Speedo101 v LloydsTSB

[speedo101]

Hi there

 

My first post I have spent some time looking around the site and now feel it may be time to act!

 

Before I proceed I would like to just make sure that I am correct in thinking that if I have all my Bank Statements for the relevant period then I do not need the SAR.

 

I would hate for the first action that I take to be the wrong one.

 

Thanks Speedo

[BARTY]

Hi Speedo and Welcome!

If you have all your statements you can just start with the Preliminary letter, I'm sure there is no need to do the SAR in this case.

Good luck, and keep us informed on how you are getting on.

Barty:)

[GuidoT]

I like you, had all my statements, thus dispensing with the need for the SAR letter.

 

If you have not considered it before, you should consider the type of interest you wish to add, i.e. statutory or contractual. If you add contractual you need to include it in the calculations in your preliminary letter, but if statutory you need not be concerned until you file your claim (N1 stage).

 

Have a look at my thread or read the link below to find out more. On my claim it made a £1K difference.

 

http://www.consumeractiongroup.co.uk/forum/general/18313-why-no-one-claiming.html?highlight=statutory+v+contractual+interest

 

Stay with it, it will be worth it in the end.

[speedo101]

Thank you for the replies but I now have another question (sorry)

I have realised that some of the early pages from 2002 are missing I can print them out from the website (LloydsTSB) but do I need to print them all out or just the ones with the charges on?

 

One other thing there is a sentence at the top of the statements printed from the internet that says " The personal data on this statement was correct at the time of printing. This statement is not an official Bank copy". Does this mean that I could not rely on these statements should the need arise in the future

 

Thanks once again

Speedo

[BARTY]

Hi

I would just print the ones with charges on.

I don't think it would matter about the wording on the top of the statements, I'm sure there have been plenty of successful claims where people have used internet statements.

Barty:)

[speedo101]

Ok The prelim letter has just gone by recorded delivery to the Birmingham address so we're on our way!!!

[speedo101]

Hi there

Having got my personal account underway I am about to start on my 2 Business accounts. Before I get going looking at the templates library do I send the prelim letter as per the personal account or do I go straight in with the business LBA

Thanks Speedo

[speedo101]

Bump

[speedo101]

Sorry just trying to keep this near the top in the hope that someone knows the answer

[Fulhamnick]

Hi there

Having got my personal account underway I am about to start on my 2 Business accounts. Before I get going looking at the templates library do I send the prelim letter as per the personal account or do I go straight in with the business LBA

Thanks Speedo

 

I'd imagine that your request is concerning a Business Account, you will need to go with the Business LBA.

[speedo101]

I understand that I will need to send the business template LBA but my question is do I need to send the prelim letter first for a business account or just go straight in with the LBA

Thanks Speedo

[speedo101]

I guess as nobody seems to know the answer to this I had better start with the prelim letters

Speedo

[GuidoT]

Hi Speedo101, we are still here, I did look at your thread this morning to help, but the link I was going to direct you to broken. I reported so it should be up and running soon and I will direct you to it, if it answers your question.

 

I think you may experience a little slowness with help as most people are not claiming as a business.

[GuidoT]

I have looked and I do not see a preliminary business letter in the library. The normal consumer one would need amending as it is not correct, inter alia, it refers to consumer regulations - therefore do not use it.

 

There is a business LBA that I am sure you have found, but anyway:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/486-sample-letter-your-bank.html

 

My dead link that I think should help is here, try it tomorrow:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?highlight=business#post198570

 

If you get nowhere I would go straight to LBA.

 

Read steps 5 and 6 here, note the absence of a reference to the business version of the preliminary letter but not the LBA. I presume this is deliberate:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=7

 

I am doing my best here, but I am not familar with claiming as a business, although I will be joining you soon as I have one to do, against Natwest though.

[speedo101]

Unsurprisingly there has been no positive offers from Lloyds:D

So I am now at the stage of filling out the N1

If I may I have a couple of questions at the bottom of the first page next to the Defendants name and address (which I assume you have to fill in) is a box asking for amount claimed does this box need to include the 8% interest?

 

Thanks in advance Speedo

[GuidoT]

Yes in the 'Amount claimed' box include interest.

 

There is now a business claim section section here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html

[speedo101]

Thanks for that I am slightly behind with the business claims but that will be most helpful.

 

Just to make sure that I have understood correctly the box contains the total of the charges claimed + the overdraft interest + the 8% interest.

 

In 5a is the interest mentioned there the 8% or the overdraft interest and following on from that should the amount in there be the charges + the overdraft interest or just the charges

 

Sorry to be dense but I would really like this to go through 1st time without giving Lloyds the chance to delay it through any of my mistakes (as if they would)

 

Thanks Speedo

[speedo101]

Well although I didn't get a reply to my last post I have hopefully filled out the N1 correctly and I am off to file it today.

 

If anyone sees that I have made a glaringly obvious mistake I would apreciate a heads up.

 

Thanks Speedo

[speedo101]

Well I have arrived at filing the claims for the two business accounts one of them was a Ltd company so I have filed the claim in the name of the company as the bank correspondance was always sent to the company secetary. However I am unsure with the other claim whether to mention the name of the company as the correspondance wa always addressed to my husband and I not to the company although the account was in the name of the company. It does not say T/A on the statements just addressed to us but with the name of the company under the account statement heading.

 

Do I need to put on the N1 that I am signing on behalf of the company or that it is me personally making the claim for the non Ltd account.

[speedo101]

Well Lloyds have decided to make a totally unannounced payment of £750 into my account.

Is my best option to accept it as part payment or to tell them to remove it and carry on with my claim

 

Thanks Speedo

[dolly]

Part payment and carry on

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

[speedo101]

HI there

Am I best to wait for a letter from Lloyds or just write straight to them

Thanks Speedo

[GuidoT]

You can wait for the letter if you like, sometimes you do not get one though. I do not think it is that important.

 

This is normal, for some reason it seems to be £750, irrespective of your claim value. Enjoy spending the money and donate a little to this site.

 

Just claim the remaining balance.

[speedo101]

HI there

Lloyds have still not acknowledged the payment that they made into my account at the end of February so I feel it would best to accept this as part payment. My question is who do I send the letter to is it Lloyds or their solicitors that need to be informed

Thanks Speedo

[GuidoT]

You should really inform the court, but I have not. I would not bother for now, I have seen examples where the sum has been paid again by mistake when the entire claim has been settled.