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I Think Ive Won ...can i claim agiain??


neeno13
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hi, this is my first time on here. I fond this trying to find a site for advise on claiming back my bank charges of £4800, but it should be more. I forgot to add the interest on. I sent the first 14 day letter 2 weeks ago. Of course they replied with a load of bull s**t!. I am now taking Lloyds TSB to court.

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If you have sent the first letter without results, then it is now time to send the Letter Before Action (LBA) giving them a further 14 days to reflect and informing them that if they don't give you a positive response you will file in the county courts without further notice.

Good luck.

Regards, Rooster.

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Hi Neeno.

In reply to your PM.

 

Private Message: neeno13post_old.gif Today, 00:37 neeno13 vbmenu_register("postmenu_", true);

Basic Account Customer

 

Join Date: Mar 2007

Posts: 1

reputation_pos.gif

 

 

icon1.gif neeno13

I have already put claim in at my local court. I hvent got a solicitor.

 

We don't advocate using solicitors for straight-forward claims. Why pay someone an arm and a leg to do something we can do ourselves.

It is difficult to know how we can help you, because you have only just registered, this is your first post, We know nothing of the history of your claim or the content of any letters you have sent.

Unfortunately the information on some sites is less than reliable.

 

What I would advise is that you start your own thread in the Lloyds TSB forum and post all the details of your claim there, in as much detail as you can. Then, if you should need help, we will know how best to advise you.

 

Regards, Rooster.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

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We have been with Lloyds TSB since 1994. We got into trouble with money due to me not able to work. Any way we arranged on overdraft. Things were ticking along ok till about 1999. We were getting charged most months for returned dd's and cheques. Things have been spiralling out of control since then. They have been charging us £100 pm just for using the overdraft, plus overdraft interest ( which i havent included ) Plus account charge. We have paid out to them as much as £290 in just 1 month, ( £210 ret dd and chq ) £80 overdraft usage. Since july 2002 our charges add up to £4795, I dont know how much charges are from Jan 2000 to July 2002. They even take the charges out when we are at our od limit, that puts us over the od limit, then we pay more charges the next month. It's 1 great big circle that we are stuck in. Since Jan 07 we have already paid out ot them over £300.

I downloaded the the 14 day letter from the bbc website, as a friend saw tv programme and recomended it to me. I posted it on 19th feb07, special delivery, checked on post office website to confirm they recieved letter. They did. They replied within 9 days with a load of crap, saying they believe it is fair charges. I have now taken it to my local court to claim back £4800 without the interest, just waiting for a date.

Hope that frightens them, but i doubt it.

Is it 2 late to add the 8% interest on now my claim is at court?

If not too late, do I multiply the amount im claiming by 8%?

Is it advisable to go as far as i can, or take any offer they may offer ?

I would appreciate as much advise as poss please.

I will keep you all informed of progress.

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hi there,

Yep guess what - I got the same letter back from Debbie Gilbert. I have now put the claim in at my local court. I am going for it. Dont want ot drag it out any longer than necessary.

Good luck with your claim.

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Well we all know how good they are at sending 'standard letters' dont we......its just that we are used to being charged for um :mad:

GOOD LUCK WITH YOUR CLAIM

 

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

If I have been helpful click the scales

 

 

SAR sent 18/12/06

Statements received 02/02/07

Preliminary Request sent 05/02/07

Standard ‘No’ letter received 15/02/07

LBA sent 16.02.07

NO RESPONSE

Court Claim sent off 05/03/07

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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hi all,

i have put my claim in my local court, today i have got letter back from court confirming they had there papers served today.

I havent put the interest on to the omount claimed,

can i still add it on to claim?

How is interest worked out?

I worked mine out by multipling each seperate charge by 8%, then add them all up to one total EG : in 1 month they charged me £210 returned cheque, £80 overdraft excess fee. I multilplyed 210 by 8%, and 80 by 8%, added both answers together.

Please someone tell me if this is the right way.

Also, I have another account with LTSB, with charges, can I add these on to exsisting claim?

I would please appreciate as much advise as possible.

Will also keep you informed how I get on.

Good luck with your claims everyone.

Be in touch soon.

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Hi neeno,

 

Firstly I think you should start your own thread which you can do by clicking here: http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=11. Having your own thread makes it easier for yourself and others to track your progress, and you won't be hijacking somebody elses thread then. ;)

 

You can amend your claim once it's been filed by using a N244 form but you need to pay £35 which you won't get back. So whetehr it's worth doing depends on how much interest you're missing out on.

 

You have got the wrong idea of how to calculate the interest as you earn interest on each charge since the date that charge was taken. The easiest way to work it out is by using one of the spreadsheets (there's one linked in my signature) or therer are spreadhseets on the forum you can use.

 

So I guess you need to work out how much interest there is and then decide whetehr it's worth paying the £35 for.

 

Good luck. 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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hi all,

i have put my claim in my local court, today i have got letter back from court confirming they had there papers served today.

I havent put the interest on to the omount claimed,

can i still add it on to claim?

How is interest worked out?

I worked mine out by multipling each seperate charge by 8%, then add them all up to one total EG : in 1 month they charged me £210 returned cheque, £80 overdraft excess fee. I multilplyed 210 by 8%, and 80 by 8%, added both answers together.

Please someone tell me if this is the right way.

Also, I have another account with LTSB, with charges, can I add these on to exsisting claim?

I would please appreciate as much advise as possible.

Will also keep you informed how I get on.

Good luck with your claims everyone.

Be in touch soon.

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The 8% is per year. You will have to put the figures into a spreadsheet and it will work it out for you. The 8% is over the year and equates to 0.02p per day multiplied by the amount of the charge mulitplied by the lenght of time the charge has been there. There are plenty of spreadsheet examples on this site.

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icon5.gif Hi, my claim is in with the court. I havent put the interest on. My pc hasn't got any spreadsheet facility, or I cant use the spreadsheet links because of this. I would be very grateful if one of you would kindly work it out for me PLEASE.

Over 4 years ( since july 2002 ) all my charges add to a total of £4,800.

Also how do I add it onto claim? icon5.gif

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go here

you can do it online

 

VAMPIRESS'S CHAMBER

 

dx100uk;)

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi everyone,

:mad: I have today recieved the banks defence from the court. It states basically they are NOT going to refund me even 1 penny. Very similar to the first responce.

The N149 questionaire looks compicated.

I am currently in reciept of Income Support ( cant work due to accident at work ), do I have to pay the court fee?

I have already filled in a form when I 1st took claim into court.

Someone PLEASE HELP me out .:(

Im confused.

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See here for AQ guide:

Allocation Questionnaires - A guide to completion

Allocation Questionnaires - A guide to completion

Allocation Questionnaire - Draft directions order

New strategy for Allocation Questionaires

Even if you were exempt from the original court fee, you still have to fill in Ex160 again for exemption from the AQ fee (which is payable on claims over £1500)

 

 

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:( Hi everyone,

I got my defence letter today with the Allocation questionnaire.

I need HELP completing some questions:

A)- settlement- Do I tick the YES or NO BOX?

B)- Location Of Hearing?

D)- Witnesses?

E)- Experts?

G)- Other information? - For this question I thought of putting down something like this: It is the amount of charges that Im claiming for. I know charges of about MAX £10,( NOT £35 ), are just about reasonable.

I have read charges should be £4.50.

PLEASE advise me. The notes on back are not very helpful!!

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  • 2 weeks later...

Hi folks,

Well, I have just recieved a letter from LTSB solicitors based in brighton, dated Monday 26th March 2007.

It says " with reference to your claim. Our clients (LTSB) are going to settle my claim in full"

the money will be in account within five working days. It also states that this is NOT an admission for liability, this is merely to resolve the matter amicably between the two parties.

Well, I still havent recieved the money into account yet. They will probably leave it as long as possible. I can see me having to fight for this, but at least ive got somewhere ( I THINK ).

I started the claim on 19th February 2007.

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Well done! How much was your claim?

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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