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Karl vs LloydsTSB **WON**


Champnos
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Statements got online, requested from bank with no response, claiming back 5 years.

 

Claim Amount - £1,181.13

 

Preliminary Letter sent - 12/04/07

 

Response Received - 26/04/07 - Standard letter response, says its not a penalty charge but a service charge.

 

LBA Sent Recorded Delivery - 27/04/07

 

Address -

Lloyds TSB

Andover Service

Recovery Centre

Charlton Place

Andover

Hampshire

SP10 1RE

 

Address appears to be the place to send requests for bank charges refunds.

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  • 2 weeks later...

11/05/07 - Still no response, as my post is being re-directed i will give them 1 more week before filing a N1.

 

Quick note, i got a letter from the Statement Request team, copies of my statements, i ended up getting them online as 5 years were on there anyhow. Im sure this has been mentioned before but the Department who sent me my statements said and with no nudging from me "You may now wish to reclaim yuor bank charges" this came from Lloyds TSB, they are telling us to claim so why they defend at all i dont know.

 

Just a note - i never told them i was claiming back charges, i phones bank and aksed for statements!

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I did the same and it didn't appear to affect my claim. Go ahead and file the court papers.

broke dave.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Ok no response yet, i had made a mistake in claiming 8% from the start. Question is as not to look stupid shall i send an amendment and give them 14 more days or just file the court papers?

Go ahead and file your claim, you have given them long enough already to reply positively to your requests.

Just make sure to not make any errors on claim form as if you do, it will cost you a further £35.00 to change them from this point forward.

Good luck, keep us all posted and any questions just shout

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

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  • 3 weeks later...

Ok im finally going to file for court action, while collating my info i noted that i had claimed two charges qhich quote "unpaid loan" now basically i missed a payment on a LTSB loan so surely its classed as Unpaid D/D which is what it really is. Can anyone confirm this is ok to claim? Doesnt add up to much anyhow, one charge was £25 the other £17.50.

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Hi, from what I've seen of other threads the unpaid loan charge is claimable.

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Claim filed on MCOL as needed to use a credit card to pay.

 

Claim number - 7QZ82784

 

Do i need to send the Charges spreadsheet now? or do i wait until i have a letter from the court? Im thinking send it now, where does it go? i read guidelines but it says change address dependant on what court you are at! Take it i send to Northampton now?

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sorry, bump, just want to know the answer to the above before the weekend, would be good to send this off today. Read the guide again and it does say whatever court your case is at, i have no court yet so i send it to Northampton? Would this work?

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As you filed using MCOL send 2 copies of your schedule of charges, clearly marked with your claim no. and a brief covering letter asking for them to be filed as below:

 

The Court Manager,

Money Claim On Line

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours faithfully

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

Your faithfully

 

Dear Sir

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

Yours faithfully

If I have been helpful please click on my star and add a comment.

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Currently no further progress, my claim has been accepted by the court and i am waiting on a response from Lloyds, they have 14 days now about 12 days heh

 

In anticipation of further action is there anyone who has Lloyds TSB T&C's for their Current Account from February 1999 or anytime around then. If you do please pm me.

 

Thanks

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  • 2 weeks later...

Lloyds have Acknowledged claim today. I make it they have 22 days now. 22 long days for me to wait.

 

Should i send a copy of charges to them again along with a nudge and a hello? Then again i dont know who has this case, would guess its the [problem].

 

Good idea? not worth it?

 

Added - Will i receive acknowledgement in post with address that acknowledged?

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Although it will do not harm I would not bother sending them a letter, they will settle in their own time.

 

Acknowledgement should have address, although mine did not.

If I have been helpful please click on my star and add a comment.

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Ok got the Acknowledgement in post, it shows that [problem] have decided to defend but have not yet submitted the defense.

 

I have decided to send a letter with the charges list on it, may as well just in case i get lucky. Not sure if i should have but i included a line that stated if they were tp pursue this case and then settle at the last moment i will be pursuing an order for "Wasted Costs". Might give them the nudge they need!

 

Will keep updating when something new occurs

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Just checked claim, Lloyds have submitted a defense, not sure which defense it is yet so i will wait for it to arrive in the post and i will let you know.

 

Now i wait for it to be allocated to my local court.

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  • 2 weeks later...

Update -

 

Claim has been allocated to my local Court - Bristol County Court

No court date yet

I have also had a letter from Lloyds Recovery centre stating that they still have not managed to sort out my complaint and need more time. They ask i give them this so they can come to some reasonable outcome, maybe settlement? Anyhow i wrote back saying its already at court, please talk to your solicitors and tell them to pay me in full now

 

I also have their defence, gladly its the 9 point standard defence so ne need to copy any of it here. All going along smoothly i guess now we await a court date, or better yet settlement!

 

Edited - Forgot to mention AQ dispensed with

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Good luck buddy, keep us updated please.

I am at the very beginging of my claim but reading how everyone else is getting on and the fact everyone appears to be getting the same blanket response from Lloyds is reassuring and helpful.

 

T

:)

SAR sent 07/03/07

Statements rec'd 14/04/07 (ish)

Prelim Sent 03/07/07

Prelim rejection rec'd 10/07/07

LBA sent 12/07/07

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You need to take control of your case, otherwise it will drag on and on.

 

Read it again tomorrow and post up any specific questions.

If I have been helpful please click on my star and add a comment.

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Ok i think i got it ;)

 

Draft Order should be sent even if AQ dispensed with. This is to assist the judge, if they have this and agree it they will issue it to Lloyds?

 

First i thought, isnt it cheeky sending the judge a order of directions which is what they are supposed to do, i guess its all to help the process.

 

Have i got it right? I shall get it ready and send it later when confirmed.

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