matt v lloyds ****WON!!!****

[mattyb13]

yeah, i know. thanks dolly the only problem is my printer is knackered at the moment. its a real pain because all my letters i have to email to work or to my parents so i can print them off and to make it worse my parents are on dial up:rolleyes:

[mattyb13]

right collected a N1 form from the court and im filling it in.

 

for the POC to I just copy and paste it from the templates section and just add my account no and other details and print it out and attach it or do I actually write it onto the form?

 

Do i attach an upto date schedule of charges,if so is it 3 copies?

 

Do I have to send lloyds a copy or do the courts send it?

 

And 1 more when it comes to totaling up what im claiming, the 0.00022% daily interest is that on the charges or the complete total ie charges + 8% interest + costs .

 

 

thanks.

 

matt

[happyolddog]

Hi Matt,

 

send a copy of the linked letter with a total of charges involved.dont yet send the spreadsheet that is for your court bundle,but do start preparing it.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

The court will inform Lloyds so you don't need to.

 

At this stage do not include the interest, that is to be calculated when you go to court.

 

Good Luck.

Happyolddog.

 

Ps. told you I would take a look at your thread.

[mattyb13]

thanks happy.

 

As it happens I received some missing data today. they didnt send me statements though they sent lists of charges and thats it.

 

Will these lists of charges be suitable to use as evidence when it comes to preparing court bundles as from what Ive read it says to include statements.

[happyolddog]

Hi matty,

 

Lucky matt, I wish my bank had done the same.Saves a lot of highlighter pens. yes they are a suitable source of evidence, as the banks are not permitted to lie.(even though on whistleblower tonight it is proved they do)

 

Good luck,

happyolddog.

[mattyb13]

filed for court yesterday and it felt good. thanks to everyone so far for the advice and im sure i will be asking again in the coming weeks.

 

good luck all.

 

matt

[mattyb13]

still havent heard anything from the courts or lloyds yet and its been 10 days is this normal???

[minx_xxx]

Hi MattyB

 

I received acknowledgement and defence together 14 days after filing my claim, but it does vary.

They should at least acknowledge the claim within 14 days.

 

Good luck with your claim

 

Jen

xxx

[mattyb13]

received letter from courts this morning and it was deemed served on 25th march

[minx_xxx]

The ball is well and truely rolling now then

Good luck with your claim keep us posted how you get on

You should get an acknowledgement by 08.04.07

 

jen

xxx

[mattyb13]

Lloyds were supposed to acknowledge the claim by yesterday but ive heard nothing. the postman has just turned up and still nothing.

[mattyb13]

Lloyds were supposed to acknowledge my claim by the 10th April but Ive heard nothing. Is it worth ringing the court to see if they have heard from them??

[bennyowen]

That's correct.

Ring the court to know if the defendant has submitted any defence to your claim.

[mattyb13]

Rang the court and they have nothing on their file. The guy said they were a little behind and i should either wait until next week and try again or ask for a judgement to be entered.

 

I dont really want to enter a judgement yet as they will probably ask for it to be set aside, I think I will call back on Monday and ask again.

 

If anyone has any different veiws I would be glad to hear them.

 

thanks.

 

matt.

[bennyowen]

I think it will be a good idea to wait until Monday allowing enough time for their defence to come through the backlog. After Monday, if the situation remain the same, then judgment by default would be the next obvious thing.

[mattyb13]

still not a peep from lloyds 9 days since they shouldve acknoweledged my claim. If I ask for a judgement now and lloyds ask for it to be set aside will it delay things?? is it worth sending a letter to lloyds telling them to pull their finger out??

[nicsussex]

I would go for a judgement - won't do any harm and won't delay anything. Will just make them look even worse in the eyes of the judge.

[GuidoT]

Which address did you use, the Gresham one?

[mattyb13]

Thanks nic, i think i will pop down tomorrow and make 1 last check to see if they havent got it and then go for a judgememt.

 

 

Yes GuidoT, I used the 25 Gresham St address

[GuidoT]

Sometimes they do not respond when you file at Andover or the non registered office address, but clearly you have served at the correct address. Although I am sure you are aware, you can phone the court.

 

If Lloyds have still not acknowledged then you can fill in the Request for Judgement which is in the lower half of the Notice of Issue. However read this first:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/48946-curli-lloyds-tsb.html#post572354

[mattyb13]

Received acknowledgement today dated 5th april. Its taken the court 3 weeks to get it to me.

 

LLoyds had until 24th to file a defence.

 

I have read on a few threads that lloyds had been using some different solicitors. I have been lucky and got the delightful bunch from [problem]:rolleyes:

[nicsussex]

SC&M are at least predictable - we are all fully aware of their tactics - only one importnat word to remember - PATIENCE

[mattyb13]

Received the famous 9 point defence today served on the 10th april.

 

Got a letter enclosed from the court saying that the file has been referred to the district judge for directions, these directions will be forwarded in due course.

 

I take it that means the AQ.

 

Really feel like im getting somewhere now.

 

Just 1 quick question in [problem]'s defence they mention about contract with them, as I opened the account when I was 12 surely I cant agree to a contract???

[Just Frugal]

hi mattyb13,

 

if i were you i'd call your court to check with them. I got the same short letter today from the county court in worcester and when I phoned them they said I was not going to get an AQ. As such I'll be sending in the draft order for directions in as a suggestion to the judge.

[GuidoT]

Received the famous 9 point defence today served on the 10th april.

 

Got a letter enclosed from the court saying that the file has been referred to the district judge for directions, these directions will be forwarded in due course.

 

I take it that means the AQ.

 

Really feel like im getting somewhere now.

 

Just 1 quick question in [problem]'s defence they mention about contract with them, as I opened the account when I was 12 surely I cant agree to a contract???

 

You usually receive the defence AQ together from the court, is this the case. You AQ may have been dispensed with.

 

Please can you post up the full letter / order from the court.

 

Regarding the contract, they from time to time have probably sent you revised terms since you were 12 and these are likely to be the prevailing contract between the parties.