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jennifer1268 vs lloyds ****WON****


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Just wanted to introduce myself and say what a fantastic site this is. My name is jennifer and i've been lurking around for a while, reading lots of posts about the unfair bank charges and the reclaiming of them and now i feel brave enough to do something about it myself. There's something i've been wondering about though, we have quite a large loan with Lloyds, if we are successful in reclaiming back unfair charges (approx £1400) would they just knock it off the balance of the loan instead of paying it into our current account do you think? Can they do that? Probably a stupid question but i really don't know!! Thanks for reading this and for any help you can give me :) Jennifer

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would they just knock it off the balance of the loan instead of paying it into our current account do you think?

Your loan is covered by a completely separate agreement and won't be affected by a claim on your bank a/c. Unless you are in arrears on your loan.
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Hi Jennifer,

 

Welcome to you, and first point thiere is NO such thing as a stupid question! There is a lot of information to take in so it is good to take your time and be comfortable each step of the way.

 

As the loan would be a different account / agreement i don't believe that they can apportion your money there. I am sure one of the wiser heads here will hopefully confirm this.

 

It would be worthwhile starting a "jennifer1268 v Lloyds" thread in the Lloyds forum :- http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ that way people with specific experience with Lloyds can assist.

 

Very best of luck

Any advise offered is my own opinion, and if in doubt, always seek clarification.

[

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  • 4 weeks later...

Thank you (belated) for the replys to my previous post, I appreciate you taking the time to answer me. I'm ashamed to admit that I lost my nerve for a while but after reading through hundreds of inspiring posts i'm determined to go through with it. I sent my preliminary letter last week but i think i may of sent it to the wrong address! I sent it to Gresham St, London. If it is wrong, hopefully it'll be forwarded to the correct dept? Anyway, i'll keep updating on my progress and thank you for such a brilliant site:)

 

Jennifer

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Hi Jennifer,

I sent mine to the Birmingham address, but they should forward it on to the correct department for you.

Don't forget we are all here to help you, so just ask if you have any questions.

Barty:)

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:)

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Well, had no response to the preliminary letter. The 14 days are up and the 2nd letter is due to go. I just wanted to check first, should I send it to the same address as the first letter (Gresham St. London), or should I send it (and a copy of first letter incase not rec')to the Andover address? I just checked on the Royal Mail website and it says the letter was del from their E. London del office but an electronic p.o.d is not available so i'm not sure if it's been received or not. Any replies gratefully received, thanks. Jennifer

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Hi, i could really do with some advice please!! A few months ago we missed a payment on our mortgage (which we have through lloyds) and we had a payment plan in place to repay it at 20.00 per month in addition to our normal mortgage payment. Anyway, about 3 weeks ago we had a letter from lloyds collections to say that they were pleased to offer us the chance to add these arrears on to our mortgage balance, so we wouldn't have any arrears. They said to ring them and they will put this in place. We did ring them and we were told it should be completed in 2 to 3 days. Then we stupidly sent our preliminary letter requesting repayment of charges, aaargh I could kick myself) We phoned a week later to check if the arrears had been added to mortgage balance and it hadn't been done! So, we requested for it to be done again and we were told it would be done and completed in about 2 to 3 days again. Anyway, today (2 weeks later) we have received a letter from lloyds collections saying they notice we are slightly behind with payments!!! We phoned again and it's still not been done but we were told the same old thing again, it will be done, blah,blah. Now obviously you can guess what i'm thinking, are they doing this on purpose because we're claiming? and if so what can i do about it? I'm so stupid, i wish i hadn't sent the preliminary letter until they'd sorted it out.:( What should i do now?

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Hi Jennifer,

 

I think you are jumping to conclusions a little, although i can understand why.

Although retalitary action cannot be ruled out, i think it unlikely. the OFT would frown on this action if they were to do it.

I think you need to quiz them as to the exact reasons why it has not been done, and get a committment out of them as to exactly when it will be done.

I guess things are tight at present, but i think you will end up paying a lot of money in interest if you do add this to your mortgage balance. You may be better off sticking with the repayment plan anyway, if you can afford to. I too am behind with my mortgage, and thought about this option, but was advised against it by the Consumer Credit Counselling Service. Might be different for you though!

 

Let us know how you get on!

 

Pondfish :)

  • Haha 1

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Thanks for your reply pondfish. You're right, i probably am jumping to conclusions, i always tend to look on the black side when it's anything to do with me! I'll give them a few days and then i'll phone to see if they've done it. I'm debating whether to send the Lba now (14 days are up) or wait until we get something in writing stating that it's been done. I'll keep you updated and thanks again, i've given you a click:)

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Thanks for the click! :)

 

i honestly don't think delaying your LBA will have any difference at all! If they are taking retalitary action, then they have all ready decided on that route, and the LBA will make no difference.

However, if you are not in a rush to get these charges, then hold off a little longer for your own piece of mind.

 

Anyway, i'm sure it'll all be OK, so relax. Don't let these people ruin your day, infuriating as they undoubtedly are.

 

Keep us posted!

 

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Hi all, just a quick update. Spoke to Lloyds yesterday about arrears i was worried about (re offsetting) and they say it's definately been done now and account is now under branch control rather than collections. So, sent Lba off yesterday and now just sorting through some stuff to sell on Ebay to help towards court costs:). I'll keep you updated. Jennifer

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Hi jennifer,

 

Glad that's sorted for you! :)

 

Hope you don't have to get rid of too much on Ebay - but it's going to be worth it in the long run.

 

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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  • 4 weeks later...

Hi everyone, just checking in with an update.

 

I had no reply to my LBA so I downloaded the N1 from template section, attached schedule of charges, checked it over 5000 times and took it (x3) to local court on thursday. The lady there said we would receive our copy back in post with seal on in about 5 days. So now just waiting to see what happens. I will post again as soon as i hear something. Hope everyone else's claims are going well.

 

Jennifer

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Hi Jennifer,

 

Well done so far.... just a little waiting to do now. As you said the courts should get back to you soon.

 

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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Well i didn't have to wait long:) the forms arrived today just after i finished posting on here (with ink smudged on the back and name spelled as junnifer, but hey i'm not one to pick faults):rolleyes: It says the defendant has until the 8th may to reply so i'll let you know what happens.

 

Jennifer

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Hi Junnifer! ;)

 

I expect Lloyds will enter an acknowledgement of service witch will give them a further 14 days to enter a defence. This seems to be the standard stalling tactic used now. Nothing you can do except read up and prepare for the next stages.

It's worth reading up on Allocation Questionaires as this will be your next step if Lloyds defend. There are currently a couple of methods used on this site when you respond to the form sent out by the courts. See the Templates section for info regarding this.

 

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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  • 3 weeks later...

Lloyds haven't replied yet:( On the Notice of Issue it said they should've responded by the 8th may but i've heard nothing, not a sausage. I'm not sure what to do now...should i give them a few more days do you think?? And if so, what should I do when those few days are up if i've still not heard anything? Any help v much appreciated.

Jennifer

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Hi Jennifer,

 

Try giving the court a ring and ask if they have recieved anything yet. Point out the date has expired and ask thier advice.

 

Pondy :)

LloydsTSB - Current Account claim £5,554 settled unconditionally 25.4.2007 :D

If the Pondfish has helped click his scales! ;-)

 

Please donate to this site if you can! :-)

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I've just phoned the court and spoke to a helpful lady, i explained the situation and asked if i should wait a bit longer and she said 'why wait'!!! She then checked on p.c. and told me they'd received an acknowledgement of service from Lloyds today. So, back to waiting some more...:rolleyes: Thanks for your advice pondy:)

 

jennifer

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