LTS charges claim ** WON**

[remus]

This is such an amazing and heart warming site, who would of thought that Banks who have created such despair, have created this nemesis!

I have had the defence "vague & embarrassing" from LTSB, also they want me to file and serve an amended claim, (I only had 6 points), reading lots of threads, and kind words from HSBCrusher, I realised I had not put any Acts on my POC. I phoned the Court, and asked if I could include the relevant Acts etc with my AQ, as in section G, and was told yes I could.I have filled in a N244 and POC with the relevant template 3 of, which I will take with me when I hand in my AQ, just in case I was ill informed.

 

Just sending the 7 day letter to HSBC, feeling a lot happier about the process, and as is stressed you can not read enough.

[BARTY]

Hi & Welcome Janet!

Good luck with your claim, let us know how you go on.

Barty:)

 

 

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html I WON!!!! :D

If I have helped, please click my scales:)

[Butterflycollecter]

Good luck

[remus]

had to get my AQ in on or by the 5th, and quess what, got there by 2.15, and they had gone on Easter break! will have to ring tuesday, to make sure they have received everything plus I need a copy of the AQ, coz I have run out of ink!!! and I need to send a copy to LTSB, fingers crossed! janetx

[remus]

The court has received my AQ also LTSB's ( no AQ from LTSB for me should I have received one from them?) and the nice man is sending me 2 copies of page3 so I can send it on to SCMs:)

Any idea why some people get paid in the early stages? is it just the pile you get put in!

janetx

[BARTY]

Hi Janet

There doesn't seem to be any patterns to why some people get earlier settlements than others. SC&M have stopped sending copies of their AQs now.

Barty:)

[remus]

Hi all, recieved my copies of AQ from the court, I thought I needed to send copies of all that I had handed in to the court to SC&M, but I read in a thread you did not need to. Bit confused any pointers?

Also received letter from Loraine Rosier at Andover saying Thank you for raising concerns, see that are solicitors are dealing with it. Is that their way of saying we are keeping open lines of commmunication?

Janetx

[remus]

Just read through Curlychic's thread, and got my answers:D

[remus]

hi how do i get rid of the location on my posts?

[GuidoT]

Clink on:

http://www.consumeractiongroup.co.uk/forum/profile.php?do=editprofile

 

and under Additional Information you will see a box that you can change the details in.

[remus]

Thanks for that GuidoT bit of to much information me thinks.

Just printing out claim forms for HSBC, have spent all of this beautiful day reading up on the site, how sad am I:sad:

Will be taking them in tomorrow along with my JSA exemption.

I am doing all the paper work for my daughter, on the claim would I be classed as litigation friend, and do I need to attach a letter of authorisation from her?

[remus]

Ltsb credit card has taken money out of my daughters account, as the account is in dispute ie: charges does she have any recourse against card services? any thoughts:confused:

[nicsussex]

Just to clarify - they have taken money from your daughters current account to pay credit card payment? Please also clarify which account current or credit account is in dispute?

[remus]

hi nic, yes LTSB credit card has taken a payment from her current account (not a direct debit) and she is just about to do the LBA on the current account.

She is trying to get some leeway on her card, as she is unemployed at the moment, so the monies in her account is her JSA:(

[WhatMoney?]

Hi Remus,

 

I had the same problem as your daughter year b4 last. I was trying to set up a payment plan with them, but they wouldn't do that til both my JSA and HB were completely sorted - which where I live takes several months (2 for JSA and 5 for HB!!!)

 

They may or may not return payments in that time, but she needs to go to the bank and see an advisor about a payment plan - at least then they've got info about her income etc. Then just keep writing letters demanding money back. I never got all of it returned, but at least a bit was better than nothing. Also, this was before I 'd figured that phone calls are useless: I'd be told one time I'd get all my money back, then later told by someone else that I wouldn't, and that no-one would possibly have told me I would.

 

Anyway, I digress. The important thing for her to do is to contact the jobcentre or tell them when she signs that if her money goes straight into her a/c it will just get swallowed up so she needs to be sent a giro or paid into a different a/c (if she has one). Just in case they try to tell her it can't be done, it can. It's policy that they don't pay into an a/c where the bank, not you, will get the money.

 

I hope this helps! x

[remus]

Hi Whatmoney, thanks for that, point taken about not bothering to phone, I'm finding this more and more with companies and Gov depts, getting told one thing, then it all changes. I will double check that she has opened another account, coz I reckon LTSB will call in her O/D, and once again she will go into panic mode, she's slowly learning the way of the world!!!!

ps. she has the credit card coz she wanted a loan for a car, they could'nt do that but could charge her 29%, coz she took out cash on the card!!! sneaky eh:mad:

thanks for the reply n keep claiming:D

[remus]

ok, don't know how to start a new thread, but i'm sure someone will put this where it belongs;) Direct Debits! have read through the general forum. my question- money going into account same day as dd comes out. Bank says you will have to cancel it or get charged. DD canceled letter received today from Amber credit "comply in the next seven day or default issued. send new DD instruction plus cheque or postal order for £20.00 admin cost":(

In the past with dd's have just set up again with 2 payments taken, is it just Amber credit? do I have to pay the £20 thus saving myself £10 re Bank charges. I HATE DD's:mad: the easy way to pay for who:mad:

[remus]

Spoke to nice lady in court when I put in my HSBC claim, the Judge only comes in 2 days a week, but should be looking at my case next tuesday, no hurry then:rolleyes:

[remus]

ok idiot, have already been told how to start a new thread ie go to the forum in guestion and click on new thread:o cheers for that HSBCrusher,sorry bit of a computorphobic;)

[remus]

Hi all have received my notice of allocation today, 10.15 on the 25 July, should take no longer than 20 mins, and it is block listed together with a number of similar cases. (you know who you are:D ). should the case proceed to a hearing, it may be necessary for the court to adjourn the hearing to another date.

Also says the Defendant should file and serve a short skeleton argument no less than 14 days before the hearing.

what does this mean? anyone know:confused:

[GuidoT]

This is a good link to prepare for hearings:

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

A skeleton is like a case summary that presents the arguments.

[remus]

thanks for that GuidoT, trying to take things one step at a time, as I get easily confused:confused: and your post has put me in the right direction, many thanks:)

[remus]

GuidoT, as my court date isn't till the 25th july (ages:mad: ), LTSB have put me on the back boiler, is there anyway I can remind them I'm still here, or would it be worth trying to transfer to a larger court (or would this just take a couple of months anyway)? Any thoughts or gentle reminder letters??

[GuidoT]

Your claim must be hotting up - 'back boiler' most of us just have a burner.

 

Unfortunately nothing you can do, except wait. You never know Lloyds may just tip out with an offer.

 

There is no larger court to be transferred to.

[remus]

LOL, cheers for that Guidot, what I meant by a larger court, was one that had a judge there every day, not 2 days a week:D