fourgrandofcharges Vs Lloyds

[fourgrandofcharges]

08/01/07 S.A.R sent.

23/01/07 Reply to S.A.R request to debit £10 from account.

30/01/07 Request for confirmation S.A.R was proceeding.

01/03/07 Statemtents received - they tally with previously-calculated online charges.

04/03/07 Prelim sent.

19/03/07 L.B.A sent.

06/04/07 Standard 'p*** off' letter recieved.

11/04/07 N1 forms completed.

12/04/07 Forms signed and hand-delivered along with fee at Trowbridge County Court.

[nicsussex]

Good luck - keep us posted

[justlaugh2]

Im in about the same as you.

 

£4714.00 charges

Filed at court 12/04/2007

 

Will have to see how it goes

 

Good luck

[fourgrandofcharges]

My charges plus interest are not far short of £6,000. Indeed, every day they draw it out is costing them about £1.25 in additional interest since the interest figure alone is over £1,000. This is the bank who, on one particular day - one day, mind - hit my account with over £800 of charges.

[fingerscrossed4299]

weve just got back 4750.00 thanks tsb !!!!!!!!!!!!!!!!

[fingerscrossed4299]

oh, by the way, they settled at the aq stage

[justlaugh2]

fingers crossed.how far did you have to go with lloyds before they paid up? how long did it take? did you get interest as well?sorry for all the questionsbecky

[fingerscrossed4299]

hi, it got to the allocation questionaire stage and i started the claim back in nov 06, didnt get interest back though suppose i could have pushed further

[fourgrandofcharges]

It's the 30th of April. The Notice of Issue states that, "The defendant has until 30 April 2007 to reply"

 

Do I now attent court later today and issue a Request for Judgement?

[curlychic]

Watch for the postman today....Their acknowedgement and/or defence will more then likely turn up today ..... last min as usual

(at least thats what happened to me and i've seen it happen to others as well)

XxXxX

[BARTY]

Hi

I would give them a few extra days, then come back on tell us if they still haven't replied.

Good luck, let us know how you get on.

Barty:)

PS what a cute dog!!

[fourgrandofcharges]

Well, it's now the 2nd and still nothing...

 

What should I do?

 

The dog is batty as well as cute, by the way.

[BARTY]

Hi

Give the Court a ring, see if they have received anything from Lloyds.

Barty:)

[fourgrandofcharges]

Yes, I did that and they told me to fill in the Request for Judgement, bring it in and judgement will be entered. So I did. Total payable: £5,879.62

 

I await developments with interest (lol)

[fourgrandofcharges]

02 May 2007.

 

Judgment for Claimant

(in default)

 

"To the Defendant

 

You have not replied to the claim form.

 

It is therefore ordered that you must pay the claimant £5759.62 for debt (and interest to date of judgment) and £120.00 for costs

 

You must pay the claimant a total of £5,879.62 forthwith"

[fourgrandofcharges]

Since 'forthwith' means 'now', I am quite prepared to use bailiffs. Any thoughts?

[jshtr3]

Hey there,

I'm in exactly the same boat as you. Got judgement in default on 4th may. What on earth are they up to? I'm going to write to SC&M asking what they intend to do about payment (not that I expect a reply!). I'm fully expecting them to apply for a set aside next week so can't see much point shelling out for a warrant. Just hoping this doesn't end up taking all year!!!!!

[fourgrandofcharges]

It's a bit odd. I wonder if they're receiving so many claims that they've just given up?

[fourgrandofcharges]

Tomorrow a week will have passed since judgment. How long do I give them? In addition, the judgment also states that I may be entitled to further interest if the judgment is for more than £5,000 (it is), so what do I do next?

[jshtr3]

Hi, I'd give the court a ring and see if they've applied for a set aside. If not, write to them asking for the money. I'm gonna give tham a week to pay and then apply for a warrant. Not sure if this is the best way forward but after reading the leaflets it's the only way I can see!! Good Luck

[fourgrandofcharges]

Rang Trowbridge County Court today and the person I talked to stated that it is unusual for the Defendant to converse with anyone but the Claimant. They have received nothing. She said she would send me a form to progress to the High Court (amount owed exceeds £5,000), but I think I should contact Lloyds first and warn them this action is about to take place. I presume I write to the address on the Claim Form, i.e. 25 Gresham Street? Any help gratefully received.

[jshtr3]

Hi, I sent this letter the other day

 

On 4th May the judge dealing with my case issued judgement by default as you failed to acknowledge or enter a defence. I have enclosed a copy of the judgement with this letter.

 

I also reffer to your letter dated 4th May, in which you acknowledge that I have filed a claim in court, so it is not possible that you failed to respond because you did not receive service of the claim.

 

I am writing to ask that you pay the amount of £2120.34 as ordered in the judgement within the next 10 days. I expect payment by cheque made payable to T. . If you fail to do this I will have no alternative but to apply for a warrant of execution to reclaim my money.

 

I would like to take this opportunity to say how disappointed I am that you have failed to make any effort to resolve this matter effectively. All communication from you has been limited to template letters that seem to be aimed at delaying the process rather than resolving the issues. I further believe your lack of response to my claim shares this negative aim.

 

It seems to me that the way in which Lloyds TSB are using the public court system to delay and discourage customers from reclaiming unlawful bank charges is immoral, and a complete waste of taxpayers’ money. Furthermore, I believe it to be a completely unnecessary abuse of an overstretched public resource.

 

I expect your response before 19th May.

 

Love and Kisses

Trev

 

CC County Court

 

edit - Sent it to the andover address as I have recieved no communication from anywhere else!

[fourgrandofcharges]

Are the ten days up? I presume they are.

 

Did they pay?

[jshtr3]

No, not paid yet, filed for a warrant today. How's your claim going. Have you heard anything?

[fourgrandofcharges]

Nothing yet (surprise, surprise), but having said that their deadline hasn't expired yet. Into which address do you intend sending the bailiffs? I don't seem to receive any correspondence from any address I write to. I'm beginning to wonder if I should hand-deliver a final warning to my local branch on the deadline date and see their reaction to the notion that bailiffs will arrive there!