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Shields v Lloydstsb


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Hi All

 

Fab site! Sent DPA letter, with cheque, yesterday (9.5.06) so clock is now ticking! Will keep you posted. Cheers. Angie

 

p.s. just looked at bank account online and seen that yet again direct debits have been bounced because of yet more bank charges - feel we are just working to pay charges at the moment!

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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Good luck...keep us posted.

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks!

 

Have today opened up basic bank accounts, with no credit facilities, with another bank - just in case we have to use them! Tried opening a Smile account first but was turned down because of 'free' overdraft facility (which we didn't want anyway). No doubt Smile will now show up on my credit details.

 

So, now I know not to apply for anything with credit facilities, but to keep it simple. Mind you, I haven't perused the new accounts policies yet....

 

Angie

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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  • 2 weeks later...

Have today (24.5.06) sent two letters - one for joint account and one for my current account, asking for refund

 

Joint Acc: £590.00 + int £163.84 = £753.84

 

Current: £625.00 + int £13.37 = £638.37

 

 

Hope it's ok to use this thread for both accounts. Thanks. Angie

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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  • 1 month later...

Update: Just waiting to get my hands on £120 for the court fees.

 

Lloyds have charged me £315 for returned direct debits this month (which were caused by bank charges last month). Not a happy bunny!

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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  • 1 month later...

Judgement entered against Lloyds on 8th August 2006 for £1902 as Lloyds didn't enter a defence. Spoke to Ms Siddique at Colmore Row today and she says it is being handled by their solicitor and will take eight weeks to process! I thought that if judgement is entered against them, then they have to pay up - am I wrong? I've been reading through some threads, but can't get my head around it. Have I won? What do I do now? I gather the next step is Enforcement action - can I do this with Moneyclaim?

 

any help much appreciated. Thanks.

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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Bingo, Anjie! You've won!!:D

 

LTSB have clearly messed up. As judgement was entered on 8th August, they had better hurry up obtaining a setaside, or you will be able to enforce judgement, which could ultimately mean sending in the bailiffs!!

 

However, they will realise their mistake, when somebody reads the judgement notice which will have been sent to them. (Or maybe they won't!)

 

You might like to ring the sols and invite them to settle in full now, to avoid the embarrassment their clients would face if they don't.

 

Or you might not!:D

 

Elsinore

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Many thanks indeed. Do I have to wait a certain time before I take enforcement action? The moneyclaim site seems to say I can do it now (for £55) and I think I've given them enough time!

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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Well, you posted your good news on 17th, so I guess that means you received notification from the court round about then. LTSB (sols) will have received their notification at the same time. Allowing for the bad news to sink in, LTSB (sols) should have thought about writing you a cheque by now. But, seeing that they fouled up on the case management, why should you expect them to suddenly start getting it right?

 

I would wait until say Wednesday for a cheque to appear, after which you would be quite entitled to apply for judgement to be enforced. That will take a few days to happen, anyway. If you incur further cost, LTSB must add that to the settlement.

 

Sounds to me like you have decided to go for the jugular!! If so, you might like to tell Dave, I suspect that he will be interested in the publicity aspect!!

 

Elsinore

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Many thanks for the advice. I've sent them an email and rang customer care giving them until the close of business tomorrow (25.8.06) to reimburse us the money or we will launch enforcement action. As we gave them a month before requesting judgement, and have given them over two weeks to repay us, I think that's plenty of time. Looks like we're sending the bailiff's in! How do I bring this to Dave's attention? Cheers.

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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hi, sorry to bother you. i did as the first letter stated and sent off for my statements to the Data Protection Commissioner for lloyds at 25 gresham st london ec2v 7hn recorded delivery on 21 aug but as yet it has not been signed for, could anyone advise as the one i sent to natwest was there next day, i dont know if the lloyds is an address no longer in use?

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No probs.

 

The address for Lloyds is:

Customer Service Recovery Centre

125 Colmore Row

Birmingham

B3 3SF

 

I don't know if the london address is current or not.

 

Good luck!

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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Did that, Elsinore, but Dave isn't accepting pm's at the mo. I can get it into the local press but I wouldn't imagine the national. Do you possibly know of any other threads where the person is in the same situation as me?

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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Been in the chatroom and there is a question mark over not only whether I've 'won' as Lloyds may be able to get this set aside, but also whether the Colmore Row address was the right address to issue the claim against. As all correspondence was with them, that's the address I put on the court form. Should I have put the account holding branch (although they moved the files themselves to another branch and I myself have moved out of the area)?

 

Put the champagne back in the fridge for the mo!

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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Whatever your account holding branch is address now, normally has it on your statements, it's tied into your sort code. Go into any LLoyds TSB, give them your sort code and account number and ask for the address of your account holding branch.

 

Otherwise you may have to issue again using the registered office.

Lloyds TSB - Information about us

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I see - one of my accounts is held at Orpington, the other at Bromley, but I claimed for the charges on both of them together. The address i used on the court form was for customer service recovery centre where the (countless) letters disputing my demands came from and all phone calls are directed to. On balance, I'm thinking the address may not be important - hey it's still the same company! Although I was looking forward to my local bank manager having his office stripped by the bailiffs!

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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Well, enforcement action was entered by me on 26.8.06 - will now just have to wait to see what happens! I gave them until the close of business 25.8 to refund and they haven't done so. I also rang them a few times to give them the opportunity to sort this out but was continually told that the matter was with their solicitors and I couldn't speak to them as they are 'in-house'.

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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  • 3 weeks later...

Having a nightmare here! Although 'won' through Moneyclaim Online and despite launching enforcement action, still no payment has been received. Lloyds sent me a letter dated 30th August threatening to issue a Default Notice after ten days if arrears payment not received. I sent a Data Subject Notice, and also explained that Lloyds owes me nearly £2000 (so in effect Lloyds owes Lloyds!). Have now received a Default Notice dated 6.9.06, giving me until 15.9 to pay the arrears (which consist entirely of charges!).

 

Any ideas??

Angie

 

Claim issued 7.7.06

Judgement entered against LTSB 8.8.06

Enforcement action issued 29.8.06

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I sent a Data Subject Notice, and also explained that Lloyds owes me nearly £2000 (so in effect Lloyds owes Lloyds!). Have now received a Default Notice dated 6.9.06, giving me until 15.9 to pay the arrears (which consist entirely of charges!).

 

Is this a different account from the one for which you have obtained judgement?

 

Elsinore

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yes sorry if I have confused this but this is the first time I have posted on the site. I wanted advice on how to you apply for judgement for my case with barclays bank. I have issued them with a court claim and if I win by default after 14 days I need to apply for judgement but I don't know what this is and cant find any info on it on the site. I thought Shields may be able to advise.

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