socket vs Lloyds ** WON **

[socket]

im just getting ready to send my fist letter requesting my repayment of default charges wich total £1979.5 but i dont think its going to be a easy as it sounds but here gose lets see wot happins

[nicsussex]

but i dont think its going to be a easy as it sounds

 

Will be if you read everything on here, follow the tried and trusted methods and have plenty of patience.

[Bigmac versus]

It is only natural to feel this way, confidence will grow with your knowledge, try reading the FAQ's and other threads in the forum, dont know something then ask before you act and remember this is YOUR money.

[socket]

just be4 i send me 1st letter asking for my charges back i just wont to make sure iv got the right address because theres about 5 diffrent address four lloyds dose any one know if its the london address or the birmingham address or dose it matter wich 1 i send it to

[nicsussex]

A lot of people will say that Gresham Street is the best address - personally I have used my branch

[socket]

thanks that was the one i was going to send it to

[nicsussex]

Good luck with your claim

[Butterflycollecter]

it seems that there a number of different addresses you can use - although apparently this is the main head quarters and the address you use when completing the court documents .

 

good luck

[nicsussex]

and the address you use when completing the court documents .

 

good luck

 

Again i used my branch address for the N1 - so is upto you - they are a large institution and personally I would think that a branch would prefer to forward the relevant documents to the correct department rather than head office. Just my opinion but both routes work.

[RedDeath]

Lloyds TSB Bank Plc

Customer Service

Recovery Centre

Charlton Place

Andover

Hampshire

SP10 1RE

 

I sent mine to the above address. Don't know if it worked cause they have not replied to 3 letters now. I love this bank! Just makes me look better when i argue that i tried to enter into dialogue with them and they never answered back!!

[socket]

i have just sent my therd leter to lloyds saying i wasnt happy with there respons and thay had 14 days to respond be4 i started court procidings dose any one know wots loyds normal respnce is

[curlychic]

i have just sent my therd leter to lloyds saying i wasnt happy with there respons and thay had 14 days to respond be4 i started court procidings dose any one know wots loyds normal respnce is

 

Either another standard response letter or no response at all.

 

But hey, you may be one of the lucky ones who they decide to refund straight away......wouldnt hold your breath though

 

[socket]

yer im not holding my breath with any of it, thanks for answering the qustion tho

[socket]

HI i have just issued court procidings when its say lloyds have 14 days to relpy do you count the weekends or is it just working day sorry if this is a silly question just wont to make sure i get it all right thanks :o)

[Dreamin]

You will be informed by MCOL on which date your claim is considered served, you then have 14 days from that date.

Good luck:rolleyes:

[socket]

ok iv just got my 2nd latter back from the small claims court, Lloyds have put in a defence and now i have to pay a fee of £100 so i can be allocated to the small claims track ? ? ? but im really worred that it looks like lloyds are going to go all the way and i feel i dont have the right infomation to arrgue my case im soooo confused with all the infomation on here can any one help me. as i dont wont to loose another £100 iv alredy lost to much from the banks takin it all off me thanks :(

[PeterAnderson]

socket - Hi

 

All standard stuff I am afraid. If you want your money back you will have to proceed and pay the court fee - don't worry though cos you will get it back. The next stage is go to the Step-by-Step and read like mad, read other peoples threads so you fully understand the process; the only cases that have been lost are where claimants were not fully prepared

 

Best of luck

[nicsussex]

Also worth checking that LTSB have issued their standard 9 point defence

[nicsussex]

Got your PM - best to post all questions on here unless they are particularly sensitive. To explain - LTSB have for about eighteen months now issued a standard defence to all bank charge claims. This defence consists of 9 points. They only tend to deviate from this if there is anything incorrect or misconceived about your claim. If there are only9 points on the defence then that is a good sign - any different then let us know.

[socket]

Iam wating for a court date to be set as lloyds have put in a defence wich sounds pritty standerd. BUT i have just recived a letter off lloyds saying

 

We have been passed a copy of the proceedings that you have issued against our client in county court the bank will defendin these proceedings on the following grounds

1, The fees that you seek are properly incoropated ubto your contract with the bank

 

2, By mking payments (whether by cheque debit card or any other means ) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which te bank may meet or decline if it meets your request, you must pay the neccessary charges. theissue of penalities. only arises as a matter of law, where there has been a breach of the contract nd there is no breach of contract here.

 

Looking ahead a situatuin wich gives rise to a dispute is not one the bank wishes to continue. In view of this you are requested please to make conact within the next 14day with your local lloyds tsb branch manager tel numer. to review your account. A review may be useful to consider whether you current banking arragements are the most appropriate for you need.

 

has any one got any addvice on what i should do or what this letter means. should i iggnore it or make contact

THANKS :confused:

[PeterAnderson]

Hi, Is this the standard 9 point defence? OR do they have more points

[socket]

Yes i have alredy had the 9point letter thats why am im wating for a court date the letter i put on here is the hole letter that was it nothink eles just wot i put on my fist hread

[nicsussex]

Lloyds have been sending out loads of these letters recently - usually followed pretty rapidly by a settlement letter - you are under no obligation to contact your branch manager for a review

[socket]

That sounds promising i think i might just go and see wot he has to say and also to tell him i not doing anythink apart from going to court thanks for the help and addvice

[marshymoo]

I too am in a similar situation. I've returned the allocation questionnaire and had a letter back from lloyds solicitors, saying that they have been passed a copy of the proceedings that i have issued against their client in my local court, and that the bank will be defending these proceedings on the following grounds:

 

1. the fees that you seek are properly incorporated into your contract with the bank; and

2. By making payments (whether by cheque, debit card or any other means) from your account where you have insufficient funds to cover them, you are making a request to the Bank for an increased overdraft, which the Bank may meet or decline. If it meets your request, you must pay the necessary charges. The issue of penalties only arises as a matter of law, where there has been a breach of contract, and there is no breach of contract here.

 

Looking ahead, a situation which gives rise to a dispute is not one the Bank wishes to continue. In view of this you are requested, please, to make contact within the next 14 days with your local Lloyds TSB Branch Manager, on 0845 3 000 000, to review your account. A review may be useful to consider whether your current banking arrangements are most appropriate for your needs.

 

We await confirmation from the Bank that this action has been taken.

 

??????????????

 

does that mean I HAVE to have an account review if i want to continue with proceedings? I know the previous letters denying their accountability etc have been discussed previously, but i was wondering whether anyone else has had a letter like this? What do i have to do? do i HAVE to have an account review (as the problem is historical, not current. the dispute is about historical overdraft charges).???

 

I'm guessing from the previous post i don't HAVE to have a review, but can you let me know how that turned out for you? Did you go for a review? did you get a settlement letter? or a court date?

 

any advice very gratefully received!!!!!