Swisstoni vs Lloyds *** WON! ***

[swisstoni]

Hi All,

Just got my copy statements today and am now in the process of sifting through them, although they haven't sent me statements, just details of charges applied. Is this the "norm" or should I have recieved full statements?

Anyways, onwards towards the spreadsheet it is then.

 

Will keep all informed of my progress.

 

SwissT

[swisstoni]

Hi All,

 

right everything is together and have my figures.

 

Do I have to put the interest on the preliminary letter, I take it this is the 8% statutory interest.

 

Any Help Appreciated.

 

Thanks

 

SwissT

[BARTY]

Hi

No don't include the 8% until you file the Court claim. The interest that the prelim letter refers to is if you are claiming o/d interest (complicated to work out, often not worth claiming) so just delete that part from your letter.

Good luck, let us know how you get on.

Barty:)

[swisstoni]

Hi Barty,

 

thanks 4 that.

 

Yes, will keep you all posted as things go on. Got MBNA to do as well, would you recommend doing it at the same time or wait til i've got into this claim and have an idea of what's going on? I'm just scared of getting muddled up and confusing one with the other.

 

Any help appreciated

 

SwissT

[swisstoni]

Also, I've got a secured loan with black horse (up to date with payments) and a credit card with Lloyds on agreed payments (fell behind a couple of years ago and made an agreement to pay so much a month which i've always kept to and even paid a £1000 lump sum when I had surplus cash). Can they make me pay back the credit card debt? (Not bothered cos my claim is way more than the debt!) Also will it affect any aspect of my secured loan? Any help greatly appreciated.

 

Thanks

 

SwissT

[swisstoni]

bump

[BARTY]

Hi

I can't see you having any problems with the loan, but I'm not sure about the credit card sorry, anybody else know?

Barty:)

[swisstoni]

Morning All,

 

Standard Reply Letter recieved from LTSB this morning from the poor unfortunate Debbie Gilbert at the Customer Service Recovery Centre at Andover.

 

Does this now mean I can send my L.B.A or do I have to wait the allotted 14 days or is this the period in which they have to reply?

 

Thanks For Any Help SwissT

[broke dave]

You gave them 14 days to reply. They have replied so now you can move on immediately. Get the LBA off asap.

[swisstoni]

Just done the LBA,

on the first line, it states "as you have failed to reply to my letter dated xx-xx-xxxx", as they have replied, do I alter this to "In reply to your letter dated xx-xx-xxxx"?

 

Thanks

 

SwissT

[GuidoT]

Something like:

'You have failed to respond positively to my letter dated...'

[swisstoni]

Hi all,

 

after a short delay, the L.B.A was posted off today!!!

 

GIMME MY MONEY LLOYDSTSB!!!!

 

Fingers Crossed Now

 

SwissT

[swisstoni]

Hi All,

 

Posted out my L.B.A. on the 31st May to Lloyds at Andover by recorded delivery.

 

 

Been online the last couple of days and it's not recorded as being delivered.

Rang the royal mail this morning and they say that they've no record of delivery and that it's not deemed lost until next Tuesday and I should submit a claim form then.

 

 

My question is that the lady at the Royal mail said there was a possibility that it has been delivered but as Lloyds recieve so much mail they sign for recorded items them in batches and there may be a delay in getting the delivery information

 

 

however it's not usually as long as the time now elapsed,

so can I send out another L.B.A. to Lloyds,

this time by special delivery as these are signed for on an individual basis

or should I wait till next Tuesday until the item is "Deemed Lost" and start again?????

 

I don't want to be giving Lloyds any ammunition that they can fire back when it comes to going to court.

 

Any help greatly appreciated

 

SwissT

[granby]

you can send the 14 day letter again if you do not want to wait

but if you do,send it next day g/teed

tis more expensive(£4.50 aprox) but worth it in the end

your 14 days will then start from there

[BARTY]

Hi

As far as I am concerned, you have proof that the letter has been sent, so I would give them 14 days from when you sent it and then start the Court action. Chances are they have probably received it, but as they receive that many letters they can't possibly sign for each one.

Barty:)

[swisstoni]

Gonna send another LBA out guaranteed next day so I know that they've got it.

Thanks Guys

 

SwissT

[N.P]

Hi guys,

 

Just to follow up on what Barty said. I agree with him to a certain extent.

You have proof you posted `a letter` to LLoyds, but you can`t prove the content of the letter.

 

We had the same problem with my own Request For Payment and also my girlfriends SAR with Halifax. It turns out they both got there in the end but they have still never been signed for.

 

Royal Mail sent us 2 claim packs for our lost letters, but these where 4 page form which we just couldn`t be bothered to fill in.

 

The best option we now use, is to simply walk into your nearest branch and ask one of the nice customer service people to post it via their Internal Mailing system. Ask for for a Receit and tell them it`s a Letter Before Action and they will write that on the Receit too.

 

The day you take it in is your first day. Once they have it, I don`t care what happens to it, you know they have it.

 

Hope this helps.

 

By the way, I received the £750 carrot into my bank, but haven`t got around to claiming back the other £180 they owe me.

 

We have decided to let the Financial Ombudsman tackle my girlfriends claim with the Halifax. We sent the SAR, then the Prelim, then the LBA which they ignored. So, here`s waiting.

 

Good luck with your claim.

 

 

Neil

[BARTY]

Hi

Have a read of this post:

http://www.consumeractiongroup.co.uk/forum/show-post/post-194653.html

 

Barty:)

[swisstoni]

Hi Barty,

 

Thanks for that, just spoke to a friend tonight who is a company secretary and does all their legal stuff and she told me the same info regarding postage and recieving letters although she says that the contents can be disputed.

 

 

What She told me to do is send a copy of the L.B.A. letter and schedule of charges together with a copy of the proof of postage for the original letter and state

"that it is a copy of the same posted on said date and that as delivery cannot be confirmed due to your high amounts of daily post that 2 working days after the original date of postage shall still be deemed as the date of official reciept"

 

Sounds OK to me

Hope this helps anyone else who has the same problem.

 

SwissT

[granby]

still gets back to if you are posting a letter send next day g/teed

if you do this they are marching to your tune(timescale)

hope this helps

 

the reason is if you send correspondence by rec Del and there is no one able to sign for it then the banks have to send someone to collect from sorting office and this is usually once a month resulting in a dodge on their behalf

next day g/teed is delivered to even a PO box and logged by the postie

so no delay and therefore no dodge

[swisstoni]

Hi All,

Further to the Royal Mail "losing" my L.B.A and me sending them a duplicate L.B.A. on Monday, today I recieved a letter from them offering me £750 as full and final settlement. so obviously they had recieved it although it wasn't signed for!!

Going to reject this but can that money be touched as I have a few bills I would like to pay or should I just leave it where it is?!?!? Any help would be appreciated.

 

Swiss T

[GuidoT]

RM are pants, I have never sent a letter RD for any of my claims. I would not bother with it.

 

Rejection link here:

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

 

Spend away it is yours.

[swisstoni]

Hi Guido,

 

RM are pants, I have never sent a letter RD for any of my claims. I would not bother with it.

 

Rejection link here:

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

 

Spend away it is yours.

 

 

It says in the rejection letter that "I authorise you to remove this sum accordingly", I don't want to use it then have them banging on my door demanding repayment!!!

Sorry for being pessimistic

 

SwissT

[GuidoT]

They will not remove it - do not worry.

[swisstoni]

Thanks Guido