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    • OK, relenting on my above irritated post ... It's worth defending it.  At the very least they are likely to offer a deal. Plus  PE have added two completely invented amounts.  The £100 charge has morphed into £125.  Then they've added £50 legal representative's costs although they have no legal representative.  Even if it went all the way to court and you lost, the  judge would likely disallow the made up £25 + £50. Please fill in the sticky as dx asked. Then dx will be on with details of how to defend.
    • Quite interesting that the Conservative East Midlands  Mayor candidate doesnt mention conservative on his promotion LOL   but he does claim that he, a Conservative politician, is the man to fix the 14 years of Conservative devastation of the region - inc 'fixing' problems inc the utter devastation of the roads, bus and train services that his party have  imposed   Must all rotate around the meaning of fixing he actually means .. fixing noun dishonest activity to make certain that a competition, race, or election is won by a particular person:   .. or perhaps he just means 'fixing' - preventing change
    • Yes, absolutely normal for them to waste everybody's time and money by asking for more time – which they are entitled to do, of course – but it is simply a waste of time. They use prepared template defences. They know they are in the wrong but they simply want to make your life tough because they don't care about you. However do keep an eye out. You never know there is just a 1% chance that they could miss the deadline in which case you should apply for judgement immediately.
    • Will check back in when the SAR from MCB is back and get advice on how to raise the formal complaint and what to say x
    • With the best will in the world stop being an idiot.   Feeling bad because of a soulless entity that couldn't give a **** about you.   Life happens, it's how we move on.   SAR to MCB. Once info is back, raise a formal complaint.
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MrIncredible V Lloyds TSB


mrincredible
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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)

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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)

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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
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  • 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)

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*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)

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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)

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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)

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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

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  • 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)

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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

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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)

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  • 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)

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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

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  • 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)

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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

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