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    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case  when he penalty charge is accepted.
    • gives them a feeling of grandeur. dx  
    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
    • thread tidied. new thread for the court claim is here  
    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lozzer vs Lloyds TSB for £4000***won***


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Hello everyone,

I've just sent a Letter Before Action to LloydsTSB, asking for my £3471 in charges and £519.31 in interest back.

 

And I'm justing starting a thread to say thank you to everyone here for sharing your experiences, for your advice, and for just generally letting people know that they're not alone, and that now we've all got together, the banks can't bully us any more.

 

I haven't heard anything back from lloyds as yet, but am just proceeding, according to my own timetable and the great advice available on this site. Hopefully, I should have my money back within a month or so then!

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Thank you Barty.

Just to tell everyone, I got a surprisingly nice letter from Lloyds this morning. No cheque with it, of course, but it does say that they're "sorry that you feel you have cause to complain", that they "carry on with our investigation using the information you've already provided" and that they "expect our enquiries to be completed within the next two weeks" and "hope we can sort things out for you". Of course, they've only got two weeks before I take them to court anyway, so they'd better hope their enquiries into the matter are resolved by then! Otherwise, I reckon they're only going to have to fork out the extra 8% interest as well.

I'll keep you posted.

Good luck everyone who's involved in the same fight

-Lozzer

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okay,

it's coming up to that time...

 

I was thinking I'd use moneyclaim online to file my claim, which is for around £4500 including interest, but I suppose I could just as easily send off an N1 form.

Does anyone have any reasons why I should use one method rather than the other that I'm not aware of?

 

thanks

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I cant stress too much Use An N1 there is very little room on the mcol form so its impossible to put any detail, I had a claim struck out for this.

Luckily after a lot of help and work by memebers of the group it was reinstated. You should also send a copy of the spreadsheet with the N1, another thing you cant do with mcol.

 

read the specimen claimsa nd FAQs and you will win

 

Good luck

John

You may think that but . . ......

____________________________________

Total repaid to date £1947.58

 

Lloyds Currrent a/c £745.27

Moneyclaim filed 17th June

Defence and AQ 25th July. Case struck out 11 Aug

reinstated and hearing 15th Jan 2007

 

Lloyds loan a/c D A request expired 19th June

Proceedings under S7 Data Protection Act issued 29th June defence and counterclaim 27 July

Hearing Jan 3 2007

Listed final hearing April 2007-

Judge declared an interest and disqualified himself

new date to be set

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Many, many people have used MCOL successfully,

 

You need to follow the guidelines and send a schedule of charges to the court offices and to the solicitors at the same time you issue a claim.

 

Crustygit - I remember your post very well. You never did say what your Particulars were in order for the claim to be struck out, despite numerous requests from people who wanted to help you. Instead, you struck panic into people. I am glad you got your claim reinstated and your money back but your reluctance to put those details still leads me to believe that you did not use the standard particulars of claim which is on the site, in the first place.

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/27282-case-struck-out-beware-2.html

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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wait, did i speak too soon...?

 

It is up to you - if you are not confident, use the N1. All I am saying is that a lot of people, thousands, have used MCOL successfully. And I was pointing out that Crustygit's reasons why not to use it was very lacking in detail as to why his was stuck out. In fact, it is the only one I have heard of being struck out in over 12mths of using this site.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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Dolly, May I point out that the templates for mcol did not exist when I sumbitted my claim, however I would still advise using the N1

You may think that but . . ......

____________________________________

Total repaid to date £1947.58

 

Lloyds Currrent a/c £745.27

Moneyclaim filed 17th June

Defence and AQ 25th July. Case struck out 11 Aug

reinstated and hearing 15th Jan 2007

 

Lloyds loan a/c D A request expired 19th June

Proceedings under S7 Data Protection Act issued 29th June defence and counterclaim 27 July

Hearing Jan 3 2007

Listed final hearing April 2007-

Judge declared an interest and disqualified himself

new date to be set

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  • 1 month later...

just to let you all know, everything seems to be going according to plan. Today I got notice that they filed an acknowledgement of service (just in time!) and that their solicitors are Sechiari, Clark & Mitchell.

I wonder what the defence will be...

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  • 3 weeks later...

Ha, that's it exactly Guido T.

 

I need to start thinking about filling in my AQ about now. I see there's a new approach being taken by some people, but haven't got my head fully around it yet. A question for anyone who might know, that might make it a moot point .....

 

If I'm worried that when I was working out how much overdraft interest to claim back I might not always have counted it from exactly the right date, would I be better off sticking to the old approach?

 

apologies for my ignorance and many thanks in advance if there is anyone who knows

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I do not see how the date of your interest calculations are relevant to the New AQ Strategy. If you want to see how to adopt the New Strategy it maybe easier to follow my thread (post 91 on wards):

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47207-guido-t-lloyds-tsb-5.html

 

If you need the attachments I have them altogether, private message me with your email address and I will send them to you.

If I have been helpful please click on my star and add a comment.

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Thank you Guido T,

I just thought I'd read that somewhere, and I want to be competely confident that i've done everything right.

I'll have another thorough look through your thread.

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  • 4 weeks later...

Last week I got a "General form of judgment or order' from the court, saying that Lloyds had until June 14 to file their allocation questionaire or the defence would be struck out.

 

How do I find out if they filed in time or not?

And assuming that they did, what should I be doing next?

Do i need t get in touch with the court?

 

any suggestons / reassurance greatfully received.

thx

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Ok, I rang the court this morning and no, Lloyd didn't file their AQ in time and have had their defence struck out.

Which I'm taking as very encouraging news, but I'm not really sure what to do next. The nice lady from the court said something like I can enter for a judgement, but i've forgotton exactly what it was she said.

Any suggestions?

many thanks

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Thank you, once again, Guido T.

 

But... the N225 form only has options A) - Lloyds hasn't filed a defence or admission; and B) - Lloyds admits it owes me money. Neither of these seem to quite be the case, it's more that they didn't submit an AQ. Would I still tick box A?

 

Also, would it not be a good time to try and contact the bank directly and offer them another chance to just pay up?

 

Lastly, does anyone think I'm nearly there yet, or is it likely to still be a long time before I actually see any money?

 

thanks everyone

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