doompixie ~v~ Lloyds TSB ****WON!****

[doompixie]

Does anyone have a template letter for getting my account activity suspended whilst claiming? I have an overdraft reduced by £50 a month and I'd like to stop paying this until the claim is over (by which there should be no overdraft to pay off).

 

I'm not great at writing letters and am a bit stuck as to what exactly I should be saying

 

Any help appreciated, thanks

 

~ Tilli

[dx100uk]

i dont think you can do this

other than asking them directly

should be done in less than 2 months normally anyway

if you already know the figure you wish to claim

it should be done in a month if your lucky

 

dx100uk:D

[doompixie]

Someone told me I could contact the collections department and tell them that the account is in dispute. I'm very low on cash this month and don't think I can afford to pay it in any case. They took almost £100 from me in charges and interest at the start of this month and it's really screwed me over trying to keep up with their payments.

 

Another question though: during the claim against them can I request that further pending charges (i.e. ones that have been incurred and are about to be taken) be removed?

[doompixie]

I'm trying to get my moneyclaim thingee sorted out and I don't know which address I should be using. Branch, registered, the customer service one I'm getting replies from?

[GuidoT]

When filing your claim use this name and address:

Lloyds TSB Bank Plc

25 Gresham Street

London

EC2V 7HN

 

Try and stick to one thread please.

 

In case you are not aware when you file using MCOL send 2 copies of your schedule of charges, clearly marked with your claim no. and a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim On Line

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

 

Dear Sir,

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

Yours faithfully

[GuidoT]

I do not know much about this, but that below may help:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

You could change banks and direct your incoming payments to the new account.

[doompixie]

My earnings are not paid into my Lloyds account, but if I do not keep up payments it will just incurr more charges. I'm trying to avoid this as I'd rather not go through a second claim to resolve it.

[doompixie]

I'm due to initiate my claim via moneyclaim on the 29th march. I've recently recieved a letter saying I have £65 of charges to pay on april 2nd. Can I add these charges to my claim before they've been taken? If not, should I wait until they have to start my claim, or ignore them and perhaps start a new claim afterwards?

 

Thanks

[dx100uk]

according to what i have read on other threads, you can add new charges till you file your court claim just make sure the court/bank get copies as normal.

 

dx100uk;)

[Michael Browne]

If not, should I wait until they have to start my claim,

Yes it's only a few days and then you can include them in this claim.

[doompixie]

Prelim sent, standard fob off recieved, LBA sent, no reply, filed with MCOL last night

Just waiting for a working printer so I can send my schedule of charges to MCOL...

I'm sure someone said to me I should send 2 copies in, is this right? Also, by what time should I get it in by? Obviously I'm trying to get it done asap, but it'd be nice to know the deadline.

[BARTY]

Hi

This should help:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Good luck, let us know how you get on.

Barty:)

[doompixie]

My claim has been acknowledged. More waiting. Boring, huh? :grin:

[doompixie]

Recieved Notice of Transfer of Proceedings. They are dispensing with AQ.

The defence is attached but nowt else, just wanted to check that I don't actually need to do anything yet? i.e. send stuff?

Also, will there be a fee? My claim is just under £900. All I've seen mentioned is a £100 fee for claims over £1500 so not too clear on this.

 

Thanks

[Guest ChloeJane]

Hi Doompixie,

 

Yes it is for claims over £1,500 that have to pay the £100.

 

SO NO FEE FOR YOU!

 

There is little you can do now as the matter will be transferred to your local court. It is then that they decide if the AQ is to be used or not.

 

MCOL do no allocate one and leave it to the discression of your local court.

 

Nothing more now till you hear from the court and a good link is here

 

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html

 

Now maybe read up on bundles to prepare. A link is here.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

And...maybe this one! Just to cause overload...?

 

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

 

Happy reading,

 

CJ

[doompixie]

Alrighty, thankyou ^^

[doompixie]

What is it that ensures you agree to the T&C's? I assumed it was a signature, but my account was opened when I was 13, so junior account rules applied (impossible to go overdrawn and therefore impossible to cause charges). Since then I don't recall signing anything. When I turned 19 they automatically sent me a new card and pin, and a note saying they had upgraded my account to a current account. I really don't remember sending anything back or agreeing to anything new, in fact I knew nothing about charges until they started adding them to my account

Does the fact that I used the account mean I agreed to the T&Cs?

 

I asked my mother if she still has the paperwork from when my account was opened, but no luck yet.

 

Not really sure if I plan to do anything with these musings, but even so, I'm curious.

[nbizzle]

im the same i had my a/c since i was 10 then when i was 18 they upgraded it and charged me like £7 a month and i didnt sign a thing!! but i had to sign to downgrade typical!

[doompixie]

bump

[doompixie]

I've not heard anything back yet. Should I be worried? Some of my mail has gone missing recently

What will happen if things are going ahead and I don't know about it?

[BARTY]

Hi

Try ringing the Court up, they will be able to tell you.

Barty:)

[doompixie]

I would, but I've temporarily (I hope) lost the piece of paper with the contact info >.

[doompixie]

"If you do use your card to create an overdraft we have not agreed or to exceed an agreed limit, you will have broken the terms of the Account"

 

Thats about the only relevant thing I can find on there, not sure if it will help

 

Edit: also found some credit card T&C's. "We will charge you blahblahblah. We will also charge reasonable costs and expenses resulting from you breaking these conditions." yeh, right

[Rooster-UK]

Hi Doompixie.

 

Do you have access to a scanner?

Could you send them to me by PM, please. They would be most useful.

 

Regards, Rooster.

[doompixie]

*attempting scanning now* the writing is tiny so not sure how clear this is going to be. However I would be able to send hard copies if neccessary.

Also, I'm not sure how/if I can attach files in a pm?