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    • Amex as with any creditor must help you the FOS should go with you and make them remove all interest charged from the very 1st time of asking for help. the FCA regulations actually almost dictate it, they most certainly clearly state that if the are FCA registered they must help.   it's very telling they have no marked your credit file....almost as if they know they are wrong. it's also telling that an irresponsible lending complaint might well be in order hear too, they can just keep upping the credit limit without checking you can pay. and ofcourse covid plays its part here and they've already admitted as they allowed payments holidays until october in line with the rest of the industry and they should be continuing that. you problem is you keep using the phone, no paperwork no record of things discussed. i'd get an SAR off to them. and get the comms/account log and all the statements from day one and go nail them.
    • Hello CAG, Bit of a long post, may want to get a cuppa before starting reading... 😁   after being a lurker for many years and trying never to get into a mess with credit cards like i did 20 years ago, i've got myself into a mess with Amex... I've tried being open and honest with them, but now getting the feeling they are messing me around.    Its not a chargecard, but a Nectar Credit Card with them. TAKEN out 2016. Balance is just under £15k as of today, was almost at £17k.  Debt still owed by Amex, not been sent to NCO/Arrow etc - YET...    Background (short version): Was all fine with more than min. payment (£500 or so), being made until April 2020 when a number of things reduced my monthly salary from work (mainly, take a pay cut or be made redundant), so I soon quickly realised i needed to tighten my belt quickly. Phoned Amex, advisor said nothing they could do except Payment Holiday. Was put onto that for 3 months, told that Amex will be in touch at the end to restart payments. I asked about interest being stopped/frozen/reduced - not possible. So agreed to payment holiday to give me breathing space. 3 months came and went, no contact from Amex... No payments made, interest still racking up at around £300 a month...    Rang Amex back (July 2020), we cant do anything today because your in the middle of the statement cycle call back next week. Called back week after, no solution yet (i asked about things i seen on Amex US website = Regain program - basically freeze card, lower interest rate and pay a set amount for 12 months - more about this later) > Not available in UK yet.   Want to stay on payment holiday Mister B? I asked if there was any way interest could be stopped as this is making the balance increase and increase. No. Do you want to stay on Payment Holiday? Ok. (Bear in mind, if i came off Payment holiday. Minimum Payment was around £570 per month.  So, stayed on payment holiday... Didnt hear anything from Amex again. Called back up in September 2020. Please call back in October after 10th and we can assist.   Called back after October 10, went through loads of stuff, different options etc, was warned that Payment Holiday might not be extended much longer, but now have a program. Worked out with Amex woman that i could pay around £200 per month. But please stop interest - no we cant but we can reduce this down to 9.9APR instead of 23%... . Amex woman said she needed to submit details to 'Seniors' at Amex, please call back next week for update.   Called back week after, advised that first Amex woman was wrong and had made mistakes, shouldn't have told me what she had told me, £200 is too low, minimum would be £389 per month for 12 months or account will default. Told Amex woman 2 that couldn't afford it, went through this last time, etc etc. Amex woman 2 went off, came back, £329.74 is minimum they can possibly accept, 12 months at that amount per month and interest would be lowered, but not stopped. If you dont take out this 'Program' then account will default and will be passed to NCO or Arrow (I hate them both).  Went off, tried to get loans etc, all refused. Rang Amex back, reluctantly agreed so i can keep credit rating at 'good'.  So, been paying since Nov 2021 @ £329.74.    Letter arrived in December - due to out mess up with moving accounts around whilst on payment holiday, we are going to give you £3074 back. Logged into account, only £30.74 refunded, not £3074. Phoned Amex cos thought it was a joke/mistake - Spoke to some bloke - Oh dont worry, the rest will be applied to account automatically in 7 days. he advised was genuine but then got cut off during call. Called back, spoke to some other bloke, yes, looks genuine but please hold... Came back 10 minutes later. Oh, its a mis-print, you are not the only customer to receive one of these. Each should have been £30.74 not £3074. Me = Gutted.    Wrote a letter to Amex saying how dissatisfied i was with general customer service and felt they were incompetent, blah blah etc. Final response received, Complaint partially upheld, heres £150 credit because we were a bit silly, but thats it. IF your still not happy, go to FOS. Opened a case with FOS... Have sent them the complaint letter to them and have had a call from them about this... FOS are backlogged though and will take another 3 months for complaint to be looked at by them.   Let me make this 100% clear, fully admit to owning the debt, yep, ive spent this money (wish I knew what on, cos having got much to show from it - just general stuff and holidays)... Not trying to shirk out of it, trying my best to keep up with re-payments but im really struggling. After I got paid on 1st April, after paying all outgoings i had £9.83 left in current account so am having to go into overdraft each month which is just a vicious circle.  I would really like to NOT have to down the default route and trash my credit rating and then have to deal with the morons at NCO / Arrow etc.    Meanwhile, this is where I need the advice of the CAG experts... - Credit Limit increases... These were coming every few months and it was just being upped and upped and upped. Credit limit eventually was stopped at £15,400. Some of the increases I never even received letter for, just noticed when I logged into account. >>>> Would this be a case for irresponsible lending?   - Stopping interest - I've read something on FCA site that they recommend (not policy) that if a customer is put onto a payment holiday then they recommend freezing interest for customer so the debt doesn't continue to build. I've asked time and time again, Amex just refuse.  >>>> Any tips on how to get Amex to play ball?    - Full & Final/Short settlement I've rung Amex today, told them I might be able to pay it off. Initially they said full balance, i then pushed, they then said they would accept 80% of balance, pushed them a bit more, got it down to 70%. >>> Surprised, and then very surprised they would accept 70%, anyone else think this is a bit odd? Normally they wont budge, or they wont budge from their first offer... Could their be something wrong on account (missing CCA etc?), or do they want rid of me and account as much as I do with them?   - Cant really keep going at these £329.74 repayments. Something is going to have to give somewhere. I believe they wont go any lower and they will just default it i send £100 instead of £329 and send it out to NCO/Arrow. This might not be a too bad thing though because this would stop the interest right? Anyone thoughts on this?    Anyone think of anything else I could try with them? Again, its still with Amex, not defaulted or anything yet, yep, its all my own fault, i've spent the money, dont deny that, just feel Amex have took advantage etc.   Many thanks for reading. Any advice is greatly appreciated.   Kr, Mista B.     
    • Ok so we have complained to HMRC but were still no further forward with getting the P45/P60. We need this as DVLA has said they need more proof of who he is before giving him a provisional license.  What more can l do. 
    • Hi All   just looking for some advice. I bought a used Porsche Boxster from one of Marshall motor group’s Audi dealers (can I name them?) recently and was assured that it received a major service in October 2020 in line with the manufacturers requirements. The service book confirms this. The dealer also told me on the phone that they have a 6 month rule with any mot or service being done if due within this period which assured me when making an offer over the phone on the car that it wouldn’t need anything doing for a while as I recall saying that.   However, digging through the receipts post delivery I saw that the service was in fact minor and after calling the specialist who serviced it in Oct both they (Sheepishly) and the invoice confirmed that the car did not receive new spark plugs, an air filter, brake fluid replacement or a new fan belt which have now all fallen due and hence the major service due warning light. Had I not investigated this then the car would have potentially gone another 4 years, so 8 in total without some of these items being done.   i emailed the salesman to ask what they would propose to do. The matter is complicated by my living 450 miles away in Scotland, and 200 from their nearest branch, a Mercedes dealer in the Lake District, so I suggested getting my cheapest local specialist to do the works that have fallen due, however I have received no response.   Whilst I am still within my 30 days i don’t want to reject the car, which is otherwise perfect, but the fact remains that the Audi 150 point check only asks for upcoming mot’s to be checked and not services and surely you wouldn’t buy an approved used car and expect to have the service light come on 2 weeks later and have to spend almost £500 putting it right.   i would really appreciate some advice on next steps and perhaps who to escalate this to. Meantime the car is booked in for 2 weeks time to get the work done at the cheapest reputable place I could find.   Many, many thanks in advance
  • Our picks

    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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  • Recommended Topics

Gillianbbb v's Lloyds TSB - **WON**


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Read all the information on your site the other night and thought, hey i got ripped from lloydstsb a few years ago, luckily im a paper buff who can date everything back 7 years+

my claim was for just short of £2500, so way under the £5000 mark everyone has been talking about. Anyway took the email address and attached my letter.

this is the reply that i got

 

Dear **************

 

Re: Account Charges for Overdraft Excesses and Returned Items

 

Thank you for taking the time to contact us about your account.

 

I understand that

 

• You feel that the charges you have incurred are contrary to the Unfair Terms in Consumer Contracts Regulation 1999.

• You are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items.

• You have requested that all charges incurred should be refunded for the past 6 years.

 

When you become a customer, we give you details of any charges for the day to day running of your account. Details of our charges are also available from our branch staff, telephone helpline or our website. While banking with us can be completely free, we apply charges if a customer does not have enough money in their account to meet payments they have requested us to make.

 

You incurred charges because you did not ensure funds were available in your account to cover the payments set up by you. It is your responsibility to operate your account within any agreed limits.

 

As a business we are entitled to set charges to cover additional work. These charges are not hidden and are notified in the guide to banking charges leaflet we produce. We advise our customers to ensure cleared funds are available in their accounts to meet payments due. You will also note that in the front of each cheque book we request that funds are available before cheques are issued.

 

You accepted these terms when you opened your account and when you agreed your overdraft. We did not agree to pay your account in excess of the amount agreed without charges being made.

 

Accordingly, I am unable to agree with your request to refund the charges. We do expect your account to be run in line with the terms and conditions of its operation. This means that you must ensure that cleared funds are deposited into the account the working day before any payments are due. If you do not feel you will be able to run your account in accordance with the terms and conditions, we may have to consider withdrawing certain facilities, such as any debit cards, overdrafts and chequebooks. Alternatively, you may wish to consider alternative banking arrangements.

You can ask the Financial Ombudsman Service to independently review my decision. You can contact them at The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Telephone: 0845 080 1800. Website: http://www.financial-ombudsman.org.uk. If you do want them to look at your complaint, they need you to get in touch with them within 6 months of the date of this letter.

 

Yours Sincerely

 

David Just

Assistant Manager

 

 

 

NOW I feel that is saying that if i take my case further, they will cancel my account, hmmmmm

i also have a business account with them, that will be moved tomorrow and i will be contacting another company to take my personal account off them as well, what do you advise my next step is court, because my account has been a++++ for over 2 years with them and this happened 2half years ago+

the letter has just made my blood boil, i am happy to goto court, a great day out, especially if i win the amount,

 

await some help and helpful comments

 

gill

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This letter is just the standard fobb off. If you are going to take action, follow the steps in the FAQ. You are wise in getting new accounts, banks have been known to be vicious

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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Thanks for that, i have an appointment in the morning for the business account, so reading what ive read on the forum so far, i think i may ask them to take my personal account as well, they have had our account for 19years, so they will be losing us and also the business.

i suppose asmall price for them to pay, but have spread the word around today about this website and i know that other emails are being sent to banks tonight....lol

gill

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  • 2 months later...

did the normal email letter and received the standard back.

Filed claim online and received a response back saying that they where going defend the case.

martineau johnson of london will be dealing with t he claim.

came back from lovely bank holiday away to letter of the solicotors.

i dont know if this is a standard letter but it says northampton county court??

how can i ask it to be changed to a court near me??

The letter is 2 pages long and goes on about --

 

1. the defendant lloyds tsb is a bank it is admitted that the claimant has been a customer of the bank at all material times

 

2. by opening an account with the bank, the customer enters into a commerial arrangment with the bank for the provision of banking services. the bank is entitled as part of that aggrangment to charge for those services ETC ETC ETC

 

could anyone help on the next step, do i enter why im claiming?

what do i need to sumit to the court now and how do i get this to a court near me??

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Two things will now happen - you should get an allocation form from the court, which will be when you can ensure that the case is transfered to your local County Court. However, you are also very likely to start getting offers of settlement.

 

This is the time when you need to stand firm.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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do i need to file a particulars of claim?

 

thanks

gillian

 

 

If you filed a moneyclaim then you have already done one.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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as the solictor sent the letter, i didnt know if i had to send them the information ie what dates i was charged the amounts or anything.

just going through people threads to get myself ready for the battle, but ive been in court once before (with a friend) so i know what im letting myself !!!!

Just need to get in moved closer to home, luckily we have mag and crown in our town, but ill keep everyone posted!!!!!!!!!!!!!!!!

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Just to let everyone know that i have received my allocation questionnaire!!

another 100.00 pounds well spent.

 

Just to be naughty, i have used my lloydstsb cheque book on this one, will make sure the funds are there to pay for it...hehehe

 

some are saying that they get offers from banks/sol what is the best way to deal with them!!

 

thanks

gillian

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  • 3 weeks later...

Looks like i received the standard letter through offering to settle out of court my claim is for £2800 plus costs, they have offered me £1742.01

i think the penny is a joke, but the letter advises me that without prejudice and confidential and privileged........LOL

i have read others on the forum about what happens next, so i did expect the letter.

if i sign this they have won, i want the money back they have charged me, so unfair as i was very ill when this happened over 2years ago.

What does the forum advise me to do regarding the letter, i am in the process of switching accounts as everytime i try and transfer money from one of my accounts to another account i have with them, they either advise that i did it wrong or it takes 5/10 days to tranfer to go through (wow - i know)

so business and personnal accounts they will lose, but do i stick to my guns and carry on, as i am willing to take the matter to the courts, i wouldnt have gone this far if i didnt fancy a day out in court..

and how do i respond to this letter as the only form they have supplied is the aggreement one

 

thanks in advance

gill

 

MODERATED threads merged , please keep to your orignal thread when updating , thanks

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gill if you read my thread mjanet v lloyds you will see my reply to it ( post 19 ) please feel free to use it if you want .

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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so is it best to take this amount or carry on with the case, just been to change our accounts to somewhere else, i havent used our overdraft for over 2yrs, but you never know when you will need it, is there any other letters that people have sent??

 

they also say in the letter that

 

Please note that the bank can noy reconcile your claim with the figures it has on record. The sum that is offered represents the actual amount of charges levied on your account blablabla. the calcualation excludes both overdraft interest and monthly fees as you are not entitled to include these charges in your claim.

WHAT monthly charges, do they mean every month that i was charged stupid amounts for a returned DD etc??

 

 

 

thanks

gill

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  • 2 weeks later...

received letter from the banks solicotors this morning offering neally what i asked for so i think yipppppppeeeee

so i emailed the solicotors and addvised them, if the amount goes in our bank before close of business on friday i will be willing to aggree and send the letter to the courts as they have already set the date of the court case

 

there response was ---

 

Thank you for your email of today.

 

We are pleased that you are willing to settle this matter on the terms set out in our letter of 4 July 2006. However, please note that the refund of the amount of your claim can not be arranged until we have received a signed copy of that letter.

 

Please therefore sign and return a copy of our letter of 4 July 2006 as soon as possible. On receipt, we shall contact our client so that the refund can be arranged. We can assure you that everything will be done to arrange the refund as soon as possible but please be aware that this process may take longer than two days.

 

We look forward to receiving a signed settlement letter shortly.

 

In addition, as soon as you have returned the signed letter, we should be grateful if you would contact the Court to confirm that the case has been settled. Please note that the Court needs to be contacted as soon as possible so that the hearing date can be vacated.

 

Yours faithfully

 

 

 

yeah, but the letter is all on one page and the signed area is on a seperate sheet, not as green as i look, if i sign the page they could use this page with any letter that they wish to use it with, so now HELP

there terms are

 

1. The amount of your claim £****, will be credited to the joint account

2. You must maintain your joint account within your current limit and any new limit agreed with the bank

3. payment will be in full and final settlement

 

 

***what does the new limit agreed with the bank mean??

will this bye bye to my overdraft?

this is the only thing that is on this account...

 

and i am not willing to sign a blank piece of paper with no reference to the front cover!!!

sneaky, but if the action group needs a copy, i can scan it in, looks like they are being really sneaky...

 

gill

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You're right to be cautious, also i wouldn't cancel the court action til the money is safe in the bank!:)

I QUESTION THEREFORE I AM!! [sIGPIC][/sIGPIC]

 

Unfortunately i'm not an expert in any given field legally and my advice and that of the Consumer Action Group and the Bank Action Group is given without prejudice and without liability so please if in any doubt whatsoever seek help from an insured qualified professional. Contents of my posts are purely my own personal opinions and not condoned or endorsed in any way, shape or form by CAG. Thank you! :p

 

 

I have been smoke-free for 4yrs

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What gets at me is no where in my email did i advise that i agree to there terms ????

my email to them was ----

 

 

Without Prejudice

 

 

 

Dear Sir/Madam

 

Thank you for the letter dated 4th July 2006.

I am willing to settle on £**** if the amount is received in our joint account on or before the **th July 2006. After this date we will be away and will not be-able to deal with any correspondence until after the ** July 2006. Could you advise by return of email today if you are willing to do this, if you are, on receipt of cleared funds I will send a cancellation letter to the county court? I will now await until close of business today.

 

Kind Regards

 

 

 

 

really fed up, as silly me thought fab holiday coming my way after i clear my c/c off, yeah not till i come home now..boo hoo

 

 

how to respond to them

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Threads merged AGAIN - if you start another new thread relating to this claim it will be closed! :mad:

 

1. The amount of your claim £****, will be credited to the joint account

2. You must maintain your joint account within your current limit and any new limit agreed with the bank

3. payment will be in full and final settlement

 

I don't understand why you have reservations about accepting this offer? Is it not for the full amount? There's nothing to say it relates to another letter so I don't know why you think it does.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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i tried to add on to the last thread but i couldnt find how to do this??

BIG SORRY

 

They have offered me 2802.49, so im willing to settle on this but there letter looks odd??

everything is typed on one page, then on the second page of the letter is the area that we sign, but there is no reference to what we are signing to and there is no link to the front page of the letter!!

so what they could do, is link the second page of this letter to another letter and say we accepted what ever they wanted really, like i said its hard to explain, i can scan the letter in, but not sure how to copy the text from a scan into the forum??

 

 

gill

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So what's on the second page? literally just a dotted line for you to sign or does it have those 3 conditions printed on it?

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Hi gillianbbb,

 

You can see a full copy of the settlement letter I received in my reload vs Lloyds thread (link in signature). Off the top of my head, the last page had a paragraph or so of text, along with the dotted lines for me to sign/date.

 

As you can see in mjanet's thread, there cannot lawfully impose confidentiality on you. So feel free to type up a copy of your settlement offer - if we can see the full text it might actually help us see what you're getting at a bit better.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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thanks for all your help, i have managed to deal with them this morning regarding the letter and they are eager to settle this out of court.

they have emailed through a letter which is pasted below --

 

Without Prejudice

Confidential and Privileged

 

Dear Sir and Madam

 

Thank you for your email of 29 June 2006.

 

The Bank is willing to make an updated offer of settlement on the following basis:

 

1. The amount of your claim, £2,802.49, will be credited to your joint account.

 

2. You must maintain your joint account within your current limit, and any new limit agreed with the Bank.

 

3. Payment will be in full and final settlement of this claim.

 

If you are willing to settle on this basis, you must both sign a copy of this letter (where indicated on page 2) as confirmation that you are both bound by its terms and return it to us. As soon as you do so, the Bank will arrange for the amount of your claim to be credited to your joint account.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

 

Martineau Johnson

 

 

 

 

We confirm that the above terms (set out on page 1 of this letter) are agreed.

 

 

Signed by *** *** ……………………………………..

 

Dated …….……………………………….

 

 

 

 

Signed by *** *** ……………………………………..

 

Dated …….……………………………….

 

 

As far as i am concerned it is a victory in my rights, i will celabrate when the money hits the account, but letter to the court will be with held until i receive the money

 

 

thanks

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Congratulations!!

 

Please complete our bank charges survey.

 

And when your money arrives, a donation would be greatly appreciated :)

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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Thanks Gillian - this is VERY interesting, it appears they've not asked you to sign any confidentiality agreement at all??!

 

:D CHANGE IN PROCEEDURE ALERT!!! :D

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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This is excellent news. Well done :)

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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i will do the survey and no probs on the donation when the money hits the account.

Hope everyone else gets there results through as quick, emailing direct has helped speed the service up, plus the looming court date that i wont cancel until i have the funds, will post when the cash hits, but off on holiday happy, just hope it HITS the account whilst im away, that will make me real HAPPY!!

 

Thanks for the help

 

gill

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