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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..   don't worry about the bailiffs there isn't really anything they can do there is no right of forced entry upon consumer debt CCJ enforcement.    
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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david1961

David V Lloyds HELP!!!!

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hi every one.

 

I dont Bank at Lloyds Tsb now since 2 years ago, but have started to try and get back over £2500 in charges over the last 6 years that i banked with them.

i am new to this, so need some advice. I have sent my first two letters to

 

Lloyds Tsb

Box 1

BX1 1LT

 

i have not had a reply, does anyone know if this is the right address to write to????

I am also ready to start court proceedings but i am unsure what address to send the papers to, do you have to send the court papers to a registered office??? does anyone know???

 

Help


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Hi,

 

Where did you get that address from? I've never seen that one before. Did you send the letters recorded delivery and if so were they signed for?

 

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

 

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this address is on my old bank statements and no i did not send by recorded delivery


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OK I think it's probably worth resending both of those letters as they may have never reached the relevant departments. Their registered office address is:

 

Lloyds TSB Bank plc

25 Gresham Street

London

EC2V 7HN

 

Or an alternative address is:

 

Customer Service Recovery Centre

Lloyds TSB

125 Colmore Row

Birmingham

B3 3SF

 

The recovery centres seem to be the departments who deal with the initial letters, and your initial letter gets transferred to the relevant department.

 

When you file the claim I think it's best to use the registered office address.

 

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

 

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Hi Lucid

 

Thanks very much

 

Rgds

 

david


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have today posted my 1st letter again, only this time to the correct addy in birmingham. this time tho i have sent it recorded delivery as i have already posted two letters out to a box number addy and heard nothing.

fingers crossed


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Hang in there David. They are a bit slow but it will come right.

 

Bina

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recieved a response on the 15th april explaining how sorry they are that they have not responded to my complaint earlier hmm!! they go on to explain that they will write to me within the next 4 weeks either with a response to my complaint or with an estimate of when i can expect it.

 

thats a call for me to send my second letter and this time include my schedule of charges.


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i have recieved a reply letter today dated 19th April 07 but i actually recieved it today 3rd May 07 hmmm!!

I am presuming this is a reply to first letter as my second letter only went out 7 days ago.

it seems it is a standard letter saying sory but.... bla bla bla...

so it seems i have no alternative but to commence legal proceedings


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I am about to file in Birmingham County Court - is it worth continuing??

I live in Birmingham, but Can I file in a different court?? if my case comes up against this judge he may dismiss my claim too.


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Hi I am about to file in Norwich County Court today, I just think I've come this far and no way can turn back now -I have spent hours preparing this -just one more challenge to overcome! Good luck

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I am about to file in Birmingham County Court - is it worth continuing??

I live in Birmingham, but Can I file in a different court?? if my case comes up against this judge he may dismiss my claim too.

 

Go ahead and file your claim. Dont pull out now .... thats what Lloyds are probably hoping everyone is going to do after their, so called, victory in Birmingham.

Keep the faith and follow the directions from CAG to the tee. These are tried and tested directions that have produced thousands of successful claims.

 

;)

 

XxXxX


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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David, Carry on.

 

Have you a copy of the 'Terms & Conditions' of the account to add it to your bundle when needed? If not get hold of a copy now and make sure you include it in the bundle.

 

We all realise that this is a worrying time, especially for those in Brum, but have a read of the other threads concerning the case and take heart.

 

Let us know what you do.

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I am claiming on behalf of my wife who was horrified by the news this morning about Lloyds winning a case.

 

We're so stressed at the moment with reclaiming charges and other things going on around us, not to mention my wife being unwell, that we're considering throwing in the towel.

 

The stage we're at is Transferring of court proceedings to Cambridge. I paid £50 on MCOL to claim £380 (approx) against Lloyds via small claims court .

 

What would happen if we were to give up now? Do I just lose the £50 and end of story or will it be even more painful than that? How do you go about stopping it?

 

Please any advice would be grateful,

 

Thanks

p

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People need to stop panicing and remember that this was one judge, one win amoungst THOUSANDS of successeful claims !

If everyone gives up now ... Lloyds will be laughing ... They want us to give up ... dont let them get away with this !

(sorry to rage, but we must stay strong and not throw in the towel)

:(:x:(

 

XxXxX


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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It's business as usual . .take along the terms and conditions in your court bundle.

 

Uk


Some useful links.

FAQ's

Making Posts

Letter Template Library

Bank Contact Details

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

A-Z Index

Mis-Claim Tutorial

Step By Step Instructions

 

Remember: The Ark was built by amateurs-The Titanic by professionals.

 

Please click my scales if you find my advice helpful !

 

If your claim is successful, please donate 5% so that it can continue to help others.

 

Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

 

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

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David, Carry on.

 

Have you a copy of the 'Terms & Conditions' of the account to add it to your bundle when needed? If not get hold of a copy now and make sure you include it in the bundle.

 

 

Hi

I closed my account with LLoyds about 8 months before I learnt that we could claim back "charges" so had chucked out all the T&Cs etc - as didn't think would ever need them again.

Do you know where I could get a copy from to include in my bundle for my up and coming court case.

 

Many Thanks

Bev :-)

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Hi Curlychic,

 

I know you're right, and part of me wants to carry on fighting.

 

So tell me what is needed if we do end up in court? All I have is online print outs of my wifes bank statements that show the charges. This I gather is not enough evidence. We don't have a court date as yet but I am assuming its the next step.

 

Where can I get a copy of the LLoyds terms and conditions?

 

What else do we need for Court?

 

Advice pls...

 

P

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Everyone will help you get your court bundle together as the time approaches(if it gets that far)

In the meantime read, read and read some more.

Here are a few links that should help you out and if you have any questions SHOUT !

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

http://www.consumeractiongroup.co.uk/forum/guidance-notes/637-case-guidance-notes-bringing.html

 

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

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html

 

xXxXx

please dont give up now

:(

 

 

 

  • Haha 1

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 Curlychick,

 

I had a read through your thread earlier this morning and it has given me more hope to carry on! I started with my claim in Nov and it just seems to be dragging on and on and sometimes I just felt like giving up (my parents have both just been in hospital so was getting all stressed about everything!), so it really helps to get more encouragement from yourself and others on here to keep going. So BIG thanks and congtrats on getting your money back.

 

Bev :D

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hi everyone. thanyou you all so very much for all of your encouraging comments, i have decided to carry on and i am about to file on line this evening.

I am worried though about these terms and conditions as i no longer bank with Lloyds TSB and have not done so for the last 3 years.

 

SO WHERE DO I GET HOLD OF THE TERMS AND CONDITIONS FOR MY COURT BUNDLE.

Any help would be greatly appreciated.

 

Oh! By the way my claim is for £3800 - so i guess the £150 court fee is a drop in the Ocean,

David


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so can anyone help me with this dilema.

 

Question 1):

do i have to file in Birmingham County Court just because i live there or can file in any court.

 

Question 2)

Where can i obtain the terms and conditions of my current account - bearing in mind i have not banked with Lloyds for 3 years.

 

Thanks

David


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Help!!

 

any help would be apreciated


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so can anyone help me with this dilema.

 

Question 1):

do i have to file in Birmingham County Court just because i live there or can file in any court.

 

Question 2)

Where can i obtain the terms and conditions of my current account - bearing in mind i have not banked with Lloyds for 3 years.

 

Thanks

David

 

any help would be appreciated


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