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Help With Lloyds Gold Credit Card***WON***


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hi iam currently at the 14days deadline for taking my lloydstsb gold credit card to court for £116 in late charges. 14 days up 2morro after sending lba. credit card bascially ignored me jus been keeping sending apoligies for complaint letters.

the reason for this thread is i need advice on this.

i just won £320 from my current account with lloyds, after making a claim in court they wrote to me to say they will pay up and no need for court blabla. iam accepting that as its only £38 frm what i would have got in court.

anyway back t credit card.

i would like to ask a list of questions and please would like a response??

has anyone taken there credit card to court and won full amount? ( reason for asking is that my credit card keep telling me charges have been reduced to £12 from £20 so i would only get the difference)

does anyone have any templates for credit card court form and credit card spreadsheets?

also is it worth taking them to court???

please also let me know as much information as u can please and thank u!!

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:) Hi Madhoose

 

Welcome to the CAG forum.

 

Congrats on your successful claim on your current account.:)

 

OK, Credit Cards. There have been many, many successes with credit cards, essentially they are the same as bank accounts, if anything as a result of The OFT Report in Apr 06 on credit card charges, the case is even stronger.

 

Although we have seperate templates fro CC letters and spreadsheets, the court filing stage is pretty much the same.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

That link is for the N1 form, fill it out using the templates supplied and amend intelligently to suit the fact that this is a CC claim.

 

If they try offering you the difference between £12 and £30(?) then DECLINE!

If a penalty charge is unlawful then ,it is unenforceable in its entirety.

 

You ask for the link to the spreadsheet templates, these should already have been completed and sent with your letters, if you have not done so, supply them immediately.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Good luck

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thank u well done on ur claims! i will have a look through spreadsheets but never sent one to bank when asking for charges back!?!?!?!

 

The spreadsheets are a vital part of your claim, post back here if you have any problems with the spreadsheet.

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Hi I Never Sent Spreadsheets With Current Account Just When I Filled In Court. Emm The Link U Gave Me For F1 Form Or Sumit. Iam In Scotland And I Download The Form Of The Scottish Vourts Website Then Hand Them In Court Myself So I Get Fee Waiver. Do U Know Here Templates For Scottish Courts Is ( Credit Card)

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Hi

Spreadsheets are here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Good luck, let us know how you get on.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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well got return date and hearing date for next month so i am expecting a settlement from bank v soon. got all my spreadsheets thanx will let u know how i get on....................to be continued ;)

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Just to confirm - on 7/05/07 - your 14 days is up, following LBA, tomorrow. Here we are seven days later and you have a hearing date for next month?

 

Not an expert on the Scottish system but this does seem very quick!

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Just to confirm - on 7/05/07 - your 14 days is up, following LBA, tomorrow. Here we are seven days later and you have a hearing date for next month?

 

Not an expert on the Scottish system but this does seem very quick!

hi yes does seems ver quick went in to court on monday to hand in claim and by the following saturday ( 5 days later) got letter in post giving me the hearing date and return date for next month!!!

was much quicker thn when i claim for my bank account that took few weeks! must be not so busy where i live hehe ;)

so iam glad it nearly all over as once i get this pay out im finished woohoo.......... till any more charges :(

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  • 2 weeks later...

hi i have just had £62.00 refunded into my account from credit card. not recieved any letters from them yet ( but money just went in today). anyway it is not the full amount iam claiming ( £ 128 is full amount) should i accept it a give up or write to them telling them i accept only part payment just now. and that i wont cancel the court until i recieve full settlement? let me know urs views after reading this forum in full thank u :)

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Hi, good luck mad,

 

Im just subscribing to this thread as my wife's Lloyds gold credit card is my next project after I complete my claims against lloyds and Abbey.

 

matt

Lloyds settled in full

£4010.02:D

 

Halifax CC settled

£417.00 :D

 

Lloyds PPI

£3672.15 Refunded off loan :D

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hi i have just had £62.00 refunded into my account from credit card. not recieved any letters from them yet ( but money just went in today). anyway it is not the full amount iam claiming ( £ 128 is full amount) should i accept it a give up or write to them telling them i accept only part payment just now. and that i wont cancel the court until i recieve full settlement? let me know urs views after reading this forum in full thank u :)

 

Hi

It's your choice, do you want the rest of your money back, or are you happy with that?

If you want to carry on with your claim, send a letter from here:

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

 

Barty:-)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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hi an update the £62.00 was not for my credit card refund. it was from when i got my bank charges back. hearing date was for today ( bank paid up) i canncelled it but bank wrote letter to me the day saying £62.00 is court costs and intrest so iam happy gotta bit more than expected yeahaa.

so credit card still no word back! got 1 month till return and hearing dates so hope get a settlement by then will keep u all updated!!!!!!!!!

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  • 3 weeks later...

OH !!!

return day has passed (friday ) not heard nothing at all!!!

is this a good thing???????????

gotta phone court on monday to see if bank loged defence hope not

any way hehearing date this next friday!!!

 

any tell me what will happen if bank not responded before return day??????//

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HELP HELP!!!!!!!!!!!!!!

i phoned court this morning cos return date passed and never heard anything. court told me bank has lodged a defence !!!

iam so scared someone please give me advice court this friday!!!

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What address did you use to sar Visa account? Was it the same as your bank account?

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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hi any time i sent letters to bank for example the lba i sent to the card services address ( the address i kept getting letters from them from) bt when i put my claim into court i just used the lloyds customers service centre address in glasgow as nearest.

 

 

PLEASE SOME ONE HELP ME IAM REALLY DONT WANNA GO TO COURT

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HI I HAVE STILL HAD NO RESPONSE FROM ANYONE ON HELP/??

i havent recieved anything from bank about defence will i hear by friday?

doi have to do anything by friday

i have to be in court at 10am friday morning and iam scared

really sh**ing it!!

pleae some one help me remember this is for my credit card wiht lloyds tsb not bank account.

i already got a full settlement for my bank account before return day do now they have put in a defence this time has really thrown me apart ooooooooohhhhhhhhhhh nnnnnnnnnnoooooooooooo

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first of all;

 

stop panicking as they wont turn up and never do. you can download and print off your cousrt bundle from the templates list. this information relates to charges and their being unlawful so relate to all credit from account to credit card. take this with you just in case and when they dont turn up you will win by default.

 

at the end of the day whats the worst that can happen to you??????

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hi can someone give me advice for my prelimanary hearing this friday ( 22/06/06) do i need to take all the bundles with me for it? so much to print out. also do i need to print copy for court and whoever turns up for lloydstsb. ??? any advice would be much help thank u!!!

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