broke dave v LTSB ****WON!!!****

[Wilks 77]

Dave,

 

Have a look at the internet archive wayback machine. I have printed off T&C's in relation to charges from the old Lloyds TSB sites. It doesn't say that the charges are for breaking an agreement though, just that its a fee for providing a service.

 

I haven't got the link to it mate, sorry.

[broke dave]

Sorry to everyone that I haven't been around for a bit to offer support.

Had what I thought to be some good news after the bad news referred to above.

Have now added a new contract which means I am now working 5 to 6 days per week. Told Business Manager and asked for unauthorised O/D of £2000 to be made an authorised one to avoid further charges.

After 2 hours on phine this was declined. May now lose the house this month

Have other info that he gave me about charges but am too tired and frustrated to share them now.

Will update in the morning.

Good night and God bless all of you facing the same challenges.

p.s. no holidays planned here just keeping a roof over my head

[McIavelli]

.."Told Business Manager and asked for unauthorised O/D of £2000 to be made an authorised one to avoid further charges.

After 2 hours on phine this was declined".

 

Just compare & contrast the caring face that the banks put across in their tv ads (note how LTSB use cartoon characters to portray their customers now) with the actuallity as shown above; They never cease to amaze me.

 

All the very best Dave, go get YOUR money back & give those avaricious (edit) a good kicking whilst your at it.

 

Keep your chin up. Good night & God Bless

 

McIavelli (I'm not that devious really)

[broke dave]

Update. Nothing from **** following 2 nudge letters. So it looks like this is going all the way . Putting bundle together today, but still can't find T&Cs. However, I have found a couple of O/D letters which on the back have 'Our Guide to Banking Charges' explained. Does anyone know if this will be sufficient. It is after all indicative of the T&Cs which were in force at the time.

[broke dave]

Oh and another thing! Why have I always got a guest viewing my thread? As the last post was 4 days ago I am well down the list. Getting paranoid;)

[GuidoT]

They are still settling and not turning up for hearings unless you are claiming CI or pre 6 years years charges.

 

I have searched around and cannot find T&C for the period you require.

 

I cannot find T&Cs on the Internet Archive Wayback link here (you have a try maybe I am missing something: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html#post732094

 

I would expect T&Cs to look like that in post 48 above.

 

I would use that in post 48 above if you can find nothing more suitable. If Lloyds then contend that the T&Cs are incorrect then it will be for them to adduce evidence in the form of the correct ones.

 

About the guest, someone has probably left their computer on open on your thread. Even the slowest reader would not take 4 days to read 55 posts.

 

If I stumble across any I will post you a link to them.

[broke dave]

Thanks for the support G. I couldn't find them on that link either - maybe we have both gone mad . Probably will use those on link 48, together with the wording on the back of the 2 letters I have found.

Hoped it wouldn't go this far but let battle commence. Hope the local judge is freindly!

Sorry, can't click on your scales as I need to spread my reputations around

[broke dave]

Have decided to include this in my bundle

 

BBC NEWS | Business | Judge slams bank payout delays

 

Any thoughts anyone?

 

Also, having read on another thread (can't remember where) about courts not requiring full documents (as they see them every day!!), would the following be acceptable?

 

I, BD as the claimant will rely on the following documents as a state of fact as supporting my claim:

 

Then put in the headings of the basic court bundle; giving links to the documents in case **** can't find them.

 

You then only need to put in documents that are personal to you. This saves both the claiment and the court a lot of time.

 

Just a thought before I run out of money and ink

[broke dave]

Also look at this for inspiration:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/98922-notice-allocation-small-claims.html

[Butterflycollecter]

Hi Broke dave

 

Thank you for your message.. im sure it will , just sit tight - will watch your thread to see how your getting on .

 

Good Luck

[diamond4736]

Whilst considering the above action I am still putting together Court Bundle. Anybody got T&Cs for a Select A/C 2001-2007?

Hi Dave got T&C's for 2007 here if there any use.

LloydsTSB - Terms and conditions for current and deposit accounts

[GuidoT]

Have decided to include this in my bundle

 

BBC NEWS | Business | Judge slams bank payout delays

 

Any thoughts anyone?

 

Also, having read on another thread (can't remember where) about courts not requiring full documents (as they see them every day!!), would the following be acceptable?

 

I, BD as the claimant will rely on the following documents as a state of fact as supporting my claim:

 

Then put in the headings of the basic court bundle; giving links to the documents in case **** can't find them.

 

You then only need to put in documents that are personal to you. This saves both the claimant and the court a lot of time.

 

Just a thought before I run out of money and ink

 

You must file your own bundle in full. If I have not done so already I can send you most of the core documents in one PDF (if you PM me your email address).

 

Where specifically did you see the thread saying no need to file your own complete bundle? This is a dangerous activity and I would only embark on such a course if a judge specifically directed it and even then I would be reluctant - I would not want to rely on a bundle prepared by someone else; I have seen some flakey claimant's lately (not referring to you of course BD).

[broke dave]

It was here:

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/98848-court-bundle-lloyds-tsb.html

 

Don't worry I think I have everything I need for Court?

[tina9776]

Hi BD - have been reading through your whole thread. Thought you may be able to help me with regard to Notice of Transfer of Proceedings which I have received. It says that the claim has been transferred to my local County Court of Winchester. It also says that "the filing of an allocation questionnaire be dispensed with in this case unless the Districtrs otherwise Judge at the court of transfer order"; and

"Note: Any party affected by this Order may under Rule 3.3 (5) apply to have it set aside, varied or stayed. Such a party must apply under Rule 23.3 within 14 days of service of this order". What does this mean?

The defence was then a 9 pointer which I gather is standard. I've posted it on my thread.

I realise how busy you must be at the stage you're at, but as our claims seem to be going along a similar route, I just wanted to ask whether I should be doing anything now. A mediation leaflet arrived with the Notice of Transfer of Proceedings.

I would be so grateful if you could help me and I'm sorry you've been having such a time of it recently.

[GuidoT]

See here:

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html?highlight=dispensed+AQ

 

Ignore the note and mediation leaflet.

[tina9776]

Ok, but have just read on someone else's thread (LisaM696969) that she sent a draft order for directions following her Notice of Transfer of Proceedings but before getting a court date. She copied this to SC&M as well as sending to local county court and Lloyds have now settled. Would it be worth sending this and if so, where do I find a template or information for the draft order for directions.

Would be very grateful for your help, will paste this onto my own thread too!!

Thanks.

[GuidoT]

I cannot find your thread.

 

The draft order and settling by Lloyds are likely to be co-incidence. Lloyds settle in their own time, unless they have judgement. However you should still send it.

 

Read the link in my post 65 above, it includes a link to the draft order. It would be helpful if you read the links in previous posts before posting up a question that has already been answered - it cuts down on all our typing.

[GuidoT]

I have found your thread now, I see BD started your thread. You should stick to it. I have copied post 67 to your thread too.

[Butterflycollecter]

just read your whole thread - sorry to hear you have been having a difficult time of it . Try not to get to stressed with it all - they will settle eventually.

[broke dave]

Thanks GuidoT and BfC. Haven't had time recently to help anyone. Tina, I hope that your questions have been answered. Nothing for you to worry about.

[broke dave]

Court Bundle almost ready but I am waiting until the last minute. Have printed a lot of stuff out but not any T&Cs or Witness Statement (yet). I've seen today that CAG are preparing a new statement for those who have court dates imminent. Have PMed GaryH but if any other MODS see this please help. Ideally I need to print and photocopy everything over the weekend and lodge at court Monday. Then send to **** next day delivery. Court date is 10/07/07

[broke dave]

Any ideas on the new Witness Statement anyone?

[broke dave]

If anyone has PM'd me over the last 24 hours please try again as my e-mail address has changed (couldn't pay for the other one!!!)

Gary H I really need your help with the new statement if it is ready. Monday is cut off time.

[GaryH]

PM me again if they haven't settled with 3 days to go. You almost certainly won't need it.

 

Referencing specific T&C's to the WS and tayloring each to particular accounts is labour intensive as you can imagine. I've got my hands full with the Birmingham cases at the moment.

 

In the Small claims track late amendments or additions to evidence are permitted so it won't be a problem to add it nearer the time if necessary.

[Liani]

Hi,

I have court date 23rd July ? I think this is for allocation, do I need to take any paperwork or money to pay any fees?

I thought they would have paid up by now. I have received 750 of my claim for 2025

Can anyone help me please?

Thanks