Jump to content


  • Tweets

  • Posts

    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Claim against lloyds with lloyds loan still active


macca1301
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6142 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all have checked my bank statements going back four years and have been charged over four grand. Would like to claim it back but concerned as I have still got a loan with them and don't want them to cancel my loan and give me a default. any advice gratefully appreciated

Link to post
Share on other sites

Hi and Welcome!:)

As far as I know a loan is a seperate agreement to your bank account, so they are not allowed to call your loan in.

Go for it, it's your money!;)

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:)

Link to post
Share on other sites

  • 3 months later...

Hi Folks....LLoyds TSB are totally **** They have messed up everything I have asked them to do. Messed up mortgage...took loan out twice...send threatening letters which imo border on harrassment..... I have frozen overdraft with them at - 690.00 and use a different bank now and had no problems. but i want my charges to pay what i owe them. Just took it to court so will see how we go...........keep me posted.

L

Link to post
Share on other sites

Hi all have checked my bank statements going back four years and have been charged over four grand. Would like to claim it back but concerned as I have still got a loan with them and don't want them to cancel my loan and give me a default. any advice gratefully appreciated

 

If you are still making regular loan repayments and are not in arrears then this can in no way be an issue.

Link to post
Share on other sites

I'm getting a bit worried about the same thing. Slightly different as I had to go on a payment plan for a while due to suddenly being on a very low income. At the time I was given the impression that this just meant my agreement would continue for longer. However, a while ago I went back to paying the full original payment amount, but now find they're saying that the account is in arrears due to the lowered repayments for a while.

 

The arrears are basically what they owe me in charges. I'd already intended to use half the money to pay some off my credit card (though will prob use it for the loan no) but the thing is, I really can't afford to lose all that money (and it will be lost to all intents and purposes).

 

Hmmm

Link to post
Share on other sites

No i am in the same position as yourself have been on a reduced payment plan have been told that they will refinance the arears but have to make full payments for six months like yourself the amount I am owed in charges is pretty much how much i owe in arrears now but obviously cant afford the bank to call in my loan.

Link to post
Share on other sites

Absolutely. Though, tbh, it doesn't concern me quite so much that they might call in the loan altogether because, as I understand it, you can argue that this was in retaliation to your claim, and therefore unreasonable and not allowed (I think? Any opinions...?). I would be very upset though if they paid my money then straight away snapped it up for the loan, saying "thanks very much, all up-to-date now, just keep making monthly payments...blah blah blah." Even if they did that and I was able to fight to get it back, I can see it being yet another long, drawn out process.

 

I think I'm going to say I want payment by cheque, so I can pay it into my other a/c, then I decide how much they see of it.

 

How long were you on a payment plan for, if you don't mind me asking? It's just that they haven't said anything to me about re-financing the loan.

 

WM x

Link to post
Share on other sites

this looks like the thread i need advice from.

i had loan account and current account with lloyds. they defaulted both due to changes in circumstances;they added the two debts together making one repayment; however the current account debt was all charges and interest levied against charges, they have just paid back after my claim. however obviously with them adding this onto the loan some years agao, this has increased my loan and repayment time, as well as no doubt gaining more interest. is their a way forward ???

Link to post
Share on other sites

Hi, I'm in a similar situation, I'm considering claiming back the charges for my Lloyd's current account, but I also have a loan with them.

 

I was concerned that the loan had a requirement the repayments came from a Lloyd's account. I can't find a copy of the original agreement to check the terms, but I seem to remember seeing on the website somewhere, that this is the case? Has anyone heard of this before? Did I misread it, or are they being economical with the facts?

 

I understand that if it's a separate agreement, it cannot be closed unless it's in default, which it's not and never has been. However, if the requirement above is correct and they closed my current account in retaliation (which they can't?), then that would give them grounds to close the loan?

 

I have a "Platinum Plus" Account and a "LTSB Personal Loan".

 

Andy.

Link to post
Share on other sites

hi. im in same situation as you guys. i hvae a refinancing loan with lltsb, plus a current account. i have opened a new account elsewhere, which my wages go into each month, but put money into my LLoyds account to cover the loan each month. im am in the process at the moment of draffting up the second letter, requesting my charges be paid back to me (the prelim letter).

Link to post
Share on other sites

  • 4 weeks later...

Hi

Hi, im in same situation as you guys. I also have a refinancing loan with ltsb, plus a current account.

 

I sent my first letter requesting copy bank statements on 7th March, I then received these on 3rd April. I then sent my second letter requesting they pay back charges of £684. On 19th April I received a ltsb standard letter saying I had no chance. I then wrote a third letter on 25th April again requesting they pay back the charges, but no responce. So, I wrote a fourth letter on 24th May stating they have 14 days to respond or i'll proceed through the courts.

 

To date I have not received a reply to either of my last two letters. I have tried calling the number stated at the ltsb recovery centre only to get a recorded message.

 

What shall I do next??? Please help!!

Link to post
Share on other sites

my partner is in same position case is to be heard on the 28th june at leeds mercatile court havent heard naything from lloyds reguarding claim yet ! proceed as normal my friend

Link to post
Share on other sites

  • 1 month later...

hi

i am in the same situation, have sent all the letters to lloyds and heard nothing, and am in the process of making a court claim, but i have a loan with them and have been on a reduced payment plan and have to pay the full amount back for 6 months so i can get my account back, but this has left me in arrears with my loan so was worried if i claimed they would take the money straight off me

Link to post
Share on other sites

I sent the final letter off to LLoyds end of May (not got a court date) and they have just paid a standard amount into my current account, I also was on a payment plan with my credit card and loan. They have not taken the money out of my account to clear any funds but I would not keep it in there, as when the statement date comes around they could take it all.

Link to post
Share on other sites

Hi everyone,

Hope you don't mind me putting a wee word in here. I also had a loan with lloyds and the payment came out of my account. When I started to claim my charges back last August I refused to pay my loan because the payment came out of my account and I was £170 overdrawn (made up of charges) as my loan payment was for £140. every penny I would have paid in would have went to the charges. I refused to pay the loan, and lloyds would not take the payment any other way.

By the time that I had won at court for my charges my original overdraft was up to £604. because they continued to go into my account twice a month for payments, which I refused to pay.

When I finally got my money which was over £2,500 they paid the money into my account that was overdrawn and therefore they got their charges back.

Because my loan was by this time about 4 months overdue, when I went to the bank on the Friday afternoon the bank did not want to pay me but unfortunately for them I had 2 decrees against them and they could not refuse. What the woman kept saying is that your loan is in arrears and I just told them that this was a completly different account and to pay me my money. I eventually got out the bank with my money at 5.15.

I think what you will find is that if you owe them money at all they will try and offset your charges against any thing you owe them.

As for asking for a cheque they just flately refused to give me one and just put the money into my account. The only way you would get round that is to close your account so they can't put the money into your account.

To Andylondon, when I was having all this bother with my account I asked if I had to pay my loan through my account, and I was told no you can pay your loan over the counter at any lloyds branch.

 

I hope this helps anybody in any way

 

Eileen

Link to post
Share on other sites

  • 4 weeks later...

Hiya just found your posts.. so many..

 

I am reduced payments now 2 years and have experienced every underhanded move Lloyd's could pull.

 

Taking full contractual payments when ever they wished and some times twice a month and with the reduced payment along side them, juggling interest rates. Not holding the accounts when in dispute.

 

It has gone on so long I am now with a solicitor as there is a possibility there was some manual abuse on my account for an employee to gain financial bonus in the collections center.

 

I have 2 letters stating they will no longer remove money from my account and yet it still happens again and again.

 

You can cancel your direct debit for your loans but you will need to do this in branch, if they refuse, do it on Internet banking. Still pay by cheque the monthly reduced amount do not fall behind in your new agreement. Send your cheque with a letter stating your cancellation action and the dates the cheque is to cover. You do not have the option of letter covering cheque if you pay by cash over the counter.

 

Also if the abuse continues do not have any money paid into your account move it to a building society for the time being, when you come to highlighting the actions on your accounts all you will see is Lloyd's own and it makes life sooo much easier.

 

Your direct debit guarantee states you can cancel at anytime and it does not state it is different if the Direct Debit is to the person who you have the Loan with.

 

Lloyd's are disgusting when it comes to a crisis, expect no respite....

 

Kick back twice as hard, In my S.A.R - (Subject Access Request) I found mistakes and now it seems with the help of my solicitor, including Compensation for the removal of the funds from my accounts, Both my loans will be written off or repaid with correcting balances before i am returning to work.

 

Lloyd's bring this action on them selves, if i had been treated with some fairness when i became ill, I would still have both loans paying reduced amounts and none the wiser to any of my rights and their mistakes.

 

Just remember you may be ill at this time, but that doesn't mean you don't have rights.;)

 

F

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...