Just a quickie, does time matter?

[pacman69]

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

 

[lucid]

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

 

Good luck. Lucid

[GuidoT]

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.

[Glenn UK]

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

 

JMHO

 

GLenn

[Alasdair]

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.

[upton11]

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

[pacman69]

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

 

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

[lucid]

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

 

Lucid

[GuidoT]

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!

[Glenn UK]

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

[pacman69]

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

[ash95]

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.