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DBR solo account vs lloyds ****WON****


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Hi all,

 

Here are my dates thus far for my solo account:

DPA sent 2nd Oct - Statements recieved 31st Oct

Prelim sent 16th Nov - answered 28th Nov big fat no

LBA sent 4th Dec - no reply

 

So now doing my MCOL..

 

At step 5 - claim amounts - is it the total with interest or without interest?

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Its ok, i found out myself!

 

 

Its WITH interest in case anyone else is interested!!!

 

(now how can i add to my own reputation...! ;) )

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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OH! Just thought of another question...

 

When do i need to send the schedule of charges???

 

Also. When I do send it, it will probably be after today, so the interest will be slightly higher... ? is this a problem,

 

1 - do i print out the schedule as of the date i filed my claim?

2 - do i print out the schedule as of the dat i send it to them?

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Hi

If you do the following:

 

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

Dear Sir/Madam

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours Faithfully

 

 

 

Send the same letter to the Solicitors when they acknowledge your claim.

 

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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  • 3 weeks later...
  • 2 weeks later...

Well, today should be the day, and theres nothing in the post from SCM nor on momeyclaim online... Is it close of play today they will do something, or sould I have recieved something today in the post?

 

(this seems to be taken foreve-e-e-e-e-errrrr!)

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Served 15th Jan, acknowledged 16th - they got til 12th Feb to put thier defence in - yay!

12th Feb is right isnt it? 28 days after the date it was served???

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Can someone PLEASE read????

Ok... today is the 13th...

Nothing has arrived at home (bearing inmind i work away during the week, but my boyf says there isnt)

There is nothing on the MCOL.

Im checking my paperwork as i type.

The notice of issue says my claim was deemed served on 15th January.

The defendent has til 29th Jan to reply.

They replied with an acknowledgement on 16th Jan which says on it that judgement may be entered against them if they didnt file a defence within 28 days after service.

The 28th day was yesterday...?

Im confused. Why is it so quiet?

 

Does this mean i have won????

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Lloyds always leave until the last minute and then it takes around a week (depending on how busy and efficient they are) for the court to issue you with the defence and AQ.#

 

If say after week to 10 days you have heard nothing then give the court a call.

 

Anyway for the AQ completion see here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html

 

Unfortunately have not won (yet).

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

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Lloyds always leave until the last minute and then it takes around a week (depending on how busy and efficient they are) for the court to issue you with the defence and AQ.#

 

If say after week to 10 days you have heard nothing then give the court a call.

 

Anyway for the AQ completion see here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionaires.html

 

Unfortunately have not won (yet).

NNNNNNOOOOooOOOOOooO!!!

 

How come they can get away with pratting on like this!?!?!

 

They've got to play ball, play by the rules!?!? Its not on!

 

Why can they get away with being so rude as to not even go by the correct dates? Surely, surley, LTSB cant get an important document from the court saying "you have 28 days to comply" and then read it as "you have 28 days to submit a defence and then some, say an extra week"? Thats NOT ON!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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Hypothetically speaking, what would happen if i clicked on the "start judgement" bit on my mcol...? would the court look down unfavourably 'pon me, as if I'd not allowed LtSB enought time and throw me out? Surely Id be well within my right, theyve had 28 whole days to submit a defence, thats what they wanted, and they havnt. Theyre too late?

 

(like i say, just a thought, not going to jeopardise anything by doing so)

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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After the overwhelming response to all my questions, Ive found this on MCOL helpfiles and am just confused even further.

Q. I am entering judgment by default but a message comes up stating you cannot enter judgment by default at this time, why does it say this?

 

A. This is because the defendant's time for filing a response has not yet passed. If their deadline fell on a weekend or bank holiday they are given the next working day to respond. It may also be because the defendant has filed an acknowledgement of service, which gives them an extra 14 days to respond.

I have been reading the faqs on here, Ive bought and read over and over the small claimspack, and Ive read all the notes on stuff sent to and from the courts thus far, but my head is still battered. Please can someone just answer me...

 

My claim was served 15th Jan

It was acknowledged 16th Jan

 

Therefore is Lloydstsb's deadline for

a) 12th Feb (15th Jan claim issued date +28 days)

b) 13th Feb (16th Jan claim acknowledged date +28 days)

c) 26th Feb (15th Jan claim issued date +28 days+14 days because they acknowledged)

d) 27th Feb (15th Jan claim acknowledged date +28 days+14 days because they acknowledged)

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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option a)

Why don't you ring MCOL, chances are LTSB are entering a defence any minute now.

Barty:)

I just got off the phone to MCOL, you must have written this as i was speaking!

 

She said I can go ahead and start a judgement by default, but - like you say... if LTSB file a defence within the next 48 hours, then they have to accept that defence. A part of me is hoping and hoping theyre far too busy to keep up with thier own tactics and the 48 hours will pass them by :D

 

*DBR trots off to MCOL website*

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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GGGRRRR!!!!

 

Defence

You are unable to take any further action online on this claim.

 

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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With Lloyds, getting judgement in default in not really the answer, in fact I consider that it slows down the entire process, as all Lloyds will do is apply to get it set aside; which they are usually successful with.

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

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With Lloyds, getting judgement in default in not really the answer, in fact I consider that it slows down the entire process, as all Lloyds will do is apply to get it set aside; which they are usually successful with.

I suppose this is why they dont submit thier defence til after the 28th day then, on purpose. Its just taking the p1ss really.

 

The whole thing is a just a mess on. Why dont the small claim courts say 30 days instead of saying 28 days :confused: (oh and if you like, we'll give you an extra 48 hours coz you 28 just obviously isnt enough for you)?

 

Surely LTSB mustrealise I'm not giving up here, if ive come so far. Its costing them money in added interest, added fees and added costs that thier solicitors department are writing them...

 

I reckon they are going to use this to be honest. When the time comes and the ruling is made that its all illegal, LTSB will turn around and say "Now we are going to have to charge you to bank with us.

Look, all you good people out there that ran your accounts in order, you will PAY for these people. Look how much they cost us / you when they fought the fight to get back thier charges, and now, we have to pass it on to you...

Ive already heard those holier than thou types winge at me for going through this process "Well, if you kept your bank in order blah blah, it will be the end of free banking for all of us I'm afraid blah, Blah, BLAH"

 

ARGH! :-x:mad: :-x

 

Rant over, frustration not.

[/b]

**** WON ****

Cap 1 - 07/11/07 - 23/03/07 £165

Ikea - 22/02/07 - 23/03/07 £200

LTSB - 02/10/07 - 24/05/07 £3310

LTSB joint account - 02/07/07 £751

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