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Saj v LloydsTSB **WON**


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FWIW they shouldn't be bouncing anything for under £10, and certainly not charging you for it. i was told this last year when they bounced an £11 chq for my daughters art pack at school.

the train of thought has left the station, hope i was on the right platform!!

 

____________________________________________________

Lloyds TSB

prelim sent 06/07/06 response rec'd 14/07/06

LBA sent 20/07/06 response rec'd 27/07/06

Moneyclaim filed 22/08/06 Ack'd 30/08/06

Defence filed 26/09/06 AQ filed 12/10/06

hearing set for 10th Jan 2007

 

Cap One

prelim sent 2nd Nov 2006 First offer rec'd 14th Nov

any thoughts, suggestions or advice given by MBQ are done so without prejudice. All information I have, i have learned from this excellent site. If in any doubt, seek professsional advice.

 

 

 

 

 

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Hi guys. Just filling in AQ and am not clear whether I should be forwarding a copy to solicitors. The court letter doesn't mention it. I have seen posts saying to do it both ways. Any advice much appreciated. Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Sorry...ignore that. Hunting high and low for two days found nothing then as soon as I posted that I found it! Will forward a copy out of courtesy. Hmm.... shall I slip in an extra little note asking if they might like to settle now? Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Hello. Just wondering...is this letter to SCM OK? Broken brain...been a long day. Sentences are not flowing:| Any comments much appreciated... Saj x

 

Dear Sirs

Re. Claim no: 6QZ 44670

I am writing to enclose a copy of the Allocation Questionnaire relating to the above claim number. I have today forwarded this Allocation Questionnaire to Torquay County Court as instructed. I also enclose a schedule of the charges applied to my account as per my claim. This includes the date the charges were made to my account, the number of days since the charge was applied and interest at a rate of 8% APR for each charge.

I understand that in some similar cases you have entered into dialogue with the claimant in the hope that the matter can be settled before going to court.

I wonder whether your client would be prepared to try and reach a conclusion to this matter at this point.

I look forward to hearing from you.

Yours faithfully

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Nothing wrong with that. It might just shorten the process, eh?

 

Elsinore

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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You have certainly had your work cut out with them on this one. It is tiresome for them to keep trotting out the same lame excuses, I hope you get a speedy settlement and ALL of your charges back at the same time

 

Good Luck:p

9/8/2006 Moneyclaim Submitted £490

15/8/06 Reply from court, Lloyds have acknowledged with intention to defend

11/9/06 28 days to the day defence submitted by Lloyds

13/9/06 AQ received reqd to return by 30/9/06 to Rugby CC

29/9/06 AQ completed and returned to court

 

 

I'd like to see things from the banks point of view but I can't seem to get my head that far up my a**.

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Cheers chaps. A letter from SCM today with their AQ. They have requested a further month to "discuss", so halted the above letter and wrote this one below...haven't sent it yet but need to tomorrow...but would appreciate advice on whether I actually am allowed to demand this...Thanks Saj x

 

 

Dear Sirs

Re. Claim no: 6QZ 44670

Thank you for your letter dated 18th August 2006 which I have received today. I enclose a copy of the Allocation Questionnaire relating to the above claim number, as requested. I have today forwarded this Allocation Questionnaire to Torquay County Court as instructed. I also enclose a schedule of the charges applied to my account as per my claim. This includes the date the charges were made to my account, the number of days since the charge was applied and interest at a rate of 8% per year for each charge.

I see from your Allocation Questionaire that you have requested a further month to attempt settlement. I am unsure of why an extra month is necessary when I first contacted your client regarding this matter on 6/6/06. If your client is prepared to enter into setllement disucssions I would ask that this is done now. However, you may notice that the schedule of charges has three more charges on the list than the original list which I sent to your client with my preliminary letter requesting repayment of the charges. These three charges total a further £300 which your client has deducted from my account in the last six weeks.

I wish to make it clear that I would not be prepared to discuss settlement unless this amount was also taken into account.

I look forward to hearing your thoughts on this matter.

Yours faithfully

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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that sounds great could you write my letters for me! lol

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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too kind:razz: Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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I think that looks great - I only wish I was as articulate as you!!

 

I'm trying a similar thing with SCM - Good luck and keep us posted

 

Feralkat

:)Lloyds ***WON*** £3,500 :)
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Thanks Feralkat! Good luck with yours too...let us know how you get on!

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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hi Saj, have they not replied to your letter yet?

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Hey jadest

No reply yet! Am wondering about giving them a call this morning as I am away with work for the beginning of next week.

Thanks for looking out for me :)

 

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Just back from work trip and still no response to my letter (and copy of my AQ)of 29th Aug, so called SCM. Spoke to a secretary who looked briefly and couldn't find any record of it. She said she'd call me back by 3 when I had to do school run, but she didn't. No surprises there then. Will try again tomorrow. Hope everyone's doing ok out there! Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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They are useless... Good luck... if no luck with phone call, write to them again

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Thanks Jadest..They phoned back this morning. Yes the letter dated 29th Aug arrived yesterday. I was surprised and she said it could have been held up in their post room(!) Was Mr Thomas available for a chat just now? No, she said, he was with a client. Would I like him to call me back? Yes, before 3. Did he call? Of course he didn't. Tiresome man. Then a letter from the court with a date of 1st December. Guess it's going to be a long wait! Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Heya Saj :D

 

Looks things are progressing more or less well anyway - don't be disheartened, you're nearly there :)

 

Personally, I'd keep chasing them. Reading up on quite a few other people's threads, it seems to be around this point where Lloyds instruct SCM to settle - although of course SCM 'forget' or 'accidentally bypass' the settlement letter until later, more likely than not because they're so busy :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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I reckon you're right Reload. I think I will hound Mr Thomas til he speaks to me on Monday:lol: Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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although of course SCM 'forget' or 'accidentally bypass' the settlement letter until later, more likely than not because they're so busy :D

 

Or content to let the fees rack up!

 

Elsinore

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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Had a response to my fax dated 10th Aug which went like this...

Dear ****

Thank you for your telephone call this morning. I am disappointed that you were unable to refund bank charges of £210.00 which were applied to my account **-**-** ******* at the close of business yesterday. These were applied despite my request to discuss them and have pushed my account over the overdraft limit and also taken up all of my Tax Credits for this week.

I would reiterate that I am doing my level best to run my account responsibly and can confirm that these charges will just push me into yet another cashflow difficulty such as the one that occurred last month and which created these charges in the first place. I have run my account within its limit all month and would ask you to please refund them as soon as possible with no charge made for going over my overdraft limit.

I should make it clear that I have already started a court claim against Lloyds TSB to reclaim bank charges (Claim no 6QZ 44670) and will not hesitate to begin another claim should this matter not be resolved.

I look forward to a positive outcome to this matter

Yours sincerely

 

The charges were taken and ruined my kids holiday....My letter was passed to the senior manager and he then passed it to compaints dept. Then today Jamie O'Neil sent me the " I've noted your comments, but unfortunately I cannot add any further information to our previous letter (WHICH BLOODY PREVIOUS LETTER?) or agree to your request. Since the bank's final response has been issued blah blah blah

This is complete rubbish. They charged me £25 for returning a £1.99 direct debit, another for £10.99 etc... how can they get away with this...7 DDs and 1 standing order in 24 hours . £210 of charges. I was only short because of the previous month's charges. They should be dragged into courts for this and I am going to do EVERYTHING I can to make sure my case ends up in court. What happens if one were to try to take this to court without requesting the refund of charges? Is there any way that can be done? How about just taking them to court for comnpensation for the upset and stress and in charging me £25 for a returned £1.99 is that a breach of anything? Feel so incredibly angry all the time about this. Sorry for the splurge :rolleyes:

saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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you are entitled to be angry, I think most of us are, they bounce my Motgage Payment so they could take there charges. They really are an institution that robs from the poor and gives to the rich.

 

 

 

Lloyds TSB Progess

 

first letter sent 10th June

Received reply 20th June

Second letter sent 30th June

Revieved final response 7th July

Filled in claim on line 30/07/06

Recieved Acknowledgment of service 4th August

Defence submitted 6th September

Allocation Questionnaire due back 20th Sept

Sent my Allocation Questionnaire back 10th Sept

Got there copy of Allication Questionaire 23rd Sept

Court date set for 25th Jan '07

 

 

 

Paragon Finance Progress

Sent first letter 24th August 2006

No reply so second letter sent 10th Sept 2006

Received letter back saying they are going to investigate my claim

Offer made by Paragon for full ammount plus interst! Rusult!!!

Cheque recieved *Won*

 

 

 

Any thing I write on this site is only an oppinion as I am not a solicitor or legal whizz!

 

 

 

 

 

 

 

 

 

 

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Dear Saj,

Use the anger! You will be much more likley to have a good outcome if you dont break the 'rules of angagement'. I got angry (albeit for much smaller reasons than yours) and then I got back on track and my timekeeping to the timescales that we are advised by the FAQs improved 100%. Get the money for Christmas (or before) and make it the best you ever had.

Best wishes,

Cat

29 March 2006 Data Protection Act Request sent for ac 1 (then she got a bit distracted but got another charge so...)

27 May Prelim letter sent for ac 1

27 May Data Protection Act Request sent for ac 2 & 3

21 June Prelim Letter sent for 2 & 3

14 July LBA sent with schedule for ac 1 & 2 & 3

7 August MCO filed – defence expected 10 September

11 September defence filed - signed Sean Copping

12 September AQ form received

18th September AQ sent back to Lambeth Court and copy sent to solicitors both recorded delivery

13th Feb 2007 Court Date Set

15th Feb Reclaimed Money is in my bank Account

 

Cat's opinions are those of a nurse and most definitely, definitely not those of an accountant or solicitor, although she was always quite good at sums and elocution.

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Thanks Cat, wise words! And you too Jadest,...sure feels a supported place to be on this forum! Will try calling SCM in the morning, I guess my message to Mr Thomas may have got through and maybe a letter might follow this week without a phone call???? Unlikely but a restful weekend has helped and I'm back trying to see the good in people ;)

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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Aaah...Progress at last! Spoke to Mr Thomas @ SCM this morning. Asked how his client wished to proceed in the light of the request for an extra month on the AQ. He asked to be excused briefly then returned to the phone, confirmed that the call was confidential and without prejudice, I confirmed it was, and he said his client had agreed to settle.

 

I mentioned the recent £300 of charges since I lodged the claim. He said the only way this owuold happen wsould be if I applied to the court for an increase in the claim, but the court costs for this (about £60 I think) would not be reclaimable from LTSB. I just thought to myself I'd start a new claim as I told the bank I would!

 

Anyway, he said to expect a letter within 2 days. I look forward to it I said :p

 

Saj x

SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/7358-saj-lloyds-tsb.html

Data Protection Act letter sent recorded delivery 15.5.06

Compliance 1.06.06

PAR letter sent recorded delivery 7.06.06

1st denial received 13/6/06

LBA letter sent recorded delivery 21.06.06 (received 22/6)

Moneyclaim filed 7/7/06, Served 15/7/06

Allocation questionaire returned 28/8/06

Court date 1st December :lol:

SETTLED UNCONDITIONALLY IN FULL 5.10.06

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FAB. The next claim will go a lot more smoothly. We have all been learning sooooo much by going through this process.

C

29 March 2006 Data Protection Act Request sent for ac 1 (then she got a bit distracted but got another charge so...)

27 May Prelim letter sent for ac 1

27 May Data Protection Act Request sent for ac 2 & 3

21 June Prelim Letter sent for 2 & 3

14 July LBA sent with schedule for ac 1 & 2 & 3

7 August MCO filed – defence expected 10 September

11 September defence filed - signed Sean Copping

12 September AQ form received

18th September AQ sent back to Lambeth Court and copy sent to solicitors both recorded delivery

13th Feb 2007 Court Date Set

15th Feb Reclaimed Money is in my bank Account

 

Cat's opinions are those of a nurse and most definitely, definitely not those of an accountant or solicitor, although she was always quite good at sums and elocution.

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Thread Locked

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If you need to add something to this thread then

 

Please click the "Report " link

 

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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