Lolia V Lloyds TSB

[lolia]

Hi

Am farely new and have decided to start my own thread.

I have been browsing for a while and have read the FAQs and other threads.

 

I have already calculated my charges £2065 and sent off the first letter asking for my charges and the LBA was sent on the 2nd of april.

I just discovered today that I made a mistake in these letters. I used a spreadsheet and at somepoint in the middle my sort code and account number were incremented by 1(an excel feature) for about 11 rows thereby giving wrong sort code and account number. the charges column is ok. My question is can I send another LBA letter with the amendments plus I have since incured another £70 in costs or do I take the next step of making a court claim?

Thanks in advance

[BARTY]

Hi & Welcome!

Was your correct account number on the actual LBA letter? If so I wouldn't worry about it and carry on with your claim.

You can add any charges on up to the point of filing your Court claim.

Good luck, let us know how you go on.

Barty:)

[lolia]

Thanks Barty

My account number was correct on the letter. I will give them till this w/e and take the next step on monday.

Lolia

[lolia]

Hi all just an update. i have been reading a lot while I wait for my 14 to start my claim. i have had nothing form Llods at all but on Saturday recieved a letter that seems unconnected.

 

Basically saying they owe an appology and a refund of £166.36 (£140 charges £26.36 interest) by 27th to put things right. I have read similar threads.

My question is:

my claim is for £2135. from the similar threads I will deduct £140 from my total claim icluding interest. My LBA was sent on the 2nd April. Do I need to send then another letter to let them know this or do I proceed to make my cl aim as it is lond overdue now?

 

Thanks in advance

Lolia

[nicsussex]

I would proceed to your claim

[lolia]

hello again

 

I was all set to start MCOl and decided to chek my account to make sure that the £166.36 has cleared before deducting. It cleared in the account today but the noticed that yestrday they refunded £750 to my account as a goodwill gesture. I havent recieved any letter regarding this.

I have read somewhere on other threads that i forgot to subcribe to and remember a mention of a letter accepting this as partial payment. can someone please direct me to the template letter.

Also do i need to wait a bit longer to start the MCOL to give then a chance to reconsider? If so how long?

 

many thanks in advance

[BARTY]

Hi

Rejection letters here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

I would just carry on with your claim, deduct the £750 off though.

If you are doing MCOl, this link should help:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Barty:)

 

 

[lolia]

Thanks Barty

Am so happy I found this site as it is a life saver.

I will send the partial acceptance letter and the do my claim.

Will keep you updated.

[Michael Browne]

As far as the £750 goes, enter this as a -(minus) figure on your s/s on the date it was credited.

 

This will then show that you have taken the payment into account

[lolia]

Thanks Michael

 

Just to confirm. I will remove the 750 + 140 from my total claim and then calculate the interest on that right?

 

hanks again

[Michael Browne]

Just to confirm. I will remove the 750 + 140 from my total claim and then calculate the interest on that right?

You can do it like that but that's not what i actually meant.

 

Enter the £750 as a -(minus) figure at the bottom of your spraedsheet on the date it was credited. It will then create a small -(minus) interest figure too..

 

The whole point is to show in black and white that you have taken this into account. If you just deduct £750 off your charges and then file for the remainder,when it comes to settlement they will try to deduct the £750 again, which means more hassle.

 

This way you're still only filing for the remainder but they can see you've deducted the £750