E. I. Addyo V Lloyds TSB

[eiaddyo]

Hello All,

 

First ever post.

 

Called Lloyds this evening querying £90 Overdraft "Fee" and was told that it was a charge because "I was using Lloyds money not my own."

 

That's it - I've had it ......... DPA letter in post tomorrow morning for all 5 of my accounts (plus hand deliver copy to Branch) - the ball is rolling.

 

I've lurked this site before but had convinced myself that if I managed my finances better that I wouldn't get these charges.

 

Wish me luck ....... I'm sure you'll see more of me

 

E. I. Addyo

[Guest Lueeze]

Good Luck

 

Dont forget to include your £10 and send it recorded delivery!

 

Louise xx

[eiaddyo]

Hello All,

 

Received my Data Information today - 2 anonymous envelopes marked Private & Confidential - 2nd Class post.

 

My original letter was posted on 20th May 06.

My payment cheques has Not been cashed.

 

So not a bad turnaround I suppose.

 

They have included a set of front sheets that shows all "charges" & "fees" , an explanation of all abreviations and copies of my statements - for the accounts as requested.

 

Also they identified 2 sheets missing from 2000, with a promise to forward asap.

 

A very quick tot up for both of these accounts of all the items that say O/Draft Excess Fee or Returned S/O Fee gives a total of

 

£952.00

 

 

I will do an in depth review tonight and see if this is all.

 

 

The next step is completing the Spreadsheet.

 

 

Would be interested to read other posts or replies from someone who has already done this .......

 

 

Many thanks

 

 

E.I.Addyo

[eiaddyo]

Quick Question.....

 

 

I understand I can claim for "O/Draft Excess Fee" but what is "UNPAID D/D" and can I claim that also?

 

E.I.Addyo

[Seminole]

A charge for bouncing a direct debit? If so, then it's probably recoverable.

[eiaddyo]

Thats what I thought but read this :

 

 

10/10/2005 CHG UNPAID D/D 315.00 DR 37 (Sheet Number)

 

 

Surely not ? - £315.00 CHARGE ????????? Never.

 

 

Just looked at that particular sheet online - and nearly fell off my seat. There it is in Black and white........

 

On that day LLOYDS TSB removed from my account, charges totalling : £411

 

I cannot believe it ....... WTF are they doing ?

 

Or am I missing something here ......

E.I.Addyo

[barracad]

10/10/2005 CHG UNPAID D/D 315.00 DR 37 (Sheet Number)

 

Are you sure the £315 is not the amount of the DD that bounced? If you look in the debits column next to this charge it should tell you how much was actually taken.

[eiaddyo]

Checked the Debit Column on the Statement

 

went from approx 1300DR to approx 1700DR so it was definitely taken out of the account, along with interest charge and OD Excess Fee..

 

It is so large a figure it must be the value of the Direct Debit musn't it ?

 

But why would it have CHG (Charge) in the Type column.

 

All my other Direct Debits have DD in the column plus the name of the Account.

 

I've checked a few sheets back from this & it must have been a particularily bad time because I had upwards of £1200 in bounced Direct Debits - about a months worth - could this be a charge for them - there were at least 9 of them - that would appear to be £35 each.

 

It must be a charge - theres only a few like this in the list.

 

E.I.Addyo

[eiaddyo]

Right then,

 

been through all of my DPA info and transferred all the charges to the Spread sheet.

 

Total is £1,641 plus interest of £139.24

 

 

About to draft my preliminary request letter. Do I include the interest at this stage - all of these charges have been applied whilst I was in Overdraft - I'm always in Overdraft (LOL).

 

 

E.I.Addyo

[eiaddyo]

Hello Folks,

 

Another quick question(s)

 

I've read in various posts about "Defaults" but I don't really understand what that means. Can anyone explain please ?

 

I've just handed in my Prelim letter to Customer Care at 125 Colmore Row in Brum (This isn't the Colmore Row Branch BTW)

 

& I have taken out the bit about Defaults in the letter - I haven't had any - I think.

 

So whats the next step ? Waiting for the standard "bugger off peasant" letter then an LBA I presume.

 

I haven't as yet set up my parachute account - I gotta do that quick I suppose - but all the banks I've raised the question with want previous statements, firstly these make pretty poor reading due to redundancy, now self employed and 2 kids arriving, and secondly I dont receive paper statements anymore since using online banking.

 

Any recommendations for a quick turnaround ?

 

E.I.Addyo

[eiaddyo]

Hello All,

 

quick response from LLoyds, prelim letter hand delivered Monday, replied today (Thurs) :

 

Get Lost Peasant ........ this is the banks final response ......

 

Ok - do I have to wait for the full 14 days for the LBA or should I send it off now ?

 

E.I.Addyo

[sequenci]

Hello All,

 

quick response from LLoyds, prelim letter hand delivered Monday, replied today (Thurs) :

 

Get Lost Peasant ........ this is the banks final response ......

 

Ok - do I have to wait for the full 14 days for the LBA or should I send it off now ?

 

E.I.Addyo

 

send it now i would say, certainly include the interest.

 

in the mean time it is worth getting all gen'd up with the county court practices, buy the book that is being advertised on here INVALUABLE!

 

best of luck!

[eiaddyo]

hey sequenci

 

got my self a little confused - I'll try to explain.

 

DPA request was for 2 accounts.

 

I put together my original letter and added all the items together for a total - unfortunately I headed my letter with just my primary account No. (Not both of them)

 

Now I have used Vampiress Spreadsheet to work out the interest (using the before court sheet) on each unlawful charge for both accounts.

 

I now have a new total for both accounts.

 

This new total is £2075 which includes the interest on each charge - this is about £400 HIGHER than my prelim letter amount.

 

2 Questions :

 

When I do my LBA it will be for both accounts jointly - any problem here being as I only mentioned my primary account on the prelim ?

 

My Prelim letter did not include any interest whatso ever - ok to include for LBA ?

Personally I regard my LBA as a final demand, calculated for everything owed to me - the prelim letter was a shot across the bows - if they had settled at that I would have been chuffed.

 

What do you think ? Carry on regardless or resend prelim ?

 

E.I.Addyo

[eiaddyo]

LBA Hand delivered today into 125 Colmore Row in Brum.

 

Now going to research next step in these forums.......

 

Any advice appreciated

 

E.I.Addyo

[eiaddyo]

Hello All,

 

Lloyds are defending !!!!!!

 

What do I do now ?

 

E I Addyo

[eiaddyo]

Hello Everyone,

 

Just received the Court Questionnaire.

 

Any advice ?

 

EIADDYO

[eiaddyo]

Hello All,

 

Received today (20th Sept 06) a letter from Sechiari Clark & Mitchell with lloyds Allocation Questionaire attached.

 

2 points they have asked for a acknowledgement of safe receipt and also that I forward a copy of MY Court Allocation Questionaire.

 

Firstly, I assume it is OK to acknowledge the receipt of the AQ and secondly I cannot forward my copy of the AQ as it's already been returned to the Birmingham Courts. (foolishly I sent the ORIGINAL back and didn't keep a copy)

 

On THEIR AQ - i've noticed a couple of things - they have ticked the box for "Settlement" to be postponed for a month to attempt resolution !

also they have ticked the box for an additional witness.

 

What do I do now - acknowledge safe receipt and wait ?

 

Thanks E.I.Addyo

[quincy]

you're in EXACTLY the same boat as me my friend... just waiting now!

i too wondered about the witness and month to reslove stuff but read on here to just sit and wait...

i did ring to acknowledge but they didnt seem interested!

[eiaddyo]

Hello Quincy,

 

glad to know there is someone at the same stage as me. I will write tomorrow to acknowledge receipt of their letter.

 

Please post in this thread if anything happens your end, and keep watching here for any developments with me.

 

E.I.Addyo

[quincy]

will do

[eiaddyo]

Hello All, received this a couple of weeks ago - don't really know what to do now .......

 

 

DISTRICT JUDGE DAVIES orders that this claim is stayed until 22 November 2006 to enable the parties to attempt settlement.

On or before 06 December 2006, one of the following steps must be taken:

either

the claimant must notify the court that the whole of the claim has been settled; (see note (i) below)

or

the claimant or defendant must write to the court requesting an extension of the stay period, explaining the

steps being taken towards settlement and identifying any mediator, expert, or other person helping with the

process. The letter should confirm the agreement of all the other parties, (see note (ii) below)

or

all the parties must file a completed allocation questionnaire at the court. Where a settlement of some of the

issues in dispute has been reached, a list of those issues should be attached to the completed questionnaire.

The list must be agreed with the other parties and must indicate that it has been agreed.

Date 25 October 2006

Note (i): Where settlement of the claim is achieved before the end of the period of stay, the following will be taken to include an application for the stay to be lifted:

(a) an application for a consent order to give effect to the settlement

(b) an application for approval of a settlement where one or more of the parties is a person under a disability: and

© the filing of a notice of acceptance of monies paid into court, or an application to accept monies paid into court out of time. Note (ii): Extensions to the period of stay will generally be no more than 1 month

[eiaddyo]

Hello all,

 

it's all gone VERY quiet .....

 

No communication from SC&M, the Courts , the Banks - nobody.......

 

 

Who do I chase ?

 

The Courts or SC& M ?

 

thanks E.I.Addyo

[BARTY]

Hi

I'd give the Courts a ring, I take it you haven't got a Court date yet? Don't bother ringing SC&M, you won't get anywhere.

Good luck!

Barty:)

[eiaddyo]

Barty,

 

thats right - last communication was the notice of stay above.

 

I'll try talking to the court and see what that brings.......

 

 

E.I.Addyo

[eiaddyo]

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