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Claiming on a Business account? Lets join forces?

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Can anyone help. I have just realizied that in my haste to doing my charges I sent my LBA letter off first instead of my prelim letter. (I can only put this down to just having had a baby) Any ideas as to what I do now. I have had a reply from LLoyds telling me I have no right to reclaim.

 

Do I just send it again. Also the address from LLoyds is Andover Service, Recovery Centre Charlton Place, Andover Hampshire SP10 1RE as opposed to Colmore Row, which is where I sent the original to.

 

Any ideas would be gratefully received.

 

Hi ernie

 

suggest you ignore that first letter and start again with the prelim letter. Send it to your local branch or, as I did to avoid my local bank manager, send it to the Head Office.

 

Send it off recorded delivery and forget the first letter and their reply. If they've got any nounce they'll be expecting the prelim letter next!

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I have sent my prelim and LBA copies by recorded delivery to my local branch and Andover and Gresham Street (which is the Head Office) as I found out on here that when you do your N1 or MCOL you need to put the defendants address as Gresham Street London! Hope this helps, I did my MCOL today so fingers crossed!:)

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hi all

found this thread i intend to claim £4600 but still cant open an account but i a shall be looking in on this thread often for help and to give any if i can.

 

smudge

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just joining this thread, am reading up on claiming my sons business charges, i now understand they are different from personal ac's but will carry on reading this thread

thanks

Davyboy

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hi all,

 

just to give all you business accounts a bit of encouragement!

our account is a partnership account, with BOS

i wrote my 1st letter 13/11/06 got the usual response, get lost!!!!

continued with lba 27/11/07 replied the usual - these charges are in keeping with our normal charging policy.

filed MCOL 6/3/07

They filed defence 23/3/07 giving them extra 14 days

yesterday was preparing for court............ today received a letter stating it will cost the bank money to defend my claim in terms of the legal costs.

for this reason, but without admission of liability they are going to reimburse us with the charges, interest and £250 court fees. ON RECEIPT OF MY AGREEMENT THEY WILL REFUND INTO MY ACCOUNT THE GRAND TOTAL OF £5353.17 YIPPEEEEEEEEEEE!!!!!!!!

WE WON!!!!!!:D :D :D :D :D

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Bloody hell! Wish Lloyds would roll over so easily! Anyway WELL DONE and enjoy!:D

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Great stuff Massey - milky bars are on you !! Just shows, follow the pattern hold your nerve and hey presto ! Well Done....


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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Massey,

 

WELL DONE !!!!!:)

 

 

....do make it clear to them that you'll only withdraw the claim, once funds are cleared into your account though...... don't trust them an inch !!


---------------------------

ARE YOU A BUSINESS CLAIMANT?

CAG NOW HAVE A BUSINESS CLAIMS FORUM !

GO HERE !

 

CAN'T FIND WHAT YOUR LOOKING FOR?

Look here.

Got your old T&C's ?

Visit this thread to help others.

 

-----------------------------

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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THANK YOU TO EVERYBODY ON THIS SITE FOR YOUR HELP & ENCOURAGEMENT.

Don't think i would have had the guts to go through with it, but the members got me there. THANKS AGAIN!!!!

 

WILL BE SENDING A DONATION AS SOON AS I RECEIVE THE MONEY!

 

just want to say to anybody feeling scared of going through with it, persevere it pays off.

i was terrified, but jumping through hoops today:D

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CONGRATULATIONS!!

 

Well done massey, enjoy it!

 

Els


BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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It is really like pulling teeth with Lloyds, but they eventually succumb.

I have two successes with Lloyds and a rather more significant result with a business account with Nat West. One more business account in the pipeline with Lloyds.


My advice has hardly any legal foundation whatsoever, however you never know it it might just work!

:cool:

 

NatWest Prelim 07.10.206

LBA 21.10.2006

MCOL 30.10.2006

Acknowledgment of Service 06.11.2006

Offer of approx 50% £2200.00 22.11.2006

Full settlement £4500 received 03.01.2007

Smile settled in full

Barclaycard settled in full

RBS Worldwide settled in full

Lloyds TSB settled in full £750.00

Lloyds TSB settled in Full £275.00 11.04.2007

Lloyds TSB business account £1376.00 AQ filed

Lloyds TSB Business account settled in full 21.05.07

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Just an update regards my own claim.

After much hard work, research and over 500 posts (and lots of help from some wonderful members here, too numerous too mention, but Glenn Uk, Bill K, Mindzai, Lucid and Bong do deserve special mention):) Finally finished dotting i's and crossing t's, and managed to take my claim over to the court today.

That was saga in it's own right.... two of the courts listed on the HMCS website are actually SHUT... not just for the day, but for good !!

Typically, I went to both first, and then got into a panic when I realised it was getting close to 4pm, and the proper one would be closed.... which would mean then filing tommorow, and having to print out EVERYTHING again (and 3 times), as the daily interest would have changed.... aaaarghh !

Anyway, made it in time, and filed.

Just thought I would ask the clerk a few bits (they are VERY friendly and human people for anyone scared about going down there).

Turns out that Northampton are so swamped, that the Courts have been instructed to send everything to a speciallly set up court just for Bank claimants !!

Turns out also, that AQ's are becoming pretty rare on the ground, and most courts are just dispensing with them, and directing cases into groups.

Anyway, a feeling of elation as I finally stepped out of the court with my lovely stamped reciept. Actually done it !!

I think the Banks rely upon the fact that a lot of claimants won't get past the Prelim or LBA stage, or will be put off by their letters with their own take on matters, and just give up or fail to follow through to N1/ mcol (by the way, all you Business claimants, I STRONGLY reccomend that if you can you use N1 rather than MCOL).

So, clerk informed me they now have 14 days to file a defence, or I can file for judgement.

Expecting the usual templated defence..... however I've put a couple of little extra's in my POC's (nothing too controversial or risky), and will see if they ACTUALLY do read them.

Date, in my diary to look into filing for judgement (but I expect the usual extensions they somehow manage to wangle).

Now just a matter of waiting.

Incidentally I would suggest more patience from a lot of people out there, at least a month of reading and posting, and use your time between prelim, LBA etc very wisely before going to court stage. It really make's a hell of a difference to your knowledge and confidence.

 

Regards to all

 

Photoman

 

PS: I'm not going to reveal the actual size of my claim at this point...... but lets just say, this is one that they will certainly take notice of !!:D

  • Haha 1

---------------------------

ARE YOU A BUSINESS CLAIMANT?

CAG NOW HAVE A BUSINESS CLAIMS FORUM !

GO HERE !

 

CAN'T FIND WHAT YOUR LOOKING FOR?

Look here.

Got your old T&C's ?

Visit this thread to help others.

 

-----------------------------

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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hi all

 

first of all well done massey, I have managed to open another account now so shall be trotting of to the post office with prelimkeeping an eye out for info keep posting

 

smudge

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well smudgerer must admit was a bit naughty, never opened a new account, but spoke to 2 other banks that said they could open an account. i told them i was taking bos to court.

both banks told me it was hard to get charges back from business accounts & adviced me to do it on my personal accounts as it was easier.

now that i have done this 1 i'm going for my 2 personal accounts which i now feel pretty confident about.

so even the bank managers are in agreeing that the charges are wrong

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... just realised, must also give special thanks to paulpb, paulwlton, progenic and joncris....... thank you all so far........ but be expecting additional pestering !!! :D


---------------------------

ARE YOU A BUSINESS CLAIMANT?

CAG NOW HAVE A BUSINESS CLAIMS FORUM !

GO HERE !

 

CAN'T FIND WHAT YOUR LOOKING FOR?

Look here.

Got your old T&C's ?

Visit this thread to help others.

 

-----------------------------

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Hi Photoman, good job in getting that claim filed, lets see if you can get that Judgement before they have had time to put in their defence.

Look forward to the next instalment!

DS

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hi all,

 

just to give all you business accounts a bit of encouragement!

our account is a partnership account, with BOS

i wrote my 1st letter 13/11/06 got the usual response, get lost!!!!

continued with lba 27/11/07 replied the usual - these charges are in keeping with our normal charging policy.

filed MCOL 6/3/07

They filed defence 23/3/07 giving them extra 14 days

yesterday was preparing for court............ today received a letter stating it will cost the bank money to defend my claim in terms of the legal costs.

for this reason, but without admission of liability they are going to reimburse us with the charges, interest and £250 court fees. ON RECEIPT OF MY AGREEMENT THEY WILL REFUND INTO MY ACCOUNT THE GRAND TOTAL OF £5353.17 YIPPEEEEEEEEEEE!!!!!!!!

WE WON!!!!!!:D :D :D :D :D

 

Well done Massey, Great news and another one bites the dust!!

DS

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1 final question

 

the cheque is made payable to my co.name i asked for any cheque to be made payable to my name should i send it back(im not worried how long it takes to get a replacement chq)

 

any help welcome

 

scott

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congrats massey

 

 

i also won today

 

 

£35,987.94

 

 

scott

 

WOT? £36K :o Blinkin eck Scott that's brilliant - can't help on the cheque name because I'd have to read over your details and it's a bit late - but absolutely WELL DONE


Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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scott

 

well done

 

This is the first post of yours i have read and it gives me great beleif these charges can sink businesses

 

smudge

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BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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Hi... I'm in the process of claiming charges form LloydsTSB on my business account. I have read threads saying that it would be possible to claim beyond the six years. Having got to the Letter Before Action stage and having a negative response, would I have to re-start my claim from scratch????

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Hi... I'm in the process of claiming charges form LloydsTSB on my business account. I have read threads saying that it would be possible to claim beyond the six years. Having got to the Letter Before Action stage and having a negative response, would I have to re-start my claim from scratch????

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.


---------------------------

ARE YOU A BUSINESS CLAIMANT?

CAG NOW HAVE A BUSINESS CLAIMS FORUM !

GO HERE !

 

CAN'T FIND WHAT YOUR LOOKING FOR?

Look here.

Got your old T&C's ?

Visit this thread to help others.

 

-----------------------------

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Just subscribing :)


Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

Make Cash Flow Forecast

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