Aironaught v Lloyds

[Aironaught]

Hi all,

I've been reading this site studiously for ages now, finally know my way around the forums!

 

I've already sent the prelim letters to Lloyds. The first letter was responded to with the 'standard' letter that so many of you have also received (it's quite nice knowing other people got the same fob off! lol). Then the second letter (LBA) was completely ignored.

 

I've just filled in the N1 form, and printed it all off. I've updated and printed my schedule of charges too.

 

So, I'm just wondering whether I need to send a copy of the updated schedule of charges directly to the bank?

 

Also, it's going to be a bit awkward getting to the court, (unless I can juggle work a bit tomorrow afternoon), so am I able to post everything? including payment? or is it better to go down in person?

 

I really want to get this right, because Lloyds are gits.

 

thanks in advance :grin:

[remus]

Hi Aironaught, Have you done 3 copies of every thing to take to court? court stamps/seals all 3 copies, keeps one sends one to the address of bank you have inserted on N1 bottom left corner, and returns one to you.

Suggest you juggle:p then you know its started, and no LOST in post:rolleyes: also you can double check any questions you have about the process, (Kazzie excluded! she knew more than the clerk:eek: )

Happy claiming:D

[suzanne186]

have you got a templet for the charges schedule i'm not sure how to do it!

[adamc6671]

Hi Aironaught - Nothing wrong with doing your best to get it right!

 

You shouldn't actually need to send a revised schedule to Lloyds - they'll get it anyway when the Court sends them the claim form. However, it won't do any harm - Lloyds are very good a finding reasons to delay things, and that is one of them! Have a good read of the 'stickys' at the top of the Lloyds forum - you'll find a lot in there to help. Another thing to remember is to make sure your a/c number is on the N1 - see the 'Claim too vague' sticky.

 

You can post the NI (3 copies of N1 + Schedule of charges + payment) to the Court - that's fine, but if you take it there yourself it gets there quicker, and they'll check it for you when you hand it in, which can save delays.

 

Hope that helps - all the best - Adam.

[sea-sidelady]

If you can juggle your time, it only takes about 10 minutes.

[remus]

suzanne 186, Have had a read of the 3 threads you have started, and I'm getting confused, no doubt you are:confused: have a good read of FAQ's and Library which gives you all the templates you need, then stick to one thread, and you will get all the help you need to get a succesful out come:)

Read Read and Read Some:p more

best of luck with your claim

[Aironaught]

Thanks for all the advice, much appreciated

 

I have printed three copies of the N1 form, all with schedule of charges attached.

 

Adam, I have put the account number in the POC, hope that's what you meant.

 

I'm going to go to the court in person after lunch tomorrow, that way I know it's been received, and stamped etc.

 

Wish me luck, will update once it's handed in. Then the fight really starts, eek!

[adamc6671]

Hi Aironaught - Yep - a/c number in POC is fine - Lloyds can't argue that you haven't provided it (though they might try!).

 

Glad to hear you're taking the form to Court personally - I'm sure its the best way. Don't worry, though - Lloyds may well try every delaying tactic in the book, but it won't impress anyone, especially the Court, stick with it (you'll get all the help you need here on CAG), and you will, with almost total certainty, WIN!!!!!!!!!!!

 

All the best - Adam

[Aironaught]

Well, I've taken my forms to the Court and paid my fee.

I got a receipt, but they kept all three of the N1 forms.

They said that I could take my copy there and then, but it would not be stamped or have an issue date or Claim ref on it. They said that it will be posted out to me with the claim ref no. & issue date at the start of the week (so I'm thinking that I should have it back by mid-week).

 

So, I suppose it's just a case of waiting now..... :-|

[curlychic]

When you get your claim ref number, dont forget

to PM a mod with your claim details, to be added to

the litigation section

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/88776-we-need-your-litigation.html

 

Good luck, keep us all posted

XxXxX

[Aironaught]

My claim has been issued and Lloyds have until 04 June to reply.

 

Do I just wait til then and then inform the court that I have had no response? Or do I need to wait a few days just to ensure that its not just still in the courts backlog?

[jowalshy]

Once your claim has been issued you will get an acknowledgement from the courts that Lloyds have received it and that they will defend it. I am afraid you have to do a bit of sitting and waiting now. Once they have acknowledged your claim they then have 28 days from the date of the claim deemed as being served in order to defend it.

[Aironaught]

But what if I receive no response from them at all?

 

Today is the last day Lloyds have to defend the claim, so if I have still not received anything by the end of the week, should I just send the Request for Judgement?

[nicsussex]

I've been reading this site studiously for ages now, finally know my way around the forums!

 

Then you will know that it is perfectly standard for Lloyds to do everything at the last minute and probably even later

[Aironaught]

I have received a 'notice that a defence has been filed' and so now I have until 29th June to complete & return the allocation questionnaire.

 

best get on with it!

[remus]

Aironaught, I had to do the same, managed to get the AQ extra info filled in properly, after having a vague defense entered against me, so it worked in my favour.

Bit deflated that my claim has got this far, still check my account everyday just in case:p .

Your not alone.

Happy claiming:D