Jump to content


Have I screwed up?


Mikesx13
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5312 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi guys,

 

I've recently jumped on the bandwagon of reclaiming my bank charges. I sent my preliminary letter and had a standard (sh*te!) response from Lloyds. I then sent the LBA as per the template on this forum but got the date of my prelim letter wrong when I referenced back to it and also didn't attach the schedule of charges. I received another response from them (again, sh*te) but the 14 days is now up.

 

I was late in sending the LBA off after the initial 14 day period and the 14 days for the LBA was up about four days ago.

 

I know i'm not doing this process any justice but life hasn't been stable enough recently to spend the time and attention on this that it deserves.

 

My question is that if I proceed to court action can they cite these mistakes as flaws in my case or am I just being paranoid?

 

The overall ammount they owe is only about £330 so I don't want to risk having to pay their court costs etc. if I were to lose!

 

Also, my fiance is considering this action but is very concerned that they'll shut her account which is £3300 overdrawn (graduate account) and that she won't be able to find the money to repay it, any advice on that?

 

Cheers in advance :)

Link to post
Share on other sites

i dont think missing timescales is going to be that much of a problem because your claim isnt massive, what i think is that if you dont stick to your timescales exactly, sometimes the banks might try and call your bluff more, because they think your not as serious.

 

What they are doing is unlawfull so you will get your money back eventually anyway. And dont worry about going to court, thousands of people have done this and it never goes to court.

 

Like you i was thinkin, am i going to be that one who actually does end up in court, but you wont LOL.

 

Not sure about account closures as my account was already closed.

 

Good luck

Link to post
Share on other sites

i dont think missing timescales is going to be that much of a problem because your claim isnt massive, what i think is that if you dont stick to your timescales exactly, sometimes the banks might try and call your bluff more, because they think your not as serious.

 

What they are doing is unlawfull so you will get your money back eventually anyway. And dont worry about going to court, thousands of people have done this and it never goes to court.

 

Like you i was thinkin, am i going to be that one who actually does end up in court, but you wont LOL.

 

Not sure about account closures as my account was already closed.

 

Good luck

 

Ok thanks, just wondering now whether they could say that my claim is null and void due to incorrect information on my LBA (the reference back to the date of the prelim letter) I'm sure they couldn't but then i'm not a lawyer!

Link to post
Share on other sites

Nah, you are fine with the timescales.

 

As for account closures, it is not common with Lloyds but that is not to say that they won't. Is your girlfriend within the agreed overdraft limit?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

Nah, you are fine with the timescales.

 

As for account closures, it is not common with Lloyds but that is not to say that they won't. Is your girlfriend within the agreed overdraft limit?

 

She's with Barclays and she is within her agreed limit.......just!

Link to post
Share on other sites

Don't know anything about Barclays, sorry....suggest you ask the question in that section and have a read around there.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

Link to post
Share on other sites

Ok, before I proceed with the court summons I'd like to know if it's worth making my claim for the full six years as I only applied for four and a half (that's all I could get online).

 

I don't have any paper bank statements for that time and assume it would take a while for them to get them out to me so it would have to be an estimated ammount based on the four and a half year figure??

 

How long do I have now before I need to issue the summons?

 

Sorry to be a pain but after reading threads on here i've been spurred on to do this properly!

Link to post
Share on other sites

I would recommend getting it all correct for all of the 6 years that way you could probably get more. Use this letter: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

They have 40 days to get it to you plus it may cost you at tenner but sometimes they don't take your money for it. Once it comes get a list of all your charges and complete the schedule http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Its a lengthy proces but one well worth it in the end

Neil

 

I WON £530 - See how Here: http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/65986-neil-lloyds-tsb.html

If i have been helpful, please click my scales (bottom left!)

Link to post
Share on other sites

So now that i've sent the LBA can I still wait another forty days to submit my claim to the courts?

 

When I submit the adjusted claim do I need to make Lloyds aware that the claim is now higher?

Link to post
Share on other sites

As far as I'm aware yes the timescale is not a huge issue. nicsussex is of a different opinion but i think either is ok its up to you. You havent actually submitted a claim as yet, the claim is submitted when you complete the N1 form etc at the courts. When you do this Lloyds will see exactly what you are claiming for. plus its a lot easier now before you have submitted your claim to change details than it is aftre the claim has been submitted

Neil

 

I WON £530 - See how Here: http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/65986-neil-lloyds-tsb.html

If i have been helpful, please click my scales (bottom left!)

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...