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    • Ah I see what you mean. That is unfortunate, but guess there's little I can do then. Thanks very much for your help!
    • OK I sent CCA request on Monday 7/6 recorded delivery with a postal order uncrossed with £1 stating on the back that it didn't go towards any alleged debt.   Wednesday 9/6, received the postal order back from Arrow with a cover letter saying they no longer charge a fee and 'we will respond as soon as we can'   Then on Friday 11/6 morning a letter dated the 10th (they said if we didn't hear back from you by the 11th) I got a letter of claim from Drydens saying 'if you do not provide proposals to repay, legal action may be issued in the county court'.  Along with 'you have 30 days to respond'. Attached is a printout of an income and expenditure sheet.
    • Your attachment was viewable in your first post.   Does the issue you mention with the wallpaper/slight stain really constitute a breach ?  Is it significant enough ?   The wallpaper was probably applied before the wall was properly dry.  But the other possibility, is that the tenants did not open windows regularly to ventilate the room.  It is important for windows to be opened or put into a vent position on a regular basis, to ensure that moisture is allowed out.   If the tenant had clothes drying in the house, with baths/showers being used etc, this may have helped cause the wallpaper peeling  and the damp stain.   Today has been a lovely Summer day in many parts of the UK, so the tenants may not be as quick to respond.  Same issue with replies to this site, so you might get other responses later.   The tenant is unlikely to try to pursue you for the matress or health issue they say is caused by a damp issue.  Unlikely to have sufficient evidence and their own actions may be the cause.   They are most likely deciding whether to complete work in the garden or not.   You are within your rights to hold onto the deposit for now, until the reasonable request to return property to pre let condition is completed.    
    • Oh Yorky, I'm so sorry you're still having trouble with your dad's hospital.   I can't believe they are still being so awkward, I sometimes think they (companies in general, not just hospitals) forget that we put ourselves through this stress and worry not because we want to, or even because we have to, but because we want what's best for our loved ones.   Their advice for you to deliver the form in person is at odds with the advice on their own website stating that visits have been suspended due to Covid. I mean, I would understand if someone wanted you to drop off clothes for your dad, but a piece of paper? Which could end up anywhere? That's... crazy.   I don't know if the following link is worth a try or whether you've been down this road, but the hospital website has details of all the consultants Consultants | North Tees and Hartlepool NHS Foundation Trust WWW.NTH.NHS.UK If you want to find out details of our hospital consultants and contact information you can search for them in our A-Z. obviously you'll know your dad's consultant name, but the phone numbers on there, are they ward ones that you've tried before or do they look different?   That said, even if you are more successful with that, definitely still get PALS and as much senior management on board as you can with a formal complaint. You shouldn't have to go to such lengths to get hold of the right people and for the right information, especially at such a stressful time.   You point out that you remember you're doing this for your brother and your dad, which is the best approach. I'm sure they, in their own way, know that you are pushing yourself and pushing the hospital for an outcome as you are is because of them.   I know it's easy for someone on the internet to say "look after yourself", "do this to help with stress" etc, but if you do feel you need extra help with dealing with your stress/worry, please don't be afraid to seek help from a doctor yourself. A "well" you is the best sort of support for your dad and brother.   I wish I could offer more support and I'm sure that if anyone else of the CAG community has any other suggestions, I'm sure they will come here and let you know.  
    • Ok update.  I have spent the last week or two, trying to get help from the Staff Nurses and Matron, regarding the Consultant or someone to have my dads lack of capacity documented, either their own paperwork or me sending COP3. I   they have informed the consultant looking after my dad, who at this moment is sounding very ill, with medical issues on top of delirium and confusion, he is apparently having blood transfusion bag things. not eating and drinking. I have even spoken to the consultants secretary to explain the urgent matter and to have the consultant contact over the last few days WITHOUT SUCCESS, conversion ended today with its a legal form can I take it into hospital personally, er..I dont drive and Im in Northampton, Hospital is Stockton on Tees.    the nurses cant help need to speak to consultant!!!!!!! conversation ended with well I will complain to PALS, GMC secretary of Health or whoever......reply was looks like it then?   I have just compiled a 3 page letter [well e mail one] sent to PALS, I will follow up with a written one and to whoever else I can contact.   I need this medical form before I can do anything else with court or appointee   anyone have any ideas cos Im now at my gasping point, wondering why the hell am I taking on all this stress and worry, then I think of my younger brother, and that reminds me why I am doing it and doing it for.
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Been a long time since I visited this site, had a lot to do lately and sort of forgot / put off about my claim against Lloyds TSB.

 

The basics,

 

I got up too and sent the LBA letter and got a response saying thank you blah blah blah and we can't do a thing. However the letter stated that if nothing else was received within 6 months Lloyds would consider the matter closed.

 

It has been over 6 months now, is this statement by Lloyds valid ???????

 

Can I go straight to court application or do I need to do everything again???

 

Thanks in advance

 

:)

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It might be a good idea to start again - it's only an extra 28 days in total.

 

Good luck. Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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I would only do the LBA again and refer back to your and their previous letters, if you do not want to wait a month. Add in all your latest charges to your schedule, if appropriate.

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

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I think you have to be seen to be reasonable, id start again

 

JMHO

 

GLenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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If it was a creditor collecting from you such as council tax then I don't think they would resend another LBA as it only states you will proceed unless they settle your claim in two weeks without limiting your actions beyond that date.

 

However it might be a good idea to restart again although that in itself may suggest to the people at the other end that they can put you of by delaying you since you have previously made these claims.

 

Maybe another more legally expert beagle could chime in but for myself unless for procedural & legal reasons I would simply proceed on the basis they have already been provided with an LBA.

Alasdair

 

LloydsTSB - Settled unconditionally

 

 

If this site has helped you pleas donate so that it can keep helping people.

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Hi pacman69,

 

Strictly speaking you would not have to send another LBA. However, why not go down the middle, send a fresh one as per Guido, but this time only allow 7 days. You could then use the 7 days to get your claim form in tip top condition. Time spent preparing is never wasted, but do move soon as Lloyds seem to be settling some claims around the AQ stage and you may benefit. One claim recently settled before the AQ stage.

 

Paula

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Something funny here, just tried to see if I had anymore charges since the LBA none, thank god but when I search back through Lloyds online banking all the charges on my statements have dissapeared :confused:

 

Got all my paper statements still so will double check but the speadsheet I made with dates of charges doesn't match according to the online stuff, no charge on any account since 2002, now I'm sure i'm claiming £1300 worth

 

Help:o

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At least you've got all of the paper statements to check. ;) It'll be interesting to see what's going on though.

 

Lucid :)

Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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By time you have worked out all the different permutations for starting again and we have finished debating the point, the 28 days will be up!

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

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If you think sending out letters six months before starting a claim in court is fine go ahead.

 

The argument about what a DCA (edit Even) may or may not do is irrelevant, it wont be them stood before the judge.

 

We should all remember that we are learning to play this game, the banks lawyers on the other hand have some experience.

 

They will exploit every possible angle to get your claim chucked out, for most of us, we haven't even begun to notice the angles.

 

28 days is a small price to pay for the comfort of knowing they can attack your claim on that basis.

 

Your choice.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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I'm going to go back to request for repayment (2) then see, I take all your points about not giving them anymore ammo than neccesary :)

 

Going to give it another go from start

 

Also going to sart on Natwest in the morning :D

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hi, i am more or less in the same position as you, but am not sure what to do now. send a revised schedule or go straight for MCOL? Keep us posted how you get on. Good luck.

A&L MCOL Filed 10.09.06

A&L Settled in full 21.09.06 £1567.35

 

Lloyds Credit Card MCOL Filed 30.01.07

MCOL Issued 31.01.07

MCOL Judgement started 21.02.07

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