Jump to content


  • Tweets

  • Posts

    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

MrIncredible V Lloyds TSB


mrincredible
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6197 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

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

Recommended Posts

SAR sent 3rd Feb by recorded delivery. I've had a letter from them advising I should receive my statements within the next 5 working days. Can't wait to find out how much I've been charged.

 

Although, reading some of the case histories on here - it would appear that LLoyds are very stubborn and like to drag it out all the way through the courts!

 

Wish me luck, everyone!!

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

Today is 40 days since I sent my SAR. I have received 8 pages of statements, but not the full set I requested. I phoned the Copy Statement Unit who apologised and offered to re-send them to me in the post. But I advised them that would mean me receiving them after the 40 days had passed since my initial Subject Access Request. They advised me to pop into my local branch and get them printed there. This I duly did and now have my last 6 years worth.

 

Got home and totted them all up to £557.00. Not to dis-similar to my figure with the Halifax! I've sent off my Prelim Letter by recorded delivery. Fingers crossed, it'll go smoothly.

 

I've read several other cases against Lloyds on here, and it would seem that they are a lot less likely to offer me a settlement prior to me making a claim through the courts.

 

Oh well, no-one on here has ever claimed it would be easy!

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

MrI - it is highly likely that they will offer you a part-settlement which you should only accept as part-settlement and continue pressing for the rest.

I am fighting a case for £642 + Interest + CI at the moment and they (SC&M) are defending it.

It seems crazy to incur the extra cost of legal representation in cases so small but they continue to do so. Their lawyers must be having a field day!

  • Haha 1
Link to post
Share on other sites

  • 2 weeks later...

I've just read Vastrik V Lloyds TSB success story, and it's given me serious motivation to carry on! Well done Vastrik!

 

14 days is up since my Prelim letter, tomorrow. I've had a fairly standard response from them - saying They're sorry blah blah blah. They'll get back to me in 4-8 weeks!!!

 

So, here's my LBA - going in the post tomorrow. I've re-worded the one from the template library, to meet my own circumstances. Hope I'm not breaking any forum rules by this - MODs please let me know if this is OK.

 

I'd welcome feedback on the way I've worded it, before I post it. Do you think it's a bit too aggresive?

 

 

29th March 2007

 

 

LETTER BEFORE ACTION

Account Number: xxxx

Your Ref: xxxx

 

 

Dear sir/madam,

 

I am very disappointed that you have responded to my letter of the 15th March with a standard response. You ask me to get in touch if I feel you have misunderstood my concerns. Quite frankly, I find this patronising. You may be aware that there has been a lot of press coverage about bank charges. Following this press coverage, I have signed up to the Consumer Action Group Website.

 

I have found out that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

 

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

 

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. Had it not been for the press coverage, and the abundance of helpful articles on the internet, I would have been none the wiser that your charges/fees are unlawful.

 

I calculate that you have taken £557. I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the 15th March, but enclose a further copy for your records.

 

I require repayment in full of this money.

 

If you do not comply fully within 14 days then I shall begin a court claim against you for the full amount plus interest (claimed at the annual rate of 8% pursuant to section 69 of the County Court Act, totals £81.69) plus my costs (I understand it to be £80 court costs initially) and without further notice.

 

I would urge you to save yourself un-necessary legal fees, court costs and interest with a prompt response to this letter, advising when you will refund my money.

 

Yours faithfully,

 

MrIncredible

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

*bump* (sorry)

 

I'm going to send my LBA off in the post shortly, and was hoping for some last minute re-assurance that you think my letter's OK.

 

Any advice will be appreciated.

 

:)

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

Right - LBA posted (recorded delivery). 14 days and counting...

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

Hi everyone - I heard some news on the radio at the weekend, about cases being delayed due to the huge amount of people reclaiming their charges at the moment.

 

With the 'Whistelblower' programme and increased media activity on the topic, is it only a matter of time before there's a 'test case' and a precedent set?

 

I'm at LBA stage and getting a little nervous! However, reading many other posts on here, it's nice to know I'm not alone!!

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

Hi everyone - I heard some news on the radio at the weekend, about cases being delayed due to the huge amount of people reclaiming their charges at the moment.

 

The court system has been clogged up since around the middle of last year really - the increased publicity can only serve to exacerbate that situation!

 

With the 'Whistelblower' programme and increased media activity on the topic, is it only a matter of time before there's a 'test case' and a precedent set?

 

I doubt it: a) the banks simply don't want their charging regimes exposed and are desperate to keep cases out of court; b) the courts have no power to order a case to go ahead if a settlement is reached; and c) precedent can't be set in the County Court, it has to be a higher court than that - but we're seeing that even those cases transferred to the Mercantile Court (a higher court than CC) are settled, albeit at a later stage.

 

I'm at LBA stage and getting a little nervous! However, reading many other posts on here, it's nice to know I'm not alone!!

 

Don't be nervous - have patience, stick to the process outlined, and keep the faith :)

 

Cheers

 

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

  • 2 weeks later...

Well, 14 days has expired since my LBA was sent (recorded delivery). I'll check the post when I get home from work. If there's no letters from Lloyds offering me a full, unconditional refund, then I'll be following the next step and proceed to issuing a court claim.

 

I guess the next step is to download the N1 Form and fill in all my details. Scary Stuff!!

:o

 

But... With the help, guidance and support of people on here, I'm determined to get my money back!

 

Wish me luck!

:)

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

Well, 14 days has expired since my LBA was sent (recorded delivery). I'll check the post when I get home from work. If there's no letters from Lloyds offering me a full, unconditional refund, then I'll be following the next step and proceed to issuing a court claim.

 

I guess the next step is to download the N1 Form and fill in all my details. Scary Stuff!!

:o

 

But... With the help, guidance and support of people on here, I'm determined to get my money back!

 

Wish me luck!

:)

 

It really isnt that scary, the first is always the worst. N1 hardcopy is the more satisfying and user friendly way to go about it, rather than MCOL.

 

Anyway you shouldn't be scared, You're Mr Incredible! Use your bank busting powers!:D

Link to post
Share on other sites

Thanks for the re-assurance Kate. Nothing in the post yesterday, so will be filling in N1 shortly. Have lots of other crap to deal with in the mean-time, including the conveyancers screwing up my re-mortage arrangements!!

:mad:

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

  • 3 weeks later...

Anyone else get a standard letter from Lloyds TSB recovery centre in Andover? Tel 01264 832297. There's an answerphone on there, but I've left dozens of messages - no reply.

 

What a surprise...

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

I wouldnt bother ringing them anymore, just stick to your schedule and file that claim

 

Absolutely!

 

Cheers

Michael

Please note that the right to reproduce any part of any post I make on this forum is restricted under copyright law.

 

Please see the following copyright statement

Link to post
Share on other sites

  • 2 weeks later...

Right - I'm filling in the claim form now! Wish me luck!!!!

Lloyds TSB

03/02/07 Sent S.A.R - (Subject Access Request)

15/03/07 Received statements (exactly 40 days after SAR)

15/03/07 Sent Prelim

21/03/07 Received standard response ack. Prelim

29/03/07 Sent LBA

 

Halifax

15/03/07 SETTLED

Partial Settlement (75% of claim)

Link to post
Share on other sites

Good luck ;)

Keep us all posted

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...