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Butterfly v lloyds ***WON***


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Hello All

 

I used on-line banking to calculate all excess bank charges for the period of 2/7/2002 until the present day . To my amazement this figure was £3500 ( without interest) I have written to the bank using a template requesting that they repay all funds ( with schedule of charges). However my concerns are that currently i have an overdraft of £850 and also am in arrears with a personal loan due to a period of unemployment. The amount i owe does not exceed the amount i have been charged. I assume if the bank starts proceeding against me for these outstanding monies that i could make a counter claim for the monies that i am owed. ?

 

I have tried to open another bank account however i have been refused due to a poor credit rating ..

 

I issued the letter on the 26/2/2007 so i await with bated breath for the standard " bog Off " letter.... I have thought that i am not going to hang around on this and as soon as the 14 days elapse , if i have no joy i will issues the letter re; court action and then take the necessary steps through the small claims court . ( obviously using the Steps from the site )

 

To be honest this really scares me i am not legally minded etc... and generally would rather run than challenge !!! however i could really do with the money to pay off my over draft and bring by personal loans back inline !!! So in the end the bank gets it back .....

 

Anyway will keep this thread up to date with any new developments .....

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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Hi

 

I'm at the LBA stage - im trying to get things in order . I have used on line banking to obtain info re; bank charges and have listed them on a spread sheet ( have been sent to the bank with prem letter). when it goes to court will i have to provide the statements or will the schedule of charges be enough ? if i need the statements will they except computer print outs from Lloylds on line banking.

 

Ohh one other thing is it correct to use this address- LLOYDS TSB BANK PLC

25 GRESHAM STREET

LONDON

EC2V 7HN

 

 

 

With thanks

 

 

 

Prem letter sent - 26/2/2007 -schedule of Charges included

 

LBA letter to be sent - 12/3/2007- Schedule of charges included

To contact MCOL 26/3/2007 .. WILL NEED HELP FROM THEN ON ......

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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  • 2 weeks later...

ok -just filling out mcol. I have to put in a daily rate of interest . My claim is for £3388- interest of £657.72. how do i work out the daily rate until my claim is finalized.

 

Please help me ..

Thank you

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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Thank you although do i need to add total charges with the interest then times by 0.00022?

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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Hi

You need to find one of the Mods on here (their names are in green) click on their name and click on send a private message.

Good luck with your claim!

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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i understand that i have to inform a mod of my claim number on money claim .com how do i do this .

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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On my money claim on line form it states-

 

Do you wish to enter Judgment by Default or by Admission? Please select one of the options below:

spacer.gif The defendant has not filed an admission or defence to my claim

(Judgment by Default)

spacer.gif

You will need to decide, how and when you want the defendant to pay. You can ask for the Judgment to be paid by instalment or in one payment.

spacer.gif The defendant admits that all the money is owed

(Judgment by Admission)

spacer.gif

If the defendant has given a new address on the form of admission to which correspondence should be sent, update the defendant's details within the following Judgment request.

 

 

 

What do i do ? i dont understand it

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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  • 2 weeks later...

up date -

 

Filed claim on line it was issued on the 28/3/2007. we are 12 days on and i have heard nothing. What should i do ? if i have to issue a judgment by default - what does this mean ? what is this process after this ?

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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up date -

 

Filed claim on line it was issued on the 28/3/2007. we are 12 days on and i have heard nothing. What should i do ? if i have to issue a judgment by default - what does this mean ? what is this process after this ?

 

Lloyds have 14 days from the date of issue to acknowledge - they then have 28 days from issue to file a defence so don't get too excited yet! IF they havn't filed a defence after the 28 days THEN you can issue a judgement.

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I have received an acknowledgment from [problem] - i understand that i now what for there defense - when do i get the AQ ? Also do i send [problem] a schedule of charges now ? if yes is there a standard covering letter on here ? thank you

Prem letter sent 26/2/2007:)

"bog Off" received 4/3/2007:mad:

LBA letter sent 9/3/2007:)

Money claim .com filed - 27/3/2007:)

Notice of issue received 29/3/2007

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