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    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
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When should I file with moneyclaim?


johnsacco
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That's the one.

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Hi all, fantastic site which I have been keeping an eye on for the past couple of weeks. Finally sent my DPA info requests for my old Lloyds Bank a/c and credit card (via email). Received the following:

 

Thank you for the e-mails.

 

I acknowledge your request for copies of statements/transactions of your accounts since 2002.

 

Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Service Recovery and I have asked that he notes your requests and responds to you at the earliest opportunity.

 

Regards

 

Keith Boden

Lloyds TSB - Service Recovery

Birmingham

 

Will keep you all posted on [any!] progress. Good luck with your claims, one and all.

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  • 5 weeks later...

Hi all,

 

Wonder if anyone can give me a little advice; I sent my initial DPA request on 3 Mar and have proof of sending/delivery. I enclosed a cheque for £10 with this and also copied the letter direct to LTSB via email.

 

They have just sent me a letter saying that they are happy to send me copy statements, blah blah blah, but I must first send them £10. Obviously they have lost the cheque or are denying that they ever received it. They are also stating that, under the DPA, they have 40 days from date of receiving payment to provided the statements.

 

All seems like underhand delay tactics to me, can anyone with experience advise me please? Many thanks.

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They could just be snowed under in the DPA requests department ATM:D :D

 

I'd send a letter to the address that the letter came from and point out that a cheque was enclosed with the original application and give the cheque numbers.

 

Make sure that you remind them of the original date of the letter and how many days they have got left before you inform the information commissioner of their non-compliance

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As my cheque had not been cashed i cancelled it and wanted to pay cash in the branch.

 

The branch advised today that the amount automaticaly comes out of my account? and if i wnate dto i could put £10 in my own account to cover its deduction.

 

so if you have an account they are just wasting time again.

 

BL

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I paid cash in the branch and demanded a receipt ( signed and stamped copy of my letter from the person who had taken the payment).

They didn't like it and weren't to sure what to do with the £10 but not my problem!

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  • 3 weeks later...

Hi all,

 

I sent the LBA last week, giving Lloyds TSB until 10 May to refund charges or else I would start legal action. Got an email today stating that they did not intend to refund the charges and that this was the bank's final decision on the matter. Should I still wait until the 10th, or do you think that since they have made their "final decision" I am within my rights to file a claim straight away?

 

Any advice would be great. Many thanks.

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I think you are best advised to wait, this shows the court you have given every opportunity for them to settle out of court.

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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It's not a long time to wait - and if (if....!) you do have to defend in court, best to have all you can on your side.

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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