Hands2bfree v LloydsTSB

[hands2bfree]

hello. i've been reading through this site for weeks, or so it seems, and just when i think i've got it straight, i'm not sure anymore!!!!! I know I've paid loads in charges.

 

To date i have asked for 6 years worth of statements. and then totalled the sum of charges.

Am i right in thinking my next step is to submit a letter found at this link:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

Any help/comments would be greatly appreciated, especially if accompanied by 'idiot buttons' (lol). I'm not just a newbie, but a technophobe too.

Lou

 

Request for statements 05/01/07

Statments recieved 20/02/07

[miss_squeezy77]

Hi Lou

 

You've got it in one! Proceed with the prelim letter, remember to edit it to your own circumstances. You will probably get a fairly standard 'sorry you're unhappy but we're not going to do anything about it' reply. So, 14 days after sending the prelim letter, move on to the Letter before action.

 

Good luck!

[hands2bfree]

Your wise words are much appreciated

 

thanks again ill procede with that editted letter then.

 

thanks

 

Lou

[hands2bfree]

Need a little help!!

 

after 14 days of the prelimary letter. and i dont have a response, do i automatically send out a LBA?

 

Lou

[skbuncks]

Yep, no need to delay get it in the post.

 

skb

[hands2bfree]

thanks skb

[innocent]

Need a little help!!

 

after 14 days of the prelimary letter. and i dont have a response, do i automatically send out a LBA?

 

Lou

 

 

ABSOLUTELY CONCUR and AGREE with skbucks....

 

Thanks for joing my thread; I have yours

 

Innocent

[hands2bfree]

hi all

 

im confused or rather unsure of what to do now.

 

i have waited 14 days since i sent the LBA, now what do i do?

im assuming i get a N1 form. i found one i can save off the HM court website. do i just fill this in and send it? do i send it to my local court?

 

any hints tips and basically poiting in the right direction would be grand

[mattyb13]

hi hands, just subscribingto your thread.

 

i am at a very simalar stage to you as the 14 days of the LBA has expired.

 

you can pick up an N1 at your local court or do it online through MCOL.

 

good luck.

 

matt

[skbuncks]

hi all

 

im confused or rather unsure of what to do now.

 

i have waited 14 days since i sent the LBA, now what do i do?

im assuming i get a N1 form. i found one i can save off the HM court website. do i just fill this in and send it? do i send it to my local court?

 

any hints tips and basically poiting in the right direction would be grand

 

Hi, yep you need the N1 form from the HM website (N1 form in pdf formate with form filling) a guide to filling it in is here POC N1 Hard Copy Version you need to fill it in and send to your local county court together with the relevant fee (County Court Fees). You can use MCOL instead but its a bit awkward to fill in, the N1 form is far preferable IMO

skb

[hands2bfree]

hi Matt

 

thanks for the info. all new to this so its learn as i go. though the threads are interesting too.

 

i hope your claim goes well and ill keep you posted it will be good to compare progression of claims.

 

Lou

[hands2bfree]

cheers skb

 

thats quite reassuring as after i had posted a response on my thread i had abreif nose around and found the form and info to fill it in. but stil good to see im on the right track. thanks again.

 

Lou

[hands2bfree]

hi matt,

 

just a thought as im currently filling in my form. i get paid on monday ao will submit it then.

 

but was wondering after you sibmitted your LBA did you get any response from Lloyds?

 

Louis

[hands2bfree]

Hi All

 

just a shout out to wonder what i do now i have filled in my N1 form.

i have managed to get some money together for the claim.

but i dont know where i go to file the claim.

 

i live near southend in essex and im not sure what building i need to go to.

 

any help would be greatly appreicated

 

:confused: :confused: :confused:

[BARTY]

Hi

This should help:

http://www.hmcourts-service.gov.uk/HMCSCourtFinder/

 

Good luck with your claim.

Barty:)

[hands2bfree]

Cheers Barty!!

 

i was able to get the location from the link and went down this lunchtime!

claim is now filed i guess i have to wait the 28 days now to see what happens?

 

Lou

[BARTY]

Hi again

They have 14 days from when the claim is served (served about 5 days from today) to acknowledge it, and 28 days from when claim was served to enter a defence. You should receive a letter from the Court when these happen.

Barty:)

[hands2bfree]

thanks Barty,

 

i have just recieved the form completed from the court, do i need to do anything with it now? or just wait the 14 days and if i hear, or not hear from the court within that period then fill in the form?

 

a little confused

 

 

Louis:confused:

[BARTY]

Hi

I think you need to wait the 14 days, see if Lloyds acknowledge your claim. Let us know if they don't acknowledge.

Barty:)

[hands2bfree]

hi and thanks again barty..

 

will keep u updated

[hands2bfree]

Hi all

 

just a question

 

i have just recieved notice that acknowledgement of service has been filed.

 

date of service is the 5th April 2007

 

just confirming what i have to do now?

how do i put together defending paper work etc?

 

cheers

 

Louis

[BARTY]

Hi

OK they now have 28 days from the 5th April to enter a defence. When they do, you will receive a copy of their defence and you may receive an Allocation Questionnaire to fill in (lately the Courts have been dispensing with the AQ so you'll have to wait and see). If you do get one, these links should help you fill it in:

http://www.consumeractiongroup.co.uk/forum/general/57708-draft-order-allocation-questionnaires.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

 

Barty:)

 

[hands2bfree]

thanks again Barty

what would i do without you:D

[Guest ChloeJane]

Barty beat me to it.

 

If you get the allocation questionaire it is fairly simple and straightforward and guides you through how to fill it out.

 

The important parts of the "other information" are that the Judge and court is looking at -

 

What the issue is - unfair charges to your account not disclosed

 

What has you making a claim - seeking costs for their overcharging

 

What reason or belief you have to back up your claim - bank will not justify charges - actual costs v charged costs

 

What you are seeking from the court in a decision - i.e for sums overcharged to be refunded

 

Also put in their any information that the judge could look up or find for further information or reference. i.e any cases won against the bank you are claiming against etc.

 

They do read this part of the form! It gives them a brief overview of what you seek and gives them additional information to back up what you are claiming.

 

 

Good luck Lou.

[sea-sidelady]

Just subscribing...

 

I have just sent for statements for these, so im curious to see how they play it out.