moc1982 v Lloyds TSB

[moc1982]

Hello everyone. First time on CAG, so would just like a few tips on getting my hard earned lolly back off Lloyds- I have written to them with statements for £280. They have replied that they are not going to reimburse me, so I have sent a letter again saying I am going to take them to court. Should I just go ahead and file on the small claims website? And how long can I expect this to go on? I started about 6-7 weeks ago. I'd appreciate any thoughts...!

[Michael Browne]

You should file at court 14 days after the date of your LBA.

This may help:

Getting MCOL Right

[nicsussex]

Expect LTSB to drag there heels on this - even for a small amount like this they are likely to make you take them virtually all the way to the steps of the court. So your timescale will be very much governed by how busy your local court is - the important thing to remember is to stick to your timelines and follow the help you will get on here.

 

Good luck with your claim - keep us posted.

[moc1982]

Thanks for the advice- they dragged their heels unbelievably, and so I'm expecting to have to take it to the courts- I'll keep you all informed

[moc1982]

Hello everyone.

 

I've posted the claim on moneyclaim today- how long should I expect to wait for a response, and when can I expect to get my money? Egg, bu comparison, paid the money 2 days after my threatening letter!

[BARTY]

Hi

There are no set patterns to when they settle, any time from now until a day before your Court date.

Good luck, let us know how you get on.

barty:)

[moc1982]

I have submitted the claim on moneyclaim online. The 14 days they have to reply are up on the 23rd May- there's nothing on the claim site yet. What should I expect? How do they get in touch. If on the 23rd there is nothing there, what do I do? Do I just select the option "the defendant has not filed an admission or defence to my claim?" and how does it go from there? help!

[BARTY]

Hi

I would give them a few extra days after the deadline, then come back on and tell us if they still haven't acknowledged.

Barty:)

[moc1982]

I read somewhere that you should file by default- why should you allow any extra time for the banks? Cheers for this by the way fella! I've read some horror stories about the waiting game on here, mines only for £300

[BARTY]

Hi

The Courts will allow them a few extra days anyway, so it just saves you going down the default route.

Barty:)

[moc1982]

Hi,

 

I have received a letter from Lloyds saying they know about my claim through the courts, and have nothing to add as it is with their solicitors. Then I checked on moneyclaim and they have acknowledged and now have 28 days to respond. What happens now?! This is a bit of an ordeal, its taken 2-3 months to get to here!

[paulpb123]

Hi,

Remember, the 28 days is from when the claim was served, not from now. Usually 5 days after you file the claim.

Paul

[moc1982]

So served being 28 days from 9th May if I started the claim at moneyclaim on the 4th?

[paulpb123]

Sounds about right. You can check the exact date on MCOL.

[moc1982]

Hello everyone who has helped so far- I think tomorrow is when the 28 days expires- what happens now? I've checked on Moneyclaim and they havent responded. Does this mean I win by default? Or do they literally just wait until the very last minute and then I'll be in court? The heartless bastards stung me for another £30 this week after I went £4 over

[jshtr3]

Hi, have a look at this before requesting judgement http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13

[moc1982]

Help!! They have filed a defence at the last minute the xxxx- what happens next? A date in court is on the way....

[jshtr3]

LOL Would edit the above. They'll transfer your case to your local court, probably dispense with your allocation questionare and you should recieve a 9 point defence

[moc1982]

Cheers mate-And what does that mean?

[jshtr3]

Sorry, in non ConsumerActionGroup english.

You will get a letter from northampton saying your claim has been transfered to your local court. An allocation questionare is something the courts use to decide how your case is heard. You may not have to fill one of these in. You will recieve a copy of Lloyds response to your claim the "defence". It usually has 9 poimts listed on it. Hope this is more understandable