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LISAM696969 Vs LLOYDS TSB PLC !!!****she has WON!!!****


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20th February 2007 sent of SAR - RECEIVED 19/03/2007 missing 1st six months march 2001 - sept 2001


19/03/2007 sent of 1st letter asking for repayment of £1419.50 charges .


27/03/2007 received letter sorry to hear you are unhappyblah blah blah !!!


29/03/2007 sent of fax and recorded delivery copy of LBA , faxed to Kerry parfitt on 01264 834091 , stating that i will be filing for action within seven days if no response received to my request and that this response would include £345.48 interest and £120.00 court costs bringing total to £1884.98 at this date plus accruing at 8% daily till payment .


10/04/2007 no response moneyclaim online issued court summons they have until 29/04/2007 to reply here's hoping anyone got any advice at this stage be gratefully accepted , cheers lisam

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Can't offer any expert advice - only advice from experience.


Quite likely they will submit a 'defence' - 9 points (you'll find these here on the site.


Don't think "oh no, I'd better give in"!!


Read more and carry on........ today I had my 'letter of offer' (basically what I want but I will let them know that they are behind the times and there's another £127 to add on!!!!);)

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Had A Letter This Morning Nine Days After Starting Moneyclaim Online From Customer Recovery Stating That They Are Still Lokking Into My Complaint And Will Get Back To Me In Another Four Weeks !!!! Needless To Say I Faxed Them That As I Had Already Started A Court Action Against Them Thay May Want To Update Their Files !!!!!

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Just keep going and keep the faith!


We also went through moneyclaim, and received Lloyds 9 point defence last week, you may find this link worth looking at for when yours comes through - judges seem to be not requesting allocation questionnaires anymore, this post has great advice for what to do instead: http://www.consumeractiongroup.co.uk/forum/hsbc-bank/78873-new-after-28-days.html


Good luck! :)

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  • 2 weeks later...

26th February 2007 Sent S.a.r

08th March 2007 Received List Of Charges

09th March 2007 Sent 1st Letter Requesting Repayment By Next Day Delivery

24th March 2007 Sent L.b.a

25th March Recieved Letter From Lloyds Tsb Saying Usual Fob Of.

10th April Mcol Filed

15th April Mcol Deemed Served

21st April Mcol Acknowledged By Lloyds Tsb

Still Waiting For Defence 14 Days Left !!! .

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They should have defended up to 28 days after service which is 5 days after you submitted your claim they nearly always leave it right up to the last minute, so patience is a virtue here sadly.

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Time scale for my case with MCOL was as follows:

Service of Claim : 30/3

Deemed Received : 2/4

Acknowledged : 16/4

Defence Signed : 24/4

Transfer of Proceedings : 30/4

Now awaiting a court date. There are things changing all the time which may have an affect on timescales. One of these is that the Judge at Northampton is dispensing with the need for an allocation questionnaire. I have been told on another thread that this could speed things up by around 4 weeks.

Hope this helps. If those tip the scales on the left.

Good luck.

broke dave

  • Haha 2

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Hi All Thanks For All Help Up To Now Just Been Told On Phone That Sechiari , Clark , Mitcheel Submitted Defence Today With 24 Hours To Go Till Judgement !!! But Mcol Told Me That Allocation Questionaire Not Being Sent Anymore So What Happens From Here In , Also Sechiari , Clark , Mitchell Have Told People That They Are Now Defending Cases And Not Settling Is This True ? Getting Very Nervous Now Please Help !!!!

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Perfectly standard for LTSB to issue a defence - when you receive it - check that it is the standard 9 poit defence - any queries just ask.


And where did you get the idea that SC&M have told people that they are now defending cases and not settling? They have alsways issued defences and always settled.

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The guy i spoke to at SC&M told me that they were defending several cases and no longer settling , so i was just panicking a bit now but i won't give in will keep going till they surrender !!!! Do you have any idea of a time scale to get there defence and do i send the court bundle to them aswell cause its 131 pages long !!!

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It is true that they have tried to defend a couple of cases recently - and lost all of them. However these tend to be only claims involving CI or those that are badly put together.


You will get a copy of the defence shortly from the court - just make sure that is the standard 9 point defence and proceed from there. No need to worry about the court bundle at this stage.

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You should shortly receive a copy of their defence and you may receive an Allocation Questionnaire to fill in. These links will help you to fill it in if you get one:





If you don't recieve an AQ, have a look at this:



Then it's a matter of waiting to hear from the Courts, so depends how busy they are really.


Good luck, let us know how you get on.


  • Haha 1

I WON!!!! :D :D :D




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Sorry About That Lost The Other Thread , Please Can Someone Help With Court Bundle Etc , Got My Defence From Lloyds Last Thursday , Mcol Said Posted To Me Monday So Should Be Here In Morning , Have Put A Bundle Together But For Obvious Reasons Want To Make Sure Everything Is Done Right, Also Any Other Info I May Need All Help Really Gratefully Received , Lisa

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Does Anyone Know If Lloyds Have Settled Any Cases Since Kevin At Birmingham , Just Curious To Know What There Stance On This Is At The Minute , Just Hope They Are Looking Forward To The Appeal Cause Floodgates Will Open !!!

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