Ms Banana Vs Lloyds

[MSBANANA]

Hi all, I am just starting out, posting my LBA tomorrow... they owe me £1430.00 plus £180.37.... hope they don't make mine the first ever case to get all the way to court??!!

[BARTY]

Hi & Welcome!

I think most of think that we will be the first case to go to Court, it's only natural to be a bit nervous of the whole thing.

Good luck, let us know how you get on.

Barty:)

[MSBANANA]

ha ha thanks Barty!

 

BTW - I meant I am sending the initial request letter tomorrow - not the LBA yet!!! I am a tad confused me thinks:confused:

[darling1]

Yes you are msbanana !!!

take it slowly and follow all the great advice you will get on this site.. you will be fine!!!

[MSBANANA]

Right then! Prelim letter has been posted today, to the Birmingham address below....(I sent it recorded)

----------

Lloyds TSB

Service Recovery Department

125 Colmore Row

Birmingham

B3 3SF

------------

please can anybody reading this let me know if any of the above looks wrong?? I hop I have done it right....

also - does anybody out there know (roughly;) )how long LLoyds TSB action will take from now to court/payout ??

many thanks in advance for any advice/ tips etc...

[BARTY]

Hi

Address is correct.

How long will they take to pay up? It depends, 2 or 3 months at least, mine took 6 months.:o

Barty:)

[darling1]

Mine is taking forever started with prelim letter on 8th December , Still waiting for Arpil 13th to go to court to get allocation for the pending court case, two months wasted so far on that! The amount I am claiming is large, so it has added complications - So you cannot rely on the money for a "certain date" ( ), you will have too just take it slowly and follow all the steps, don't rush!

 

14 days after the prelim letter was sent, send them a LBA with an updated (if neccessary) schedual of charges, Don't forget to send it recorded.

No matter what, or if, they reply - just stick to your deadlines and plough on.....Good luck!

 

 

if I have been of help to you please be kind enough to click on my scales (on the LHS) thankyou!

[MSBANANA]

It was 14 days yesterday since I sent the prelim... Have been away at weekend and have a letter from the bank (literally outlining what they're gonna do to investigate my complaint etc - just a standard one methinks:rolleyes: )

have also got a card from the post office to collect a letter that needs signing for - will hopefully be able to find out what this is later today... could it be a cheque for 1.5K from Lloyds??? somehow I doubt it!! LOL

anyway - just to say the reply I had was from Andover - do I now contact them with an LBA, or will it be the same place I sent the prelim letter to?? (Birmingham address above)

any advice greatfully received, Ms Banana

[BARTY]

Hi

Yes that is a standard reply. I would send your LBA to Andover if that's where the reply came from.

Let us know if it is a cheque, very much doubt it though!

Barty:)

[MSBANANA]

ha ha - no it wasn't a cheque - it was some concert tickets! OH WELL!!

Right then - gonna send an LBA plus updated charges sheet to the Andover address asap then...

Does anyone know- if you add charges to the end of your spreadsheet, (ie the ones they took out since the prelim letter was sent) do I have to knock the charges off the beginning of the 6 year period?? cos I read somewhere you can only request 6 years back...?

 

Cheers, Ms Banana

[Bubzooks]

Hi - you are at a similar stage to me. I will watch your progress with interest! Good Luck

[BARTY]

Hi

You can claim 6 years of charges back from the day you submit your claim, so say you filed your court claim on the 15th April 2007, you could claim any charges from 15th April 2001 onwards. Hope that makes sense! You can add on any charges you receive up to the point of filing your claim.

Barty:)

[MSBANANA]

cheers barty!! yeah cool - that means I can add on the £90 they took out this month then!! EXCELLENT!

also - sorry to keep asking questions - I know the answer is only common sense, but dont want to do anything wrong,... on the LBA at the beginning, it's worded :

"I am very disappointed that you have failed to respond to my letter of the 12th March." they did reply - but only with a standard letter. is there any better wording that anyone knows of>?? PLS?? ta

[BARTY]

"I am very disappointed that you have failed to respond positively...." or somrthing along those lines.

Barty:)

[MSBANANA]

posted my LBA to the andover address today - recorded delivery...

getting nervous now!!

[chocolat]

Hi Ms Banana

 

I have just recived the same letter saying they are gonna investigate

I guess their just trying to stall!!

What exactly did you say in your LBA?

Im a bit thick with all this!!! :confused:

 

thanks

Chocolat

[MSBANANA]

hiya, I used the letter named LBA in the forum library... changed the 1st sentence as per 'Barty's' last comment above... hope this helps?

[darling1]

Good luck msbanana - 2 weeks from now, you will be able to file your claim with the court, you could go to the court now and pick up the N1 form in the small claim pack, it would be quite a good idea to do this early as you will have a chance to get a good look at what info you will need to complete it.

 

You can also find these forms on the internet and fill them in and then print them off. There is also MCOL where the N1 form is filled in on line and it is done over the tinternet, but on the hard copy N1 you have more space to give the particulars of your claim, sometimes LLoyds stall by saying you havn't given them enough info!

 

You could also start adding the 8% interest to the charges now and then nearer the time there will be less to do!

 

Obviously when filling the N1 the amounts that you are actually claiming should be left 'till the last moment as they may land you with more charges by then !

 

Stick to your timetable and keep the ball rolling along at YOUR pace - not theirs and good luck .

[MSBANANA]

thanks for all your help Darling1. I will get cracking asap!

[MSBANANA]

arrrghhh i am stuck, was going to do my claim on line, but been reading a post by Gary H that says lloyds have been using scare tactics and saying the online applications are embarrising in some way??! (don't get why)

pls can somebody let me know if i IS OK to do them online as find it hard to get into town when court is open... if so, what's the web address to get the online forms from etc?? sorry for being a thick-o, just not enough time to trawl through this website - there's SO MUCH to read, and I'm not getting anywhere!

many thanks in advance, MsBanana:confused:

[empowered]

The only reason they can be deemed as "embarrassing" is when people do not complete their POC properly citing cases and enclosing a complete schedule of charges. IMHO it is better to download the N1 form and fill out - it gives you much more room to get everything in! Don't forget to do three copies of everything and send to the CC with your cheque.

[MSBANANA]

thank you!! (does IMHO mean in my humble opinion by the way? i am rubbish at these forums ha ha!)

 

many thanks for the advice tho, why 3 copies?

[darling1]

The LTSB say that there is not enough info on the MCOL, so they use it as a delaying tactic. I find that doing the form N1 and delivering it to the court saves time in the long run as you can add any attachments to your claim and then just hand it in, you do not need to do it in person, but get receipts for the cash when you pay it in!! Good Luck

 

The N1 form can also be found on line and filled in - then printed off

[empowered]

thank you!! (does IMHO mean in my humble opinion by the way? i am rubbish at these forums ha ha!)

 

many thanks for the advice tho, why 3 copies?

 

Send or take three copies to the court - the court will stamp one of them and return to you, keep one copy for themselves and send off the third copy to Lloyds.

[MSBANANA]

well, had a very nicely written letter sent to me today (exactly 2 weeks since I sent the LBA) saying about how they (the bank) have to earn an honest crust etc... well not in so many words, but they tried to make it all sound very reasonable and friendly... bless them! they've never worded a letter to me that nicely before. I almost feel sorry for them... NOT!

 

gonna press on and file my claim - they obviously did not head my warnings!