Help with AQ Stage - LTSB

[Simonlines]

Just to add to my previous post, I did in fact have my account reviewed with LTSB towards the end of Feb, all they done was try to sell me things. When I was firm with them and told them that I was not interested they couldnt wait to get me out of the door.

 

I did try and arrange a review with the bank yesterday in accordance with SC&M's request, however the bank said a review would be pointless because of the review in Feb.

 

I think what I will do is send a faxed letter to SC&M confirming the above and stating that i intend to continue the claim via the relevant litigation channels.

 

Does anyone agree this would be the best course of action for me to take?

[dolly]

Simon - out of interest (as I can't see it or I am having a blind moment), what is the amount you are claiming?

[Simonlines]

Oh My God

 

Just received a call from my missus at home, who has a letter from SC&M offering full and final settlement ! ! ! havent seen the letter yet and the money is not yet in my account but it looks like I have won ! ! ! wow I'm so chuffed ! !

 

Will post again when i have read the letter ! ! ! !

[John72]

Congratulations!

 

I agree with Gary on the "review" - the whole process seems ridiculously lengthened by LTSB and their in-house solicitors for no obvious reasons other than to "wear down" their opponents. Those "opponents" would otherwise, of course, have been loyal customers and extrememly grateful for a "no strings attached" immediate charges refund.

 

With all the "parachute" accounts being opened it makes you believe that all the banks are accepting that there will be widespread account migration and that, in time, it will all settle down again?

[dolly]

Just watch for those conditions before you accept it - but congratulations anyway

[amber_ellie]

That is excellent news Simon! Congratulations!

 

So much faster than our case. I have just phoned the Court and the case is scheduled for 28th June at 10am :o . What a pity they couldn't have done the same to us as they have to you .

[witchywarloc]

My claim was circa £5000 - just read the letter - and am going to go at them again for a further £500

 

 

There you go

[Simonlines]

..

[housekeeper]

great news about them hopely paying up. I put my AQ in on the same day as you but i've not heard a thing!!!! hopefully mine won't be long!!!

so please for you mate

[Reigs1979]

Hi All,

 

Sorry for jumping on your thread...

 

Has anyone had to attend a "Pre trail reveiw"? My claim has recently been transfered to my local court - on the transfer stage, it stated I would have to file a AQ unless the jude at the court I was transfering to ordered differently.

 

I have received no AQ, just a date for a Pre Trail review "When you should attend"....

 

Any advice/comment's or links to other threads (that I have tried to find) would be a great help

[GaryH]

Treat it as a prelim - http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

 

Also, go here to start a thread of your own - http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=11 (you'll get far more help that way;))

[aqua2]

Hi Simonlines,

 

I am really interested in your letter from Lloyds Solicitors.

 

In my case, I have a large loan with LLoyds which is dependant upon my retianing a bank account wth them, so I have gone down the route of trying to get a temporary injunction preventing them from closing the account, or taking any further charges until they have been confirmed legal at trial. Mainly on the basis of the financial difficulties then imposed would prejudice my right to fight the claim.

 

Now, I had a hearing on Thursday for the orders, but it was no show from Lloyds and when the judge reviewed the papers, there was no note of the application being served on them, also he wanted an hour to hear argument.

 

He decided to adjourn for 14 days, allocate an hour and instruct court staff to serve notice IF it had not already been done.

 

This was excellent, because having read the papers, he could have simply dismissed my application, but he didnt, so at least I have the chance to argue the case.

 

 

I'm back in two weeks, but have no 'actual' evidence of LLoyds, threatening to close accounts, only other banks and the judgements made against those banks.

 

A scanned copy of your letter from them, or a facsimile, would be perfect for me to put in front of the judge and say, her is proof that they do try and do this...

 

If I PM my e-mail address and fax number, is there any way of you emailing of faxing it to me?

 

I know i'm being cheeky, but what do you think?

[GaryH]

Aqua2,

 

I don't know whether its the sort of thing your after, but I am in possesion of 2 letters from Lloyds which acknowledge that no enforcement action should be taken on a disputed account, and in them they even apologise for previously suggesting otherwise. See this thread for details - http://www.consumeractiongroup.co.uk/forum/lloyds-bank/29826-help-enforcement-notice.html

 

If you think they may be of use, drop me a PM with your e-mail addy and I'll send them to you.

[aqua2]

Hi Gary,

 

Hoping that wont be needed...

 

From word go with the prelim, they...

 

Passed overdraft to collections department.

 

Reduced limit right down on credit card

 

Issued Default Notice on loan, even though only one payment was delayed and it was the first time ever.

 

Basically, they are doing their best to remove any access to financing and pressurise me into giving in.

 

Hence the application for oders.

 

What I need is some actual evidence of Lloyds threatening closures, rather than other banks.

 

Thanks.

[BARTY]

Congratulations!!:grin: :grin:

Barty:)

[Simonlines]

Mmmmmm, well I faxed & posted the acceptance form to SC&M on Friday. I rang them this morning to check they received it, which they have but was told that it will take a further 2 -3 weeks to credit money to my account due to a backlog ! ! More delays !, how shocking ! !

 

Any advice on how I could speed this up ! ?

[minx_xxx]

Did your letter have any conditions??

 

XX

[Simonlines]

SC&M have had my signed acceptance form a week and still no money in my account ? Is this reasonable?, As I have signed the acceptance form can I pursue further interest at this stage ? ?

[witchywarloc]

SC&M have had my signed acceptance form a week and still no money in my account ? Is this reasonable?, As I have signed the acceptance form can I pursue further interest at this stage ? ?

 

 

Same situation here

 

Confirmed delivery at around 10am on Monday 16th April 2007.

 

and still no money in the account- Have an account review tomorrow at 11am - Poor guy is in for a real hard time if he cant give me some answers!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!