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    • I apologise if I was being unclear. Where it currently stands is that they will have it repair, placing scaffolding in our garden for 5 days. They have moved fast, but we will still have to postpone our contractors, meaning, we won't necessarily have the work done in time for the wedding and therefore will incur additional expenses for either a marquee or a wedding venue. They are vehemently against having any kind of liability in any regard but continue repeating that they are legally entitled to use our garden for their repairs (I believe this is true unless the work can be carried out using a cherry picker). The neighbour seems either indifferent or oblivious to the fact they can't reach all of the side of the roof from the space where they can place the scaffolding. They have asked their roofer of choice about using a cherry picker but the roofer has said it wasn't possible. It's not clear whether the roofer doesn't want to use a cherry picker or whether there is an issue with it. They have told us it is a problem that we are installing a gazebo as it will prevent them to access their roof from our garden in the future?!?  
    • Couldn't agree more, really wanted a true ruling on this just for the knowledge but pretty sure the Judge made some decisions today that he didn't need to?.. maybe they all go this way on the day? We hear back so few post court dates I'm not sure. Each Judge has some level of discretion. Their sol was another Junior not even working at their Firm, so couldn't speak directly for them! that was fortunate I think because if she would have rejected in court better, she might have  been able to force ruling, we are at that point!, everybody there!!, Judge basically said openly that he can see everything for Judgement!!!  but she just said "I can speak to the claimant and find out!" - creating the opportunity for me to accept. I really think the Judge did me a favor today by saying it without saying it. Knowing the rep for the sol couldn't really speak to the idea in the moment. Been to court twice in a fortnight, on both occasions heard 4 times with others and both of my claims, the clerk mention to one or both parties "Letting the Judge know if you want to have a quick chat with each other"! So, it appears there's an expectation of the court that there is one last attempt at settling before going through the door. So, not a Sol tactic, just Court process!. Judge was not happy we hadn't tried to settle outside! We couldn't because she went to the loo and the Judge called us in 10 minutes early! - another reason to stand down to allow that conv to happen. Stars aligned there for me I think. But yeh, if the sol themselves, or someone who can make decisions on the case were in court, I would have received a Judgement against today I think. She was an 'advocate'.. if I recall her intro to me correctly.. So verbal arguments can throw spanners in Court because Plinks dogs outsource their work and send a Junior advocate.
    • that was a good saving on an £8k debt dx
    • Find out how the UK general elections works, how to register to vote, and what to do on voting day.View the full article
    • "We suffer more in imagination than in reality" - really pleased this all happened. Settled by TO, full amount save as to costs and without interest claimed. I consider this a success but feel free to move this thread to wherever it's appropriate. I say it's a success because when I started this journey I was in a position of looking to pay interest on all these accounts, allowing them to default stopped that and so even though I am paying the full amount, it is without a doubt reduced from my position 3 years ago and I feel knowing this outcome was possible, happy to gotten this far, defended myself in person and left with a loan with terms I could only dream of, written into law as interest free! I will make better decisions in the future on other accounts, knowing key stages of this whole process. We had the opportunity to speak in court, Judge (feels like just before a ruling) was clear in such that he 'had all the relevant paperwork to make a judgement'. He wasn't pleased I hadn't settled before Court.. but then stated due to WS and verbal arguments on why I haven't settled, from my WS conclusion as follows: "11. The Defendant was not given ample evidence to prove the debt and therefore was not required to enter settlement negotiations. Should the debt be proved in the future, the Defendant is willing to enter such negotiations with the Claimant. "  He offered to stand down the case to give us chance to settle and that that was for my benefit specifically - their Sols didn't want to, he asked me whether I wanted to proceed to judgement or be given the opportunity to settle. Naturally, I snapped his hand off and we entered negotiations (took about 45 minutes). He added I should get legal advice for matters such as these. They were unwilling to agree to a TO unless it was full amount claimed, plus costs, plus interest. Which I rejected as I felt that was unfair in light of the circumstances and the judges comments, I then countered with full amount minus all costs and interest over 84 months. They accepted that. I believe the Judge wouldn't have been happy if they didn't accept a payment plan for the full amount, at this late stage. The judge was very impressed by my articulate defence and WS (Thanks CAG!) he respected that I was wiling to engage with the process but commented only I  can know whether this debt is mine, but stated that Civil cases were based on balance of probabilities, not without shadow of a doubt, and all he needs to determine is whether the account existed. Verbal arguments aside; he has enough evidence in paperwork for that. He clarified that a copy of a DN and NOA is sufficient proof based on balance of probabilities that they were served. I still disagree, but hey, I'm just me.. It's definitely not strict proof as basically I have to prove the negative (I didn't receive them/they were not served), which is impossible. Overall, a great result I think! BT  
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Pagsie vrs Lloyds


Pagsie
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Thanks

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Dear all.

Having been a successful bank charge claimer thought i would help my fella. The down side is that the Lloyds TSB bank are putting up a fight rather than paying up, unlike my bank.

Have taken it as far as the small claims court and today we have just recieved a Acknowledgment of service and they have ticked the box " i intend to defend all of this claim" do i now need to start getting him preped for a court appearace?:( Has anyone else had this problem with the above mentioned bank? Have defo been doing research with regards to going to court. Think i will sit tight and hope that the bank do not file a defence within the next 25 days.

Would be happy to hear from anyone else who has been in similar situation!!:oops::???:

Pagsie

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This bank is not as good as the Halifax(easy pay up bank), They will more than likely Defend, meaning you could get a Allocation Questionnaire, I think this is for us to stop our claims, coz this form does look a little scarey, But its not, its pretty straight forward, & if you are stuck on filling it in, put a search (at the top of the page) for AQ & you will find loads of help with it. Im at the AQ stage, my forms all filled in going to drop it off at the Court in the morning then wait to see what happens, I will be putting a thread together very soon, so try & check it over to see what happens

 

Good Luck

Angi x

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Good Luck with Your Claim

 

Angi x

 

 

:) If I have been of any help, please click the Scales of 'Justice' in the botton left corner. ;) Thanks

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Thanks Angi

I have come across something interesting as well, apparently there is an audio interview with the Head of TSB think it dates back to 2002, in which he himself actually states that the bank charges ARE overflated(like we didnt know that eh!) and you can also submit that as evidence to the court but you do have to inform the bank as well as the court that you are submitting this evidence.The down side is i have no idea where this audio interview can be obtained. Wil be really interested in how you get on Angi, please keep me updated.

Pagsie x

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  • 3 weeks later...

HELP!!!!! What should we do next? Have now entered judgment with regards to TSB not following through to defend the claim we made against them in small claims court. Have recieived no paperwork such as the Allocation Questionnaire which we were expecting especially as TSB do have a reputation to be awkward and usually defend there cases. So what now??

Has anyone been in a similar situation?

Would be happy to hear of ya

 

Best wishes

Pagsie:p

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Hi Pagsie,

 

Have a look in the Lloyds TSB Success Forum, bound to be something in there of interest to you.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

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Help keep it up and active, helping people like you.

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  • 1 month later...

Guys again in need of a bit of advice pleeeaassseee!!!!!!

STILL fighting the Lloyds TSB for bank charges. Has gone as far as going to the local County Court(allocation questionaire completed) and a further £100 paid as Lloyds decided to defend the case!! why are they SO awkward anyway District Judge at Colchester considered the papers and quote ordered that Transfer to Southend County Court and refer to a different District Judge for allocation and case management with other similar cases proceeding in Essex. Because this order has been made by the court without considering reps from the parties, the parties have the right to apply to have the order set aside,varied or stayed. A party wishing to make an application must sent or deliver the application to the court (together with any appropriate fee) to arrive within 7 days of this service order. That was decided on the 19th Feb however, the letter attached along with that desion was dated 28th Feb by the court which even if we had wanted to make an application we had no idea when it had occured and missed the dead line.!!! The courts are not helping. ANYWAY The case has been stayed until the 5th April. No time or anything has been stated do we attend this it does say that the District Judge Dudley in boxwork whatever that means. Also have complied a case file thanks to this absolutley brilliant forum do i need to forward that on for the district judges attention? Do kinda feel a little out of depth here reclaiming my bank charges from the co-op was a lot easier. Also one more quick question, if the OFT do decided to lower the bank charges and not investigate, does this mean that the bank will only offer a % of the charges now, seeing how we have come this far? and can we claim the £100 that was paid with submission of the allocation questionnaire in with the charges?

I would be very appreciative if someone could give me some guidance as to what to do next or if there is anything i could do to help us win this case.

I look forward to a swift response

L8rs taters

Pagsie

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See here:

GOT A COURT DATE? A guide to the later stages

 

 

Also one more quick question, if the OFT do decided to lower the bank charges and not investigate, does this mean that the bank will only offer a % of the charges now, seeing how we have come this far?
No, won't make any difference

 

 

and can we claim the £100 that was paid with submission of the allocation
Yes it will automatically be added to your claim
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