R33 vs Lloyds TSB ****WON****

[r33]

Hi all, well here goes I sent my 1st letter today asking Lloyds TSB for £795 charges back. I'll update thread when i've heard from back from the bank. The only thing that I'm a little nervous about is filling in forms so I'm hoping that they settle before i need to fill in the Summary Cause forms for court action.

[Guest Niklowe]

Hi R33,

 

Don't worry there plenty of people here that will help you if you need it. By that time comes you'll probably be a wiz here anyway.

[stevokenevo]

Hi all, well here goes I sent my 1st letter today asking Lloyds TSB for £795 charges back. I'll update thread when i've heard from back from the bank. The only thing that I'm a little nervous about is filling in forms so I'm hoping that they settle before i need to fill in the Summary Cause forms for court action.

 

You wont have any problems ;-)

 

I copied almost exactly the info here ~~> http://www.consumeractiongroup.co.uk/forum/scotland/6165-scottish-procedure.html

 

And was succesful with 2 claims against LTSB, they settled them both 2 days before the court hearing date, they like to make you sweat, but dont take it personally ;-)

[stevokenevo]

PS i dont suppose R33 has anything to do with nissan?

[r33]

Do lloyds TSB always close your account if they pay out.

 

PS - No the R33 just my works badge I.D.

[stevokenevo]

I have not heard of any instances were LTSB close accounts. If they did this would be seen as retaliatory, and this would be unlawful also.

 

Good Luck

[r33]

A couple of questions if someone could help.

1st - The account i'm claiming on is a joint account, should i have had my wife also sign on the bottom of the claim letter or was my signature enough.

2nd - I sent the first letter claiming unfare charges to my local branch recorded deliver, was this the correct place to send this or should I have sent it elsewhere.

 

Thanks in advance for any help and advice.

[Bigmac versus]

1/ Joint account: both sign letter.

 

2/ Local branch will just forward to head office.

[r33]

Thanks bigmac.

 

I'll get the misses to sign the lba letter when i sent that off.

[r33]

Well I received a letter from the bank today to say they have received my complaint and it will take about 2 weeks for them to investigate my claim. I’m due to send my LBA letter this Tuesday, so do I go ahead and send the LBA or give them 2 weeks to investigate the claim:idea: . Any advice welcome thanks.

[stevokenevo]

You send the LBA 14 days after the prelim, it is your timescale, not theirs!!

[r33]

I’m due to start a Summary Cause next Wednesday, the only thing I’m a little worried about is getting caught on a technicality and having to pay court costs because it’s a Summary Cause. The only thing I have done wrong is when I sent the first letter requesting my charges back I signed the letter myself forgetting that it was a joint account with my wife, but both of us signed the LBA. Does anybody know if this is something I should be worried about? Any advice is much appreciated.

[r33]

Sorry I haven’t posted for a while but here the story so far, got the usual response (Our prices are fair and we have to act quickly Blah, Blah, Blah). Went to Hamilton sheriff court and raised a summary cause, got my paperwork back from the court on Friday and I’ll be going to the sheriff’s officers tomorrow to serve on Lloyds. My return date is 24th May and court date is 31st May. I know from reading some threads that I’ll call the court the day after the return date to see if Lloyds are launching a defence. It’s the next step that I’m a little vague about so any advice would be much appreciated.

[Jaybabes]

If it goes to the hearing date this is just a preliminary hearing so the judge can ascertain if you and the bank can come to an amicable agreement, if not then a proper hearing date would be assigned... dont worry tho, very unlikely it will come to this and if it ever did theres no need to prepare any documentation for the initial hearing... ur only a day ahead of me LOL my return date is 25th May and hearing date is 1st June

 

Keep us posted.... be watchin with interest as I'm with TSB as well..

 

Jaybabes

[stevokenevo]

It’s the next step that I’m a little vague about so any advice would be much appreciated.

 

The next step is keep an eye on your bank balance and watch for a healthy deposit dropping in before the hearing date ;-)

[r33]

I recieved form 1 Summary Cause back from the SO, i read in another post that once form 1 has been sent back from the SO i should then hand them back into the court. Is this correct as i thought that i just called back the day after the call back date to see if bank are defending. Could someone please advise thanks.

[gurggles]

I am at the same stage as you and also doing a summary.When you get the form 1,1b back from the SO,you must take it back to the court before the first date or YOU will lose through default

[r33]

Thanks Gurggles.

[stevokenevo]

I am at the same stage as you and also doing a summary.When you get the form 1,1b back from the SO,you must take it back to the court before the first date or YOU will lose through default

 

From what i can see your talking nonsense!!

 

It states quite clearly on the guidance notes, the forms should be returned 2 days before the calling (or hearing) date

 

If you do not return the forms by the return date, you will NOT lose be default as you have been misinformed above.

 

S

[Jaybabes]

I was also told by the SO that I had to return my papers to court after they had been served.... it would appear the court expected them back also

[r33]

Thanks guys, i took the forms back to the court today anyway. I'll post back on the 25/5 the day after my call back date and let you all know if the bank have responded to the summary cause.

[r33]

WOO HOO I WON.

Just went onto internet banking there and noticed that all money due plus interest put into my account so i'm well chuffed. Thanks to everybody for the advice and i'll be making a donating soon.

[Bigmac versus]

Congrats to you.

You must be feeling great.

Will get this up as WON for you.

[r33]

Cheers Bigmac,

 

£1014 put into my account today, pleased with that as my initial amount was for only £795.

[Bigmac versus]

Superb, changed title will follow, another victory and you could take the world on now i bet.