Lloyds Bank. What To Do Next?

[alemanita]

Hi there,

 

I am a bit stuck and hope someone can help me.

 

I'm trying to reclaim £3099 of LLoyds, i got as far as the moneyclaim and they have until the 5th of March to reply.

 

I now found out that they put £510 (Ex Gratia payment they call it) into my account and i got a letter with it basically saying that's all i'm getting and to sort my finances out.

 

Also they will not respond to any complaints in the future.

 

What do i do next? i am not willing to accept the offer but am i allowed to spend it? do i just do nothing and wait until the 5th of March and enter judgment?

 

Can someone advise me please? Thanks in advance

[dx100uk]

write back using the letter in the template/library section either accepting the money as part payment or demanding they remove it, your choice.

 

but either way, continue with the claim. they will refund it all in the end before court.

 

have a read of a few threads too here

 

dx100uk;)

[GuidoT]

The next move is usually Lloyds', they normally file a defence at the last minute.

 

Meantime in case you are not aware and as you filed using MCOL send 2 copies of your schedule of charges, clearly marked with your claim no. and a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim On Line

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

Yours faithfully

[alemanita]

Thanks for the advice, i do that tomorrow.

[datxman]

LloydsTSB filed their defence for me within two days which is strange. It will be the normal cut and paste defence their normally send. You can find the defence written out on this site, just need to do a search for it.

 

Good luck with your claim, at least they have refunded you some of the money, as I have not had a bean of them. So you must be on a winner.

[alemanita]

THANKS DATXMAN, i posted letter today rejecting their settlement offer.

 

see what happens next.

 

Don't worry about yours datxman, LLoyds are very stubborn but you WILL WIN

[catwomen4]

Hi there,

just read your post and I'm at the stage of just acknowledgement of service which was received today 27 Feb also today I,ve had £510 paid into my account as ex gratia payment I understand that this happened to you and i'm wondering what you would suggest todo.

I'm not going to except the offer but would like to know if they will take the money back or can it be spent.

[datxman]

Alemanita just to let you know that Lloyds have settled in full today. Good luck with yours and remember to keep the faith....

[alemanita]

Hi Catwoman,

 

i posted a letter today and told them to either pay the rest of the claim or remove the ex gratia payment and i will proceed with the court. i left the ex gratia payment in my account just in case they take it back. i hope they don't and just settle in full. i'm running out of patience

 

i'm checking my balance every day and i will keep you informed.

 

 

you can find a letter template for rejecting offers in the libary section , good luck and let me know how you got on please

[alemanita]

CONGRATULATIONS DATXMAN

 

I am soooo pleased you won, it really boosts confidence, doesn't it?

[catwomen4]

Thanks for your reply i'll check out the letter template tomorrow been on here most of the day feeling square eyed.

I've also notice that with your case they have untill 5 March to reply is that with an acknowledgement of service reply. If so i'm at the same stage and exact same dates also I've had this money paid into my account today. I haven't read about anyone else who has had this ex gratia payment.

[alemanita]

I'm a little confused about that myself catwoman, as i've been told they have 14 days from when the court claim has been served (19.2)

i just checked the moneyclaim and it said they acknowledged it today and they have 28 days to reply??????

 

 

i'm totally confused, can i still enter judgment on the 5th or do i have to wait 28 days now? can someone enlighten me?

 

cheers me dears,

[GuidoT]

They have 14 days from deemed date of service to file an acknowledgement and 28 days from deemed date of service to file a full defence.

 

Forget about entering judgement for now, people think it is the answer. Lloyds nearly always file a acknowledgement and defence (unless the claim is served on the incorrect address) but leave it right until the last minute.

 

If you obtain judgement in default it will probably just prolong the entire claim, see here for a little more:

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

[catwomen4]

I received my acknowledgement today by post but it was on the 23 Feb that it was acknowledged so they now have 28 days from 19 Feb to enter thier defence then it can be entered as judgment if no defence is received. Thats how I understand it anyway been onto the mcol tutorial and found that quite useful.

[alemanita]

I got a letter from the Court today and Lloyds have filed a defence :o

 

 

Good luck to them

[datxman]

I was going to wish you luck with your claim, but you will not need it.

 

The day before you need to submit your documents by, phone [problem] to remind them that they have not sent their documents which they wish to rely on in court and I bet the next day the money will be in your account. But don't forget to send your documents just in case!!!

 

keep us updated.

[alemanita]

Thanks daxtman,

 

i've been looking all over but can't seem to find any information on what to do next. Do i just wait until i hear from them or do i need to do something?

What documents do i have to send? The ones Lloyds bank sent me listing the breakdown of all my charges?

 

My eyes are going square :-|

[BARTY]

Hi

You need to wait until you receive a copy of their defence and an Allocation Questionnaire to fill in. Couple of links below to help you with that:

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

 

Good luck, let us know how you get on.

Barty:)

[alemanita]

Thanks Barty,

 

I have just read that i should of sent my documents relating to the charges to the court when i filled out the Moneyclaim. Is that true? I haven't done that , will my claim be struck off? I'm getting a little worried now that i messed it up.

 

I only told the court my total charges but not a breakdown of when and how much i got charged.

 

a worried Alemanita xxx

[BARTY]

Hi

Don't worry, I would now do the following:

 

Send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

Dear Sir/Madam

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours Faithfully

 

 

And as Lloyds have acknowledged your claim, you should send a copy of your schedule to their Solicitors, have you got their address?

Barty:)