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


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according to my local court it has now been transferred to them and be in front of a judge next week , then i'll receive a court date , but MCOL still haven't sent out the defense , i rung them they said it should have been sent but can't send it now as it has been transferred to local court , rung them they said they can't access defence yet as transferred electronically , can anyone help with this , lisa although the good news is that my local court is transferring most of these cases to mercantile court which she confirmed on the phone today!!

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what exactly am i looking for in my old t&c's ? i'm feeling a bit of a dunce over this (i have just sent 2nd letter to lloyds after recieving £750 goodwill out of a claim for £4000).

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Right I Realise That I Am Asking A Lot Of Questions But Just Want To Get This Right , So Thanks Again For Everyones Patience , I Have Now Received Lloyds Defence It Is A 9 Point One With As Follows

1. The Claimant Has Been A Customer Of Bank At All Material Times

2. By Opening An A/c With Bank Enter Into A Commercial Agreement With Bank , Entitled To Charge For Banking Services By Using A/c Customer Acknowledges The Charges Are Incorporated Into A/c . Etc Etc.

3. By Maintaining The A/c In Credit Or Within Limt Set Can Avoid Any Or Most Charges . If Customer Fails To Ensure Sufficient Funds Then Making A Request To Borrow Banks Money .and Then Bank Provides A Service. Etc Etc

4. There Is No Breach Of Contract Etc Etc.

5. Given Advance Warning Of Any Charges And Letters Sent In Advance Etc Etc.

6.the Charges Are Fair And Reasonable And Not Unlawful.

7.customer Notified Of All Charges In Plain English At Hte Conclusion Of Contract And On Statements.for Service Provided Under Reg 6 Of Consumer Contracts Regulations Are Not Subject To Assesment Of Fairness.

8. Not Penaltys Or Damagesthey Are Charges

Entitled By Contract And Fair And Reasonable .

Denied That Unlawful Or Contravene Any Statute .

Claim Denied In Its Entirety And Not Entitled To Claim Anything.

 

Right Sorry So Long Winded But Abbrevited Bits That I Could So A . What Do I Do Now

B. Is This Normal Defence.

C. Does It Make Any Difference That I Never Had An Overdraft With The Bank At Any Time On My Account.

 

Please Help Getting Near Now Allocated To Local Court So Really Could Do With All You Educated Guys Out There Helping Out , Cheers In Advance , Lisa

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Right Sorry So Long Winded But Abbrevited Bits That I Could So

 

A . What Do I Do Now (did you recieve an allocation questionairre?)

B. Is This Normal Defence. (yes ... standard 9 point defence)

C. Does It Make Any Difference That I Never Had An Overdraft With The Bank At Any Time On My Account.(why should it ???)

 

Please Help Getting Near Now Allocated To Local Court So Really Could Do With All You Educated Guys Out There Helping Out , Cheers In Advance , Lisa

 

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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thanks , no no allocation questionaire , but thought as they had never given me anoverdraft and i had never asked for one that i had definately broken contract by being overdrawn because there was no facility for them to charge for don't know help !!!

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If you havent recieved an Allocation Questionairre

then the Court will write to you with directions once

the Judge has looked at the defence.

Here is a link that may help

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

 

So its more waiting i am afraid. Everything is on track

though so dont worry

XxXxX

I hope i have been helpful, if so PLEASE click the scales

  • 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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Thanks For That , Just Getting A Bit Worried Now With Case Result In Birmingham , But I'll Keep Going And If Anyone Can Offer Any Advice At This Stage Much Appreciated , Lisam

 

Birmingham was just a blip .... one judges decision and no presedent has been made.

My advice would be to keep reading !!

You can always start to familiarise yourself with the information required for your court bundle .... just dont print anything off yet as it may not even get that far.

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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already got court bundle put together so if needed then just to copy and send to judge and solicitors , think i've got everything in it i'll post details later so you can check if you don't mind as i said any help is much appreciated , i've clicked your scales thanks , lisa

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Sorry to be a bore, but you really must stick to one thread

(notice you have 7 in Lloyds forum on the go)

That way everyone can see how you are progressing

through your claim and offer the appropriate advice

:rolleyes:

 

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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i have two tried to get them merged but didn't know how to only other one is this one thought it was different as not relating to my case but to a specific case , don't know anything about seven , got one in citi forum but no others what are titles ?

 

 

 

8 threads now merged
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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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Thats better ... lol

:wink:

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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