Ms Banana Vs Lloyds

[darling1]

Yes you are msbanana !!!

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

[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!

[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 .

[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

[darling1]

I am going to court tomorrow, and as we have realised now, we live in the same area....and fairly close!!! I will pop it over to you friday pm, does that help you????

Let me know!! - PM me if you want.

Darling1

[darling1]

As long as they can get away with not paying is about the time you will have to wait!! LoL!

 

Mine took 3 months from filing to paying up, they paid up on the eve of us going to court for a prelim hearing (this was after the AQ stage).

 

Good luck - hope yours is one of the quicker ones!

[darling1]

You can PM me if you want (or call me) I will help you go through it. It isn't really that difficult to do, But good luck:-) . As Barty said above you get the money back as part of your costs ...

 

good luck

Darling1:wink:

[darling1]

Phew - well done msbanana, its a big old document - how much did it cost to do all that copying ----and will you be able to put that in for expences at the court case - my worry with that is that it never gets to court and therefore you never get the expenses back!

 

See my thread - in the same court as you are going to - Lloyds paid up the night before - and I still had to see the judge to agree that I was happy -maybe at that point we should have asked for expenses to be taken into acount! When I say "I" the win was actually for the OH but it all gets spent the same!!!:o

 

I am around on the 10th sept if you need someone to hold your hand! I am NO legal eagle..but I can be there for you - if no-one else is available, although I really don't think it will come to that! GOOD LUCK!

Darling1

[darling1]

Any news yet? - the date is getting pretty near :o

[darling1]

The problem is -as is usual - you are in financiall difficulties in the first placce and that is why you have all these charges against you.............so having to keep shelling out on the court fees adds insult to injury.

Does anyone know how long this test case is going to take and WHEN?

[darling1]

http://www.consumeractiongroup.co.uk/forum/oft-test-case-updates/126399-oft-test-case.html

 

that is the thread that I am following or at least trying to! Its very long and goes off topic quite a lot - but over all it keeps me up to date...I think!!!!!!

Hope that helps? - now, go and get a cup of (redbush!) tea and settle down for a long read!

Nice to see you here again.............................Darling1:p