Jump to content


  • Tweets

  • Posts

    • So to sum up. 1.  You & your friend did the right thing on 28 December and are in the right legally. 2.  You are in the early stages of the threatening letter cycle.  We've seen these letters quite literally over 10,000 times.  For the moment your friend has nothing to worry about. 3.  No-one will turn up at your friend's door. 4.  If months down the line this got to court, you would win.  It's blatant disability discrimination.  Some time back I looked through the results of Excel v Caggers court cases, well we won 85% of the time, and you would be 100& certain to win. But this is the bit that you won't like ... 5.  Excel don't care that they are legally in the wrong.  They want your money.  They will go on and on with their letters hoping you'll give in. 6.  They are also the most litigious of the private parking companies and it's perfectly possible, months hence, that they will take your friend to court.  You have to be prepared for this.  They would lose.  But they don't care about the losses since, sadly, presumably so many people are afraid of court and so give in and pay.  7.  We will of course support you all the way!
    • Hi, Just updating that I'll be submitting the SJPN shortly this evening electronically.
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • thank you ftmdave . they sound like tthe lowest of the low ticketing the taxi driver - surprised about that😯 and utterly stupid. would they take into consideration that we take longer than normal on another appeal as i did say that in the original one (that i done for my friend) and (i think it was the isa) they rejected the explanation?
    • thanks, that's what i'm thinkning although heart will be pumping when I get off the plane! Lawyer in dubai says nothing against me and also confirms very rare for bounced security cheques to be raised and escalated to police case unless massive, criminal or corporate.  
  • 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

I'm up on Tuesday!


Robbo9
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6312 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

I've now got all my statements and I've calculated the charges using a spread sheet I found in the library on this site! This spread sheet calculates interest at 8% but a friend who I recomended this site to has found another spread sheet which states that you only claim the 8% if you go to court! Can anyone advise which is correct?

 

I cant wait to send in my spread sheet but there appears to be lots of different advice as to where to send it in to. I sent my origional letter to my Lloyds TSB branch and I received my statements from Swallow House in Birmingham. Any ideas :-?

Link to post
Share on other sites

You can only claim the 8% when you issue proceedings just send the bank a breakdown of the charges date reason amount you add the 8% when you do moneyclaim or on your N1

 

You can send info back to your branch no doubt they will forward it to birmingham

Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

Link to post
Share on other sites

Hi

 

I was unsure as to how to write out the statements of charges, I ended up filling in the spreadsheet and then removed the last 2 columns that add the 8% interest on.

 

hope this helps

 

Stacey

19.7.06 - Statements Received

22.7.06 - Prelims Sent (Recorded Delivery)

24.7.06 - Prelims Received by Halifax

02.8.06 - Standard Customer Complaint Letter Received

05.8.06 - LBA Sent (Recorded Delivery)

09.8.06 - LBA Received By Halifax

19.8.06 - 10% goodwill offer received

19.8.06 - 100% goodwill offer for small claim

Link to post
Share on other sites

  • 2 months later...

I've been unsuccesful with my on line claim (on the last day) and I've now received a defence to the claim at my local court. Should I proceed???

 

I wouldnt care I messed up my claim in the first place cos I was claiming £299 + the 8% but I didnt add the 8% to my total, not realising until I'd submitted the claim.

 

Anyway their defance has 9 points and seems to go on forever, even onto a seperate sheet. I cant list it all here but they say that when I opened the account I knwe that there would be charges and if I'd stayed in credit etc.,

 

I'm woried now that I'm going to be the first person to fail and end up owing them money that I cant afford to pay!

 

Can anyone advise please?:o

Link to post
Share on other sites

I've been unsuccesful with my on line claim (on the last day) and I've now received a defence to the claim at my local court. Should I proceed???

 

I wouldnt care I messed up my claim in the first place cos I was claiming £299 + the 8% but I didnt add the 8% to my total, not realising until I'd submitted the claim.

 

Anyway their defance has 9 points and seems to go on forever, even onto a seperate sheet. I cant list it all here but they say that when I opened the account I knwe that there would be charges and if I'd stayed in credit etc.,

 

I'm woried now that I'm going to be the first person to fail and end up owing them money that I cant afford to pay!

 

Can anyone advise please?:o

 

Hi dont panic which bank is it. Just read the threads and faqs they will help you, a defence on the last day is the norm if you are dealing with Natwest or RBS and cobbetts

Link to post
Share on other sites

Don't worry. It's completely standard that Lloyds have entered a defence and from what I've seen it's always a long defence. Check out some of the threads in the successes forum to reassure yourself that this has happened before and so you know what to expect next.

 

Don't let them panic you though. If you spend some time getting familiar with the next stages of the process then they won't be able to put you off with their next actions.

 

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]

Link to post
Share on other sites

Hi Robbo,

 

Obviously, without seeing the defense in full I can't say for certain - however, it seems that Lloyds have filed the exact same defense that they have for every other claim filed against them. It also sounds as though you've received the same letters and mis-information from them that everyone else has.

 

I suggest you read around various threads in the Lloyds forum. In particular, you should look at the threads in the "Lloyds Successes" forum, as these will more likely than not contain identical copies of the above info.

 

In short, carry on. You will have received an Allocation Questionnaire from the courts along with a copy of Lloyd's defense - you should sign and return this, especially seeing as there is no extra fee to pay for your AQ due to the low amount you're claiming. Additionally, assuming your claim is allocated to the Small Claims track, you will not be liable for their expenses in the remote possibility that you do get sat in front of a judge and do lose.

 

Remember: This is your money they have taken unlawfully. Not quite the same principle, but if your next door neighbour walked into your house and stole your wallet - all on video tape - would you let him get away with it?

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

Thanks fot the quick reply. Its Lloyds TSB. So you think its worth taking them on?

 

YES they have taken your money from you. All you need to do is read the faqs and Lloyds threads. They will pay the full amount in the end. All they are trying to do is scare you. They are hoping that you will capitulate chack out the returned charges survey see how much the have paid out already. Any probs pm me.:D

  • Confused 1
Link to post
Share on other sites

It means send a private message Robbo - click on a user's name and then select 'send a private message' :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

Link to post
Share on other sites

It stands for Private Message. Click on the username and select send a private message. You can then send a message to that user that only they will be able to see.

 

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]

Link to post
Share on other sites

Guys is can I add the interest that I foolishly missed off now or is it too late for that?

 

Should I contact them and suggest that?

 

You can write to the court and inform them you have made a mistake and ask them to change the amount claimed, however how much is the interest? if it is very small i would consider not bothering.

Link to post
Share on other sites

Definitely worth bothering about then.;) I'd follow livelylad's advice and write off asking the Court to amend it. I'm sure it won't be a problem.

 

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]

Link to post
Share on other sites

Thanks lucid. I've just read one of the success stories from LTSB and he got a letter from their solicitors a few days after their defence letter offering full settlement. I guess there is hope yoe but I guess it cant do any harm to write in about the intyerest

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...