Jump to content


  • Tweets

  • Posts

    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

::Lisa:: -V- Lloyds TSB


::Lisa::
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6092 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I started a NatWest claim at the same time as this Lloyds TSB claim, so posting here also to keep track of whats going off etc.

 

My letter requesting statements/charges was sent off today to LTBS via 1st class recorded delivery.

 

Tracking number for personal reference is: DH839767149GB.

 

Kinda worried about the whole process but the fact I want my money back is greater than worry :lol:

 

Lisa

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Good luck - keep us posted.
Will do.

 

Just thinking about calculating the fees when I get my statements. I used to have an overdraft, which I don't anymore. Their overdraft charges at the time, can I claim those back as charges or is it just the returned DD/failed cheques etc charges to claim back?

 

Thanks in advance.

Lisa

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Lisa - When you know the money is yours, but its just a matter of time before you get it, it's all gravy !! Just a shame LTSB and [problem] can't get it into their heads that putting off the inevitable is a shameful waste of time !

 

Have fun :D

Link to post
Share on other sites

All depends what charges you are referring to - what are the charges called on your statements?
I haven't got my statements yet so couldn't tell you but I am referring to the % they charge when you are in your overdraft and possibly charges for going over an unauthorised overdraft?

 

Thanks,

Lisa

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Tracking number for personal reference is: DH839767149GB
They received my letter today!!!!

 

Your item with reference DH839767149GB was delivered from our BIRMINGHAM Delivery Office on 24/04/07 .

 

Thank you for using this service.

And so it's ON! :)

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

hey bebe i am here.

 

we gonna do this together? im going to send off statement request today.

 

we can spend our winnings together right???

Woo my best friend is here. Yeh, we can do this together and spend the winnings in Weatherspoons on WooWoo's and Lust cocktails! :lol::D

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Not heard nothing from TSB at all. Although I do know they have until Friday 8th June to comply (40 days.)

 

They charged me another 2 charges today at £35 each (£70) and says unpaid S/O and Unpaid D/D although there hasn't been any unpaid DD's SO's on my account as far as I can see *shrug*

 

I'll be adding them when I get my statements!!!

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

  • 2 weeks later...

Just wondering if anyone here sent another letter after so long just reminding them about the S.A.R and days left etc? Not heard anything at all from them and I know time is not up but thought a gentle reminder in the post might push them a little :)

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Not yet. Neither has NatWest, but I have their statements thoguh *shrug*

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

  • 3 weeks later...

Hi all,

 

Can you advise me on the addres to send the prelim letter and LBA? I received a charges list today. They just sent me a list of charges over the past 6 years, no statements.

 

I sent the S.A.R to the following address but looks like I can't send Prelim and LBA to that address.

 

Mr Chris Brown

Lloyds TSB

Copy Statement Unit

Account Services

Group Operations

Swallow House

10 Swallow Street

Birmingham

B1 2AL

 

Thanks

Lisa

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Thank you :)

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

List of charges arrived today. They haven't sent no statements just a print off of charges from the internet. Should I be asking for the statements too?

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Pre-lim letter was sent yesterday. My husband accidentally sent it 2nd class so I estimate arrival on Monday next week.

 

For my ref: DH839767400GB

 

[EDIT] Forgot to mention that my claim comes up to £1,407.50 from Sept 01 - May 07.

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Letter was received today at LTSB. I give them 14 days from today to respond, which will be the 18th June. Wish me luck :)

 

Your item with reference DH839767400GB was delivered from our ANDOVER Delivery Office on 04/06/07 .

 

Thank you for using this service.

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

Good luck .... keep us posted

 

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

Link to post
Share on other sites

I received a letter from LTSB today and in some parts it seems a standard bugger off letter there are other parts which have confused me. I will type below. I'd appreciate some help in this. I have bolded the parts in which they seem custom to me and need help on...

 

7th June

 

My Address details

etc

etc

 

 

Dear Mrs ::Lisa::

 

Thank you for getting in touch with us. I am 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 money in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers 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 lately guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.

 

Just as importantly, we do everything we can to help our customers avoid these charges. You can get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.

 

If you know a payment is going to take you over the agreed 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 prices for the service we provide in these situations.

 

I understand that you may also have some concerns about us sharing information about your relationship with us with the credit reference agencies we use. I'd like to reassure you that this does not apply to bank charges; we only share what is known as white data, which is information about payments to your credit card, loan or mortgage accounts.

 

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.

 

If you have asked for copy statements and paid the fee, we'll send them to you within the 40 day limit set by the data protection act.

 

>

 

I hope this fully answers the points you raised with us. Please let me know if there is anything else I can do to help. If we cannot come to an agreement, I will provide you with details of the Financial Ombudsman Service to they can consider your complaint independently.

 

If you are happy with the way I dealt with your complaint, there is no need for you to reply to my letter. If I have not heard from you by the 2nd August 2007 I will close my file, though of course I will reopen it should you come back at any point afterwards.

 

Yours sincerely,

 

 

*computer squiggle*

 

 

Debbie Gilbert

Team Manager

Customer Service Recovery Centre Andover

 

Do I reply to this ASAP or just ignore it and send off LBA when Pre-lim time runs out.

 

Also, the bolded parts...

 

Why are they quoting credit card stuff when my account is a current (classic) account? They're also saying that my charges are service for the over the overdraft fee. Most of the charges I received were the Overdraft fee, but there were quite a few DD return fees (not many but still) which made me go over that limit.

 

I'm not sure why they're talking about the S.A.R statements too when it was clear I got a list of charges since I put that in the pre-lim letter.

 

Do I reply?

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

  • 2 weeks later...

Thanks nanaman.

 

LBA sent off today, 1st class. For my reference: DH839767223GB

 

NatWest:

23/4/07 - Requested statements NatWest

10/5/07 - Received 1st set of statements

12/5/07 - Remaining statements arrived. Proceeding NatWest claim for £2,235.14

14/5/07 - Pre-lim letter sent

01/6/07 - LBA letter sent

22/6/07 - Filed money claim at court! *gasp*

27/7/07 - Received official defence and bully cr*p!

 

LTSB:

23/4/07 - Requested statements LTSB

31/5/07 - List of charges received. Proceeding LTSB claim for £1,407.50

01/6/07 - Pre-lim letter sent.

09/6/07 - Received a 'bugger off' letter.

21/6/07 - LBA letter sent.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...