Jump to content


jshtr3 v Lloyds TSB **WON** (no, really!)


jshtr3
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5157 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

HI

 

Got my statements from the "dark horse" and worked out they owed me £1700.00. Sent letter requesting my hard earned back on 3rd March. Recieved what seems like a standard "sorry we're too busy wasting your time to reply properly" letter and a leaflet this morning.

 

Think I'll file it under B for Bite Me! :rolleyes:

 

LBA going out on 19th march.

 

Just as a matter of interest (no pun intended) why don't you ask for the charges plus interest back in the initial letters?

  • Haha 1

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

  • Replies 229
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Talked a friend of mine into claiming back his charges. Started downloading excell charges calculator and noticed on the page the scentence about not including interest on the schedule. As I started this process through MSE I used the calculator on that website for both my claims and subsequently photocopied it for the LBA. Have I made the biggest cock up in the world and how do I sort it ?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

MSE advise to include the 8% from the start, as a negociating tool to get the bank to pay quicker. ie this is what I'll claim for if I have to file a claim. so why don't you just pay my charges now.

 

CAG does it by the book.

 

You haven't made a cock up, as long as you realise that if the bank offers just your charges before court claim, you must accept and forego the 8%

Link to post
Share on other sites

Thankyou, didn't fancy starting again. :)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Update

Just sent LBA, waiting till 2nd april now!!!! With any luck I'll have my dosh before christmas!!!!;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

  • 2 weeks later...

Recieved a response from Lloyds TSB this morning. Seems to be the standard "ours are service charges not penalty charges" thing. Obviously I'm going to stop this process now I know that!!!!!:lol:

About to file my N1 on monday and read a thread where someone had got round the "claim too vague" defence by putting something in the POC's. Does anyone know where or what it was?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Hi

I think you are getting mixed up with filing by MCOL, and you have to send a copy of your schedule after you have done your claim??

This should help if you are filing by N1:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Good luck, let us know how you get on.

Barty:)

 

 

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html I WON!!!!:D :D

If I have helped, please click my scales:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

Link to post
Share on other sites

Cheers for that Barty. Found the link about "too vague" in the sticky section. Sometimes it's difficult to see the woods for the trees!!! Appreciate the help

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Just got back from the court! Oh to file against a bank, in Britain, in springtime...... Lady in the office said it would be posted to LTSB tomorow as I missed the post!!! Have now convinced at least 8 people to claim against banks and got the ball rolling for them (including the bloke in the bacon sandwich van!!!)

Also, sent a reply to their non offer, told them I was disapointed and their behaviour reinforced my reasons for closing the account. Also said I was sure I would be hearing from them or their leagal reps very soon. Not soon enough me thinks!!!!

 

Calim is for

 

Charges - £1447.50

Interest - £546.24

Fee - £120

 

Total £2113.74

 

Revenge is a dish best served through the county court!!!!!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Recieved notice of issue from court this morning. Deemed served on 4th April and LTSB have till 18th to reply. Off to PM a mod with claim details.

TTFN

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

As a result of the "claim pre 6 years" announcement I'm writing to LTSB asking for statements before 2000. (I have a feeling these are the ones that will really add up!!!!)

 

Does anyone know if you CAN do this under the data protection act or is it just send a letter and a hope for a positive response? :confused:

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

  • 2 weeks later...

Just rang the court, No defence or aknowledgement filed by the SC&M people. Woman at the court said I could request judgement. Think this is not the right thing to do as they will apply for a stay and it'll take me longer to get the money they took!!! Is there a letter somewhere I can send to help speed up the process? :mad: Still no comunication about pre 6 years statements either

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Rang the court yesterday,still no acknowledgement, or defence. They have until 2nd may to defend. Have written to SC&M asking them to defend, Nothing from them either. My question is should I request judgement? Will this mean SC&M will ask for a stay (cos they didn't get my letter that they signed for?) Any advice greatly appreciated.

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Cheers Barty (always had you down as a Mr. till I saw your avatar) Just been to the court and filed for judgement. Thought it was probably the best course of action as at least it'll make them do SOMETHING!!!! Lady in court said I should hear something from them next week.

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

Sorry if I offended you Barty, hence forth, you will be seen in my mind's eye as Nicole kidman, as short and ginger as your avatar:D , and not my ex father in law (Bartholemew)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

  • 2 weeks later...

Morning all.

Recieved a letter from the court today saying that I have "Judgement by default" on 4th May. My question is what do I do now???? I assume they will apply for a set asside, how long do they have to get this in. Any help would be greatly appreciated.

Trev

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

You've got to laugh. Recieved a letter this morning from Lloyds dated 4th May (the day I got judgement in default) saying our solicitors are dealing with this matter!!! No they aren't :x

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

  • 2 weeks later...

It's all a bit pants really! Got judgement after writing to the bank with no response. Have written again and they have till Friday to respond, if not I'm going for a warrant of execution. Feels like I've propper got myself on side track and cos not many people go down this route responses seem slow. Just been spending time trawling the site looking for others in my position.It seems to be happening to quite a few people recently so thats some comfort:) (not for them of course!!) What's it been like spending your winnings? Noticed you got the cat a hat

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

So, I've got my N30 (judgement in default) and I'm sorting out my warrant today as they haven't replied to my letter (for a change!!!) My question is, in the section about applying for warrants it says I need a certificate of judgement to use the N323 form. Does my N30 count as this or do I have to use N293a combined warrant and certificate of judgement form. My head hurts!!!!!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...