The Lovely Lloyds TSB!!!!!!!!!!!!

[Pondfish]

Why the change of solicitors?

Does the letter from Foot Anstey have the correct claim reference?

If so, perhaps the court can advise on exactly who is defending on behalf of Lloyds? I presume all documentation has gone to [problem] not Foot Anstey.

Pondy

PS thanks for the click!

[Pondfish]

Why the change of solicitors?

 

Does the letter from Foot Anstey have the correct claim reference?

 

If so, perhaps the court can advise on exactly who is defending on behalf of Lloyds? I presume all documentation has gone to [problem] not Foot Anstey.

 

Pondy

 

PS thanks for the click!

[Hughesy]

Right have spoken to NCC and they say that Foot Anstey are defending for Lloyds not [problem]. NCC have all the correct documentation so no problem there.

 

Have just rung Foot Anstey and asked why they do not have a breakdown of charges when one was sent recorded delivery on 8th May to [problem]. The lady I spoke to is ring [problem] to get the information passed over.

 

Do I need to respond to the actual defence? There is not paperwork for me to sign or fill in or send back!

[Hughesy]

Have just rung the court back and now know that I'm waiting for them to send me information relating to the defence.

 

I have to ring the local appointed court to ask if I need to fill out the Allocation Questionnaire and they will give me a deadline to do so.

 

Can anyone give me a link to the court bundle paperwork cos I can't find it again and need to re-read through everything. Getting scary now!!!!

[Hughesy]

Foot Anstey just rang me back as well. All very apologetic! It seems [problem] have either not received (I have proof of posting) or "mislaid" my breakdown of charges. She quoted them as saying they were in "chaos"!!

 

Have agreed to send out a new copy to FA as requested! I suppose it makes me look very co-operative and them very incompetant!!!!!!

[kfdh1962]

Hi Hughsey,

looks like SC&M are so snowed under that they and lloyds are having to spread the workload out !!

[curlychic]

Have just rung the court back and now know that I'm waiting for them to send me information relating to the defence.

 

I have to ring the local appointed court to ask if I need to fill out the Allocation Questionnaire and they will give me a deadline to do so.

 

Can anyone give me a link to the court bundle paperwork cos I can't find it again and need to re-read through everything. Getting scary now!!!!

 

Here you go ...

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

XxXxX

[Hughesy]

Thanx Curlychic xxxxxxxxxxxx

[Pondfish]

Nice One Hughsey!

 

Looks like your back on track, and in control i think.

 

Don't worry about court, despite recent events, your in good hands with CAG!

 

Pondy

[Hughesy]

I've just looked through the court bundle and it says to click on the OFT and Houses of Parliament links to print straight from their websites but there doesn't appear to be a link to click. Can anyone help?

[BARTY]

Hi

Here you go:

http://www.oft.gov.uk/shared_oft/reports/financial_products/oft842.pdf

 

Barty:)

[johnbt000622]

Go for it mate, im waiting on a court date, next week the court will issue one they told me this morning, i was worried because its not going to my local court not it going to another and they will deal with hundreds, martin gave me some good info earlier. good luck john

[PeterAnderson]

Hi

I'd give them another week or so, then give them a ring on 0117 943 3133

Good luck, let us know how you get on.

Barty:)

 

I sent off my S.A.R - (Subject Access Request) on 16th Mar and rcvd my statements back to Sept 01 (6 months short of the 6yr rule (£9.1k eek). They have ignored my request for the private account, 2nd ltr sent giving them 14days which expires next Tues.

 

Not sure how this 'quote' works on here BUT I have just rung the above number. Very interesting - this is the Compliance Unit based in Bristol which makes sure the bank complies with the FSA (according to them); spoke to Andy Failhurst there, very very helpful he explained that the Copy Statement Unit based in Birmingham only holds records for 5.5yrs on computer, the rest are on microfiche and with their workload of requests have a backlog. Oh dear how I feel sorry for them (he he).

 

But in reply to the original post, do not panic, read the FAQ's, use the Library Templates, take your time to prepare, get the list of what the stages are and very carefully follow them. Keep copies of all your notes and print off everything you have stored on computer (just in case it crashed as mine did and had to have the hard drive re-formatted)

 

Best of luck

[Hughesy]

Someone please help cos I've just had heart failure!

 

I've just logged onto MCOL to check the amount of interest claimed and it is showing that my judgement has been rejected.

 

Please tell me that it's because Lloyds have now entered a defence and so it is proceeding to court.

 

I was told by the court on Thursday that the case is being transferred to a local court for a hearing. Does this mean that everything is still ok with the claim?

 

God this is stressful!

[johnbt000622]

on the mcol site does it say rejected or halted, mine said halted, meaning lloyds tsb have taken my case on, i spoke to the court and was told it will be sent to my local court next wednesday, the judge at my local court with then transfer it to another court and send me and lloyds solicitors a questionaire, as they will be doing then all in a block at a different court miles away for my local court but if i have to go i will.

 

dont get stressed mate...when they pay ot will all be worth it.

[Hughesy]

It definately says rejected on 16th but is also says defence 11th so I'm assuming that I am unable to do anything more online cos it's all being shipped off to the local court!

 

I will ring the court first thing Monday am just to double check!

 

Thanks John!

[johnbt000622]

Call your local court on monday, i had one rejected only because i put lloyds tsb as the claimant and defendant, then had to refile and pay another £120, so it set my claim back by three weeks, but it will be worth it in the end as i'm claimimg £1808.00, going on holiday as soon as they pay up:-) :-)

 

Good luck john

[Hughesy]

Have spoken to MCOL and they confirmed that my Judgement was rejected because Lloyds entered a defence on the same day. Because they are now so busy with bank charge claims, they now automatically shut the claims down on the system and transfer them out to a local court.

 

Mine has been transferred to Croydon and I have all the paperwork apart from the Allocation Questionnaire. Have been trying to ring them all morning to ask whether we need to do one but can't get through as yet. Bit frustrating cos I don't know what sort of deadline they are likely to give so would rather get it out of the way now!

 

Am just concentrating on getting the court bundle all sorted at the mo!

[johnbt000622]

The courts are shut today an extra day for the bank holiday, i need to call my court as im waiting for the allocation questionaire also, let you know tomorrow if i get any news, good luck Hughesy

[GuidoT]

Have spoken to MCOL and they confirmed that my Judgement was rejected because Lloyds entered a defence on the same day. Because they are now so busy with bank charge claims, they now automatically shut the claims down on the system and transfer them out to a local court.

 

Mine has been transferred to Croydon and I have all the paperwork apart from the Allocation Questionnaire. Have been trying to ring them all morning to ask whether we need to do one but can't get through as yet. Bit frustrating cos I don't know what sort of deadline they are likely to give so would rather get it out of the way now!

 

Am just concentrating on getting the court bundle all sorted at the mo!

 

It is good they have filed a defence, it shows all is proceedings as it should - contrary to what you may think.

 

AQ is likely to be dispensed with, see here:

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html?highlight=dispensed+AQ

[GuidoT]

I forgot did you issue your schedule of charges to the court and SCM?

[cossy]

I too have rec a letter from the court dispensing of the AQ, so I'm now waiting for a court date ? Should I be sending anything now ?

 

Sorry, I am so out of my depth here and reading (although really helpful ) has me a tad confused.

 

 

thanks in advance

[Hughesy]

Friend's claim: Received a letter today from Lloyds solicitors - Foot Anstey - which reads as follows:

 

"We act for Lloyds TSB Bank Plc (the Bank). This letter is marked without Prejudice and is Confidential and Privileged which means it will not be produced in court and is confidential between you, us and the Bank.

 

The Bank does not accept that there is any legal merit in your argument. The charges claimed by you have been imposed in accordance with the terms that you agreed with the Bank.

 

Although your claim has no legal foundation, regrettably the Bank has to take into account the costs of litigating over relatively small sums.

 

The Bank is therefore willing to settle your claim on the following basis:

 

1. The amount of £4641.87 will be credited to the business account numbered xxxxxxxxxxxxxxxx.

2. Payment will be in full and final settlement of this claim.

3. These terms and any correspondence entered into in reaching settlement, of which this letter is one, will remain confidential between you, us and the Bank.

 

We ask you to sign a copy of this letter as confirmation that you are bound by it's terms, including the requirement of confidentiality, and to return that copy to us. When we have that signed copy, our client will arrange for a refund to be made and you will write to the court confirming that the claim has been settled."

 

My friend is happy to settle out of court as they are offering the full amount that he's owed, including the interest. Do I need to send a covering letter with the signed copy stating a timescale for repayment or are we ok to leave it in their hands?

 

We are awaiting a court date at present. Just want to know if we are likely to get the refund and whether, by signing this letter, we are agreeing that they are blameless and therefore have no comeback should they not pay?

 

Help asap would be greatly appreciated!

 

Thanks everyone xx

[GuidoT]

Do not discontinue proceedings until such time as you have the money, send letter along these lines (post 73):

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/48032-jakena-barclays-4.html?highlight=acceptance%23post718754#post718754

[Pondfish]

Congratulations Hughsy!

Although, don't inform the courts of a settlement until you have been paid.

Sounds like there were conditions attached, so make sure these will not compromise any future claims before you accept. Personally i'd reject any conditions they try to impose.

Pondy