Just starting out ***WON***

[Pondfish]

Hi Tracie,

 

Standard defence - that's good news, means they haven't picked any holes in your claim.

 

As Barty said, best to get your AQ back ASAP and i would send [problem] a copy. You don't have to, but it does show your being courteous to them, and it shows them you are serious as well.

Don't hold your breath waiting for them to send you a copy of theirs though.

 

Have a look at Barty's links - there is a choice as to how you are going to fill in your AQ form. I personally went for the Draft order, but have a read up and decide.

 

Pondy

[tjinuk]

Hi

 

Well today i have had 3 letters from andover. The 1st saying saying they are sorry but are still looking into my claim.The second offering me £651 as full and final settlement and the 3rd letter said sorry for the delay but find enclosed a cheque for £651...which had no cheque enclosed!!!!

I have tried ringing andover and cannot get through. Not sure what to do about this...the letter that was meant to have the cheque in was not sealed.

I phoned Lloyds and the man(very nice man) said i should maybe send a letter off to them marked urgent explaining.

So should i send a letter accepted part payment and saying that cheque was not enclosed??

Any help much appreciated. Thankyou

Tracie

[BARTY]

Hi

Yes send a letter from the link below and explain about the cheque:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

Barty:)

[tjinuk]

Hi Barty

 

Thanks for that....do you have a contact telephone nmber for andover?? The one iv got is 01264 725214...and it keeps going to mailbox and then saying mailbox is full...any other numbers i could try to get intouch about the missing cheque???

Thanks

Tracie

[BARTY]

Hi

I did a quick search around and found:

01264 834307

01264 832915

01264 832297

01264 832238

01264 832294

 

Barty:)

[tjinuk]

Hi Barty

 

Thanks for the numbers...finally got through to them today. They are looking into where the cheque has gone and will get back intouch with me. When i have money in account or cheque in hand then i will send letter accepting part payment. I couldnt send letter yet as iv recieved no payment and i think it would or could get confusing later on. I am filling in my AQ and will take that into court with £100 next tuesday. If payment appears do i inform courts i have had a partial payment??

Thanks so much for your time.

Tracie

[tjinuk]

Hi

 

Just filling in AQ and taking it to court today with money. Just a couple of questions....where it says any other information....

 

have you attached documents...i ticked no......already sent schedule of charges with claim

 

Do i intend to make any applications in future...is this yes or no???

 

In the space below set out any other info.....do i include here the part that says.......

 

I am respectfully requesting that my claim be allocated to the small claims track. This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument.

 

However, the continuing problem is (in common with the 100s of other cases currently being brought by other bank customers) that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith.

Want to et this rigt before going to court....any help would be great...thankyou..

at the bottom where it asks for firms name and address....do i include my name and address??

Nearly there now....

Tracie

[tjinuk]

bump

[tjinuk]

Can anybody help before i go court to file the AQ???

[jshtr3]

Sorry TJ I don't know too much about AQ's. I assume you've seen this http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

By the way, just read that the courts are closed today!

[tjinuk]

Hi jshtr3

 

Thanks for that...only wish i had read it before going into town, parking up and finding it shut...lol....

 

Oh well....i will go tommorow..

Thanks

[tjinuk]

Hi All

 

Well i am totally confused now. I have claimed for my daughter and for myself. My daughters claim as gone to court and i took the AQ in today and paid. The gentleman told me that Lloyds had not sent theirs yet!

My claim got to the LBA stage. I had not yet taken that to court.

Well last week i had 3 letters in my daughters name. Miss K ******.....saying they are still looking into it, then they were offering me £651.00 and then finally a letter saying a cheque was enclosed for the amount but no cheque was their. I tried ringing but eventually wrote to them and said there was no cheque inside. I got through to them 2 days letter and she said she would like into it and thanked me for ringing. Well today i recieve another letter with cheque for £651.00 but in my name..Miss T XXXXXX.....so i think they have confused both claims?? I no longer have an account which might explain the cheque.

So, do i ask them or leave it. If its for mine then im happy with that and its only about 50.00 short of my original claim so i will accept that and leave it there. However, if its for my daughters, her claim is about £1700 then what should i do. At the end of the day it was in my name with my initials. So if they have made a blunder its there fault..right???

Any advice welcome and i hope you understand what im saying. Iv kept all letters from then and as i say i have filed my daughters AQ today.

 

Tracie

[tjinuk]

Hi again

 

Well iv just been reading all the letters again and think iv solved it. My claim has a different reference number to my daughters, obviously, but they were all addressed in her name which was what confused me. so it seems they have settled my claim, about £50 less but im happy with that and no point taking it further and paying more out. It seems my duaghters will now be in the hands of SC&M and i guess we will now have to wait to here from the courts or them.

Will let you know what happens...

Tracie

[tjinuk]

Hi

 

Does anyone know of any letters i could send SC&M to maybe give them a friendly nudge to settle?? I still havnt heard anything and when i phoned court they are a week beyond with backlog so wont know what the judge has decided. Do you think its worth sending a letter?? I guess it cannot hurt.

Thanks

Tracie:)

[tjinuk]

Bump

[Pondfish]

Hi Tracie,

 

I'm not sure where you are with your claims at the moment. Am i right in saying yours has been settled and it is your daughter's claim that you are waiting for?

Have you got a court date yet, or is that what you are waiting for from the courts?

Personally i didn't contact [problem] at all, just let things take their course. Are you sure it will be [problem] dealing with the claim? Lloyds are spreading the workload around other solicitors.

 

Pondy

[tjinuk]

Hi Pondy

 

Yes thats correct...seems mine was settled albeit a little short but im happy with that but its my daughters claim that i have heard nothing about,..i filed the AQ last week but the court are behind and i think its def SC&M as they are cited on the defence. I guess like you say its a matter of waiting just wasnt sure if i should maybe send a nudging letter in the meantime.

Thanks

Tracie

[Pondfish]

As you say Tracie - probably no harm in sending one.

 

Don't hold your breath for a reply though, they can't even issue the defences / AQ's on time at the moment.

 

Thanks for the click !

 

Pondy

[tjinuk]

Hi All

 

Still not heard anything. Rang the court this morning and its being sent to the judge in a couple of days, she said they have a big backlog. Nothing has been recieved from SC&M as yet.

I sent them a copy of the AQ form. I have 2 questions...do you think a phone call to them to see if they have recieved the AQ and if they have sent theirs will do any good?? Also iv been looking at the schedule of charges and the last set of charges i claimed were on the 01/04/07...they actually came out the account on the 02/04/07...do you tink this has made a difference at all?? Getting worried iv done something wrong and looking for faults in my claim...i guess its just nerves...Any suggestions??

Thanks

Tracie

[tjinuk]

Bump

[Pondfish]

Tracie,

You have done all you can for now. If it makes you feel better then give [problem] a ring, but they not not renowned for a helpful attiude.

 

1 day discrepancy on one charge ain't gonna make a difference. Don't worry, worst case senario is your claim is reduced by 1 days interest, but i'd be amazed if anyone even notices.

 

Pondy

[tjinuk]

Thanks pondy...again...

[Pondfish]

Hey happy smilies please, no embarrased ones needed on CAG!

 

It tickles me Dorsal fin if i can help, and there ain't no greater feeling than that!

 

Keep up the good work Tracie, not far to go now!

 

Pondy

[tjinuk]

Hi All

 

Well i have good news...WE WON !!!!!!!!!...Just logged onto bank account and refund there, i think its all right maybe £40.00 down but totally happy with that and the fact i dont have to go court.

Thanks to everyone on this site that has helped and i will making a donation to this brilliant site.

I will be starting the process again though has iv had maybe £320 since all this started and i will be checking if anymore charges come out at the end of the month.

I still have not heard from either court or SC&M regarding refund so do i now send court a letter saying they have settled?

 

Can this thread now be changed to ..WON...

To all starting out, keep going and stick to advice given on here and that way you wont go wrong!!

 

Tracie and Katie..xx:D :D

[BARTY]

Congratulations!! :D

Barty:)