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    • Hobnail you don't know Elms too well yet. I am surprised that they got as close as they did to adding up to 30. I think the poor dears get confused because most other letters they send out are to give 28 days notice. They even  have difficulty with their two times table and often consult with the char lady to confirm that 2 plus 2 equals 4.  Just act on the notion that they are total numpties and you won't be far out.
    • To carry on from the above post it may be helpful to go through their WS using their numbers. 9] motorists do NOT accept the contract when entering the land. First they have to read it and understand it and then they realise that a] "No stopping" is prohibitive and cannot offer a contract. b] the signs around the bus stop do not mention who issued the No Stopping signs so it could not have been issued by VCS since the IPC CoP states that their signs should include the IPC logo and the creditor be identified.  10]There is no mention of £100 charge for breaching the No stopping request or if there is it is far too small to read even for a pedestrian. 11] no matter how often VCS say it, it is NOT a contractual clause   22]" the claimant has given the Defendant its contractual licence to enter the site". No it hasn't. This is a road leading to the airport. All sorts of people are going to the airport-travellers, taxis, fuel bowsers, airport staff, companies delivering food and drink for each aircraft, air traffic controllers, buses. It is absolutely ridiculous to attribute VCS wth any sort of permissions. The land owners yes, but not VCS . There can be no sort of analogy between a car park and a major thoroughfare where VCS have no place as it is not relevant land.   23] there can be no contract as there is no offer only a prohibition. And it is not relevant land no matter how Mr Walli attempts to prove otherwise. 25] VCS may have won a few times but none quoted was on an airport covered by the RTA and its own Byelaws. They also have lost more cases than they have won using their prohibitive signs. 26] First one has to consider if there is a contract. Is it relevant land? No. Does a valid contract exist betweer VCS and Peel? NO.  27] the signage at the bus stop may show the conditions ie  no stopping, and restricted zone but not the terms ie is there a charge for stopping and who is the creditor. The last section of the sign is illegible  29] already stated that a WS between VCS and peel is not a valid document 31] it will need more than the Claimants feather to outweigh the case against the Defendant no matter who was driving. 32] there is no law of agency involved. This is not a case of employer/employedd relationship. VCS are muddying the waters because they have no way of transferring the driver's liability to the keeper 33] this a red herring. There is no list of highways at all  on the Highways act 1980 so this is a deliberate strategy to debunk the fact that this road is not relevant land. VCS are put to strict proof that it is relevant land not covered by the Road Traffic Act nor by Byelaws. 34] there ican be no comparison between a railway station and an airport. Totally fatuous analogy.  35] yes the landowners can bring in their own terms but what the cannot do is overrule Byelaws and the Road Traffic Act. 39] surely the paralegal cannot be that ignorant of PoFA. If Bye Laws are involved then the bus stop is not relevant land and so the specious argument about FGW is rubbish   36] what on earth is he talking about with Permits. There is no mention of permits on the signage and even if there were  would it mean that Permit holders were allowed to stop on No Stopping roads? There are enough examples on CAG to counter act their idiocy on continuing charging the extra £60   46] VCS had NO reasonable cause to apply to the DVLA for the Defendants details. No valid  contract with the landowners No stopping is prohibitive therefore cannot form a contract the event happened on a bus stop over which VCS has no jurisdiction the signage either does not show that there was a charge of £100 for stopping, or the font size was too small for a motorist to be able to read it  the signage does not show the Creditor which fails the IPC CoP so not valid the WS contract does not appear to authorise VCS to pursue motorists to Court Given all these factors it seems that VCS have breached the GDPR of the Defendant quite substantially and it would appear right that an exemplary award is made against VCS in the hope that they will drop all further cases at Doncaster airport where they are pursuing motorists on non relevant land.   48] what is this guy on? You weren't in a car park you were on a bus stop 59] this case is totally without merit. I am not surprised that the paralegal will not be turning up. Some statements are pretty close to perjury and others are designed to mislead or misdirect. None of the analogies seem appropriate or relevant. Could have been said in at least half the time without the repetition and trying to make a case where none was there. One particularly bad example of misdirection was in the photographs. The Clearway sign shown near the bus stop is very unclear  unlike the Clearway sign two photos before it which may well include terms and conditions. The one by the bus stop is totally different.      
    • just type no need to keep hitting quote...   your defence doesnt need any return of docs.. carefully read what has been posted here and in the other threads i pointed to in your old thread merged here too.   redwood/harwood or STA or brachers.   just use our enhanced google search box.   uni fees is useful too.   this guy is just in front of you    
    • Tech firm CEO Jeff Lawson warns bosses not to make hasty judgements about their employees.View the full article
    • I have just spent last few hours registering and signing up and filling in all the details.   Below is a POC I have drafted.   The defendant is a parcel delivery company DPD (UK) LIMITED On 09/08/2021 the defendant agreed to deliver the claimant's parcel containing a PlayStation 5 Disc Version value £530, to an address in the UK. The delivery fee of £7.79 was paid by the claimant. Parcel tracking number: ???????? Parcel reference no: ????????? The defendant failed to deliver the parcel and have reported it as lost on 20/08/2021. The defendant refuses to refund the full value of the item and the delivery fee. The claimant seeks £530 being the value of the item, £7.79 delivery cost and legal fees.        (Sorry for being stupid but this POC is supposed to go where it says    " Claim details Why you believe you’re owed the money: " right? Reason why I'm asking is because I don't see anywhere it specifically says what are your particulars of claim)   Tomorrow being the 15th day, I will be ready to click it off (assuming the POC is ok)    I have read a few more hermes/packlink etc stories where they were resolved and gives me hope I will regain my lost money.  Will carry on reading up as much as I can.  
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x3 claims against Lloyds TSB


su2402
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I have today finalised 3 letters to be sent tomorrow recorded delivery to LLoyds TSB.

 

3 letters because I had 2 accounts with them and also a credit card.

 

I have basically calculated what they owed me from the statements luckily I have kept since 1998 and have entered the data onto a spreadsheet and calculated the interest. I used a letter template from martins money tips as the wording is simplified and mentions claiming the interest the courts will award anyway (felt this might show that I will go to court if necessary)

 

anyway they have 14 days so i'll track the recorded delivery on the web and see when they acknowledge receipt and the clock starts ticking.

 

total amount claimed: £1668.50 not including interest.

 

Shall keep you posted on developments.

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I would seiously advise against sending those letters, particularlly in a claim against LTSB. The template letter from here is more effective and does not suggest a compromise. LTSB will most probably make you issue a claim against them so you need to be clear in what you are setting out to them from the outset.

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I am writing to request that you repay all the default charges that have been applied to my account. I do not believe these charges reflect the true cost to Lloyds TSB.

 

The charges total £1299.00, plus as I believe I have been unlawfully deprived of the money I have calculated £539.13 interest at the statutory rate, the amount the court will award.

 

I therefore ask that you repay me the full amount of 1838.13. I have attached a full schedule of the charges and interest with this document.

 

I look forward for a full response to this letter within 14 days.

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just thought otherwise i just ask for the minimum where actually i want the max from them. and might settle for the lower amount if they felt generous enough to offer a compromise?

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did see that letter but thought you couldn't claim overdraft interest so was a bit confused why it was mentioned. I also thought perhaps short was sweet? ohhh i'm confused now :(

Su

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No need to be confused - have a good read around here - in particulat the FAqs and the many posts in the Lloyds forum and you will then find that all will suddenly become apparent. Do not however rush into sending ill advised letters, you are after all threatening to sue a major financial institution. That said if you follow all the advice on here(and there is a lot of it) you will get your money back.

 

Good luck with your claim - keep us posted.

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hi su2402, just to say I started with martins money tips, and sent the initial letters from the site, he did make it sound very easy.;)

He also pointed me towards here which has been a god send.

As nic says this is serious, and you need to read as much as you can, and everyone here will guide you through it, you are not alone!

I have had LTSB put in a defence, my Allocation questonnaire has been submitted, and I am waiting to hear my court date.

They are in the wrong:mad:

 

So good luck with your claim, and keep us updated:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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3 letters sent today recorded delivery. I can access the data regarding when the recorded items were accepted by the addressee so shall keep a look out. and then 14 day count down starts :o)

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eeeek guess it is just sinking in when you have handed letters over in post office and realise there's no turning back (not that I wanted to)

 

read somewhere that to be fair you should go from date letter received and recorded delivery offers tracking so you def know it gets their.

 

just the start of a long struggle with more letters and then court before they cough up from what I have read.

 

bought 2 scratch cards today and won £9 and sold caravan also for a good price so luck is looking up i think :o)

 

will keep you posted

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does anyone know if you are treated different if the account is now closed that you are claiming off? obviously money can't be paid into this account etc. But on a plus point they can't close my account down as it already is.

Worst I have with Lloyds is a 10 year loan to basically prevent further charges and huge overdraft interest that I was paying. So changed overdraft into a loan instead.

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read someone has a loan they are paying off (mine was basically turning a £4000 overdraft with overdraft interest of £60 a month into a loan over a long period to clear my 'debt' with this claim is there anything Lloyds can do apart from offset what I might win against what I owe?(btw I pay on time by direct debit for the loan and have not defaulted at all on this)

any advise appreciated am counting down my first 14 days at the moment.

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sent off x3 letters (2 bank account and 1 credit card) asking for money back (based on statements I already had) and told them the 14 day wait and i waited :o)

 

just got x1 letter today

their reference complaint ( i just asked for what is rightfully mine!)

and they say the following:

I am writing to acknowledge receipt of the concern you have raised with us.

blah de blah

It is expected that our enquiries will be completed within the next 4 weeks and we will then be able to fully respond to you.

Thankyou for your patience etc.

 

 

how do i stand legally if i do wait til they reply (as long as this is 4 weeks) and should i expect 2 more similar letters or can they reply in bulk using one reference for basically 3 different account numbers.

Also could it take Lloyds longer to look into this as i have not asked for statements because I have them all already?(basically giving them opportunity to have charges already listed)

 

confused lots now!

 

and just got letter demanding money off tax credits they have me as earning £27K so say have over payed me (my thought...I bloody wish I was lol)

 

any help appreciated

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And dont forget to allow 2 days for postage delivery. So in reality you allow 16 days between each letter and then issue your claim via either mcol or n1.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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And dont forget to allow 2 days for postage delivery.

 

Up to you - but not entirely necessary - after all if the boot was on the other foot and they were chasing you for money do you think they would be so lenient - the 14 day timescale is perfectly reasonable for a large institution to respond to should they really want to.

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x 2 letters received.

the references do not match account numbers so am confised. first one i got has a compaint reference !

and says" i am writing to acknowledge receipt of the concern you have raised with us. ...it is expected that our enquiries will be completed within the next 4 weeks and we will then be able to fully respond to you" signed customer service recovery centre

 

the second says "thankyou for getting in touch, i'm sorry you are unhappy about your account charges. Like any business, we do make a charge for some of our extra services. When customers don't have enough un their accounts to cover a payment, this always eans extra work - and has to happen very quickly. We have to agree to make the payment by incresing the overdraft, or tell the customer we can't agree it. We feel it's fair to charge for this service.

Of course it's only fair too, that we're completely open about any charged-for services before you might need them. That's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, the helpline and website.

If you know a payment will take you over your limit you're welcome to see if there's anything we can do.

The Office of fair trading has published new guidelines on credit card default charges. We're still talking it through with them, but the important point is that the guidelines are about default charges that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations.

I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges.

 

It then weirdly says the following: if you've asked for copy statements and paid the fee we'll send them within the 40 day period. If you have not yet sent the fee you will need to send it to us at the address below.

 

I say weirdly as I have stated the dates and charge name and amount (as i have the statements)

 

where am I now?

do i call to see which one they are meaning with which letter?

and presumably carry on with letter 2 although do i challenge the points they have made?

 

any advice appreciated

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Hi su2402 I think you will find they are standard letters, sent out as soon as you mention charges, I sent a nice letter to LTSB re my daughters account and a couple of charges, asking for refunds, no intention of going the court route, and just got standard letter back. so I thought sod it, we are now at the end of the 14days after sending the LBA same point as you, I will print off the POC, and my daughter will take it in to her local court.

Don't bother ringing them, just winds you up and wont acheive anything, just progress with your claim:)

remember you are not a person to the bank just a number:rolleyes:

read read and read some:p more

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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