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    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer and that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim and don't add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the members of suggested above – it should be the final version. court, that I would respectfully requestup but I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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And so it begins!!

 

i am right at the beginning of sorting this claim,so my first question is...

 

Do i send the letter requesting a copy of my charges to my local branch or somebody else?

 

After reading several of the other threads it looks like i could be in for quite a wait before all this gets sorted,any idea's on the average length of time its taking to get your claim successful?

 

cheers everyone ;)

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And so it begins!!

 

i am right at the beginning of sorting this claim,so my first question is...

 

Do i send the letter requesting a copy of my charges to my local branch or somebody else?

 

After reading several of the other threads it looks like i could be in for quite a wait before all this gets sorted,any idea's on the average length of time its taking to get your claim successful?

 

cheers everyone ;)

 

Use this address.

Penny Berryman

Senior Manager

Data Protection Dept.

Lloyds TSB Bank PLC

The Pentagon

48, Chiswell Street

London

EC1Y 4XX

 

 

Also please start a thread in the Lloyds forum post any questions you have there. I advise reading the FAQs and step by step instructions this will aid you through the process.

Lloyds new thread

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Hi

You could hand it in at your local branch, make sure you get a signed receipt for your £10 fee, but I would just send it recorded to the address Livelylad quoted.

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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  • 5 weeks later...

hi again everyone,i recieved my copy of charges today :D

 

now this might be a silly question,but,do i add up EVERYTHING on the sheets or are there certain things i am supposed to leave off the calculation?

 

i have on the sheets:

 

o/draft interest

unpaid d/d

account charge

o/draft excess fee

unpaid s/o

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o/draft interest

unpaid d/d

account charge

o/draft excess fee

unpaid s/o

 

1 - only the amount of interest that relates to the charges

 

2 - yes

 

3 - probably not - sounds like it is a standard charge that relates to facilities of the account

 

4 - yes

 

5 - yes

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anyone help,i have tried to open both the statement of charges simple works speadsheet and the advanced one but they wont open?

 

is there another one i could use?

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it's ok now,i've sorted it :rolleyes:

 

i wasnt saving the file,i was just trying to open it :oops:

 

 

can i just clarify that i send my prelim letter to the following address?

 

 

customer care

lloyds tsb

125 colmore row

birmingham

b3 3sf

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