Wilky423 v Lloyds TSB

[wilky423]

Hi there, quite new to the CAG site, but have been with MSE for a while now.

 

Downloaded my charges from the online banking in order to save some time.

 

Q1. if it gets to the court stage, will downloaded information i.e. figures on a spreadsheet suffice ?

 

Q2. I sent my 1st letter on the 12th Mar, they have not wrote back as yet, but as I did'nt formally request the information how can I confirm that they are looking at my 1st letter ?

[curlychic]

Hello and welcome

 

Did you send a summary of charges with your letter ? and did you send recorded mail ?

 

___________________________________________________

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

If I have been helpful click the scales

 

SAR sent 18/12/06

Statements received 02/02/07

Preliminary Request sent 05/02/07

Standard ‘No’ letter received 15/02/07

LBA sent 16.02.07

NO RESPONSE

Court Claim sent off 05/03/07

Claim issued 14/03/07

Claim Deemed to be served 16/03/07

 

 

[wilky423]

Hi Curlychick.

Yes sent the spreadsheet with the summary, but no did'nt send recorded.

[curlychic]

Always send by recorded delivery, that way you have a record of when it was delivered and they cannot try to fob you off.

 

You can 1 of 2 things.....

 

wait the suggested timescale for a response.

 

or

 

phone them and ask if they are dealing with your request.

 

In phoning them you should get some form of clarification that they have recieved your letter, but it may appear as though you are not sure what you are doing.

 

Personally i would just sit it out and wait for a response, but its up to you x

 

_____________________________________________________

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

If I have been helpful click the scales

 

SAR sent 18/12/06

Statements received 02/02/07

Preliminary Request sent 05/02/07

Standard ‘No’ letter received 15/02/07

LBA sent 16.02.07

NO RESPONSE

Court Claim sent off 05/03/07

Claim issued 14/03/07

Claim Deemed to be served 16/03/07

[wilky423]

Many thanks, I will sit it out I think.

Will keep this thread updated on my situ.

Fingers crossed.

Looking at your signature, today (16th) should be the serving day.

[curlychic]

Yep, my claim is being served today

 

Nearly there

 

Good luck with your claim

 

 

[davethorp]

To answer Q1 if you print your statements out from internet banking it should suffice but only send this to the court once the case has been allocated and you've been asked to submit evidence bundle.

 

Until then the spread sheet print outs will suffice.

 

Welcome to forum and good luck BTW

[wilky423]

Many thanks Davethorp, will keep my progress updated on here.

[wilky423]

I think I might have fallen at the first hurdle

 

I sent my initial letter to my branch rather than the head office.

 

Do I need to send it out again ?? or should I give them a little more time to make sure it gets to the right department.

[Michael Browne]

Not at all. Lloyds administrative problems are nothing to do with you. Send the LBA.

[wilky423]

Many thanks Michael - they have until 27/3 before I file my moneyclaim

[Michael Browne]

Have you sent both the prelim and LBA letters?

 

I sent my 1st letter on the 12th Mar,

Which means you should send the LBA on the 26th/27th, then file at court 14 days later.

[wilky423]

Sorry Michael.

I downloaded my statements from online banking, converted them to a spreadsheet & sent this along with a letter to the branch requesting the money back. (I think this is step 2).

 

I am waiting for 14 days for them to reply.

[Michael Browne]

I am waiting for 14 days for them to reply.

At which point you send them the LBA, wait 14 days and then file ie you have given them 28 days in total before issuing a claim at court

 

3. Letter before action - Consumer version - asking for it back

[wilky423]

Many thanks Michael, yup looks like im right at the start of things, will give them till 27th then send the letter above.

[wilky423]

Received a standard letter asking for 4 weeks to look into the complaint

 

Sent off my second letter giving them a further 14 to settle.

Heres to the middle of April.