Claiming on a Business account? Lets join forces?

[Glenn UK]

Having read through photomans posts the issues re the court and small, fast track etc i agree with. Im no expert on the issue of the ATE CFA side of things although i am aware of the self financing principle.

 

Re the chances o f going to court, i think the banks really dont want to get into court, where people arelsoing partso ftheir claims it is usually related to elements which are contentious such as charges older than six yeas, contractual interest.

 

I think we are learning more about keeping claims intact and allowing claiamnts to maximise their returns in this respect.

 

I cannot see any reasons why this sholdnt be carried over into the business forum.

 

JMHO

 

GLenn

[Glenn UK]

groovy

 

as a point to note, it is always best to follow up phonecalls with the written word to make sure they cant deny your request at some time in the future.

 

If you havent written to them do so straight away and confrim your instruction to them from the 1st time you requested this.

 

when it comes to disuputing the charges this is a critical action imho.

 

glenn

[Glenn UK]

Its my view that if someone sets up a business and has a bank account which they use in conducting that business that they are likely to be considered as a business and not a consumer.

 

There may be degrees but it would not be unreasonable IMHO for a court to presume that as a business , all be it a small one, that the owner/director would make sure they complied with the law and that they were aware of their legal standing.

 

It would seem perverse maybe, but it seems to me that a consumer has a totally different status to a business, whether its a multi national or a sole trader.

 

Id be pleased to be proved wrong though.

 

Glenn

[Glenn UK]

I would suggest that you just write a new LBA stating something along the lines of "....having reconsidered my claim total, I am now submitting an amended Letter before action".

Then give them a further 14 days. A new prelim should be unnecessary, as this course should suffice as being seen to be reasonable enough.

Wait your 14 days, then submit your N1 with the new figure.

 

Usual proviso's about my laymans standing, so maybe get a couple of views if unsure.

 

i agree with PM if it helps any.

 

Its more or less what i did with my 1st abbey claim.

 

Glenn

[Glenn UK]

Just recieved notification that my claim is deemed as served.

lloyds have until May 4th to file response.

 

 

BRING IT ON !!!!!

 

I cant understand what all the excitement is myself!!! ROFL.

 

I would like to be a fly on the wall when they deal with it though?

 

Good luck,

 

glenn