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Jonny Ball vs Lloyds TSB

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Well, having received a letter through the post this morning from the copy statement unit, I reckon that I have about £1200 in charges that I can claim back.

 

I'm about to start entering everything on to the calculation spreadsheet; I'm not 100% clear about what can and cannot be claimed for, I'll re-read that part of the FAQ.

 

Wish me luck! I'll keep you all updated.

 

Jonny Ball


"You gain strength, courage and confidence by every experience in which you really stop to look fear in the face... You must do the thing you think you cannot do." - Eleanor Roosevelt

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You can claim for anything which is deemed a penalty charge,

which includes:-

 

* returned direct debits

* card misuse fees

* unpaid standing orders

* unpaid item fees

* exceeding your overdraft

* referral fee

* overdraft interest (see below),

* total charges (see below)

You can NOT claim for:

* ATM (cash machine) usage fees

* an agreed overdraft fee

* account "service" fees

- i.e. where you pay a fixed monthly amount but receive benefits such as free insurance or travel discounts etc


 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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So I posted my initial letter off on 2nd April with a claim for just over £1200.

 

Today I received the standard letter from Andover "Sorry you are unhappy about your bank charges..." etc; so I'm now going to start preparing my LBA for posting early next week.

 

Jonny Ball


"You gain strength, courage and confidence by every experience in which you really stop to look fear in the face... You must do the thing you think you cannot do." - Eleanor Roosevelt

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Good luck Jonny.

 

You may already be intending to but it's probably best to send your LBA to the Andover department as they're the ones who responded to you.

 

Lucid :)


Mindzai & Lucid vs Lloyds TSB

*Won unconditionally with contractual interest (29.85% compounded)

Lucid's Account - £749.62 * Joint Account - £2019.64 * Mindzai's Account - £595.65

*All settled in full - 6/2/07

*Hearings - 7/2/07

*Prelims sent - 9/8/06

_______

GOT A COURT DATE? A guide to the later stages

 

[sIGPIC][/sIGPIC]

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Ok,

 

So having send letters via recorded / signed for post, I have now submitted my claim via MCOL; And considering this weeks events in birmingham with Lloyds, I am now going over everything for inclusion in my court bundle.

 

One thing I am not sure of, when will I know when my court date is? Answers on a postcard please!

 

Many thanks,

 

Johnny Ball


"You gain strength, courage and confidence by every experience in which you really stop to look fear in the face... You must do the thing you think you cannot do." - Eleanor Roosevelt

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Hi Jonny. Your court date maybe a while off yet. First SC&M have to acknowledge tour MCOL claim (14 days from date of deemed served). Then they have to defend (28 days from deemed served). Then once they have defended your case will be transfered to your local court (may take a while) You will then either have an AQ to do or no AQ to do. Your local court will then set a date.

  • Haha 1

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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Thanks for that.

 

Regards,

 

Johnny Ball.


"You gain strength, courage and confidence by every experience in which you really stop to look fear in the face... You must do the thing you think you cannot do." - Eleanor Roosevelt

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The latest in the saga... MCOL reports that SC&M have chosen to defend the claim, so am now waiting for court allocation etc.

 

Wish me luck!

 

Jonny


"You gain strength, courage and confidence by every experience in which you really stop to look fear in the face... You must do the thing you think you cannot do." - Eleanor Roosevelt

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I got the paperwork through from MCOL this week and the defense stated that the requested amount has already been paid. Checked my account and it was paid in last week (I didn't notice it before now as I do not use that account any more).

 

So my final question is the claim is being transfered to a local court, how do I stop this.

 

Many thanks to everyone on here for all of your support. Keep up the good work.

 

Many thanks as always,

 

Jonny Ball


"You gain strength, courage and confidence by every experience in which you really stop to look fear in the face... You must do the thing you think you cannot do." - Eleanor Roosevelt

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Was the ammount paid into your bank the FULL ammount, inclusive of the Section 69 interest? As you have already filed your claim through the courts you are entitled to this too.


If my advice has helped please click my scales

 

Should you require any further help feel free to pm me.

Nat West 2nd Acc

Prelim letter sent 8th Feb '07

:) Full Settlement Offer 24th Feb '07:)

:pMONEY BACK IN ACC ON MARCH THE FIRST '07:p

 

 

Nat West 1st Acc

Filed at court 2nd of Feb '07

Acknowledged on 15th of Feb '07

:rolleyes: Defence submitted 1st March 2007 :rolleyes:

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