 and if i make a summery claim (cause its over £750)and i lose the cost is unlimited,so say i lost the cost of there lawyer,paper work,etc etc:eek:

[GaryH]

If you can't sue through the English courts then your best bet will be the Ombudsman then.

 

Sorry, I thought you linked Lloyds complaints procedure above, hence my comments. That'll teach me to pass comment without checking first!

[vaughan94]

no probs GaryH,all help welcome m8.

[vaughan94]

can some one tell me how to scan a letter to post in hear,thanks its driving me NUTS!

[vaughan94]

hi all,i got this letter on saturday,i thought it was a bit weird? because i thought i would not hear back from the bank after my LBA, till i took them to court...what do you think?

 

 

Lloyds TSB Bank Pic

Andover Service

Recovery Centre

Charlton Place

Andover

Hampshire

SP10 1RE

Telephone : 01264834307

Facsimile : 01264834091

Mr V Stewart

Edinburgh

Midlothian

21 March 2007

Our Ref: CSRC - Andover / 78295

 

 

 

 

Lloyds TSB

 

Dear Mr Stewart

Complaint Reference: 78295

I am just writing to let you know that we have received your complaint - and to say

how sorry I am to learn that you feel you have cause to complain.

Please get in touch if we've misunderstood your concerns or if you have some more

information you want us to have. If we don't hear back from you in the next couple of

days, we will carry on with our investigation using the information you've already

provided.

We expect our enquiries to be completed within the next four weeks but we will try to

get our response to you sooner if we can. If there's a delay, we will let you know why

and we'll give you an idea of when you can expect to receive a full response to your

complaint. I hope we can sort things out for you.

In the meantime attached to this letter is a document called 'Voicing your concerns'.

This tells you all you need to know about resolving your complaint with us.

Yours sincerely

 

Kerry Parfitt

Customer Services Recovery

Enclosure :- 'Voicing your concerns'

 

PS.i got the letter 14/04/07 and its dated 21/03/07

[GaryH]

Its just the generic sod-off letter.