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    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS polled FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the and the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
    • Please go back and read my message posted at 10:27 this morning @jk2054. I didn't say that I wasn't going to provide documents, only that I will upload them to an online repo that I am in control of, and that I would share links to these. You shall still be able to read and download them no different from if they were hosted here. And, the issue I have is not so much with hosting, but using an online pdf editor to create a multi-page pdf, again I have discussed this that same message.
    • Thanks ,DX, I'd forgpotton about that letter and can't remember sending a SB letter. I must have left it and they did not chase. Unclebulgia. Yes several periods of no contact. Think its time for the SB letter . 
    • well if your not going to upload documents because you are too scared of your data being stolen and someone rocking up to you we are going to struggle to help you peoples energy data breach has nothing to do with a hosting site...
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Jomish vs Lloyds TSB ***WON***


jomish
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I have received a notice of 'Transfer of Proceedings' which says...

 

"Futher, insofar as part of the Claimant's claim is based on charges his account prior to six years from the date of issue of his claim, that is 26th March 2001 this part of the claim is statute barred by Section 5 of the Limitation Act 1980. The defendant is unable to verify the amount claimed prior to the 26th March 2001 as the Statement of Claim does not show how the amount claimed is arrived at"

 

I read something that I should send a letter to MCOL with the charges I calculated. Is this still true? Is this the correct stage to do this?

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Hi Jomish,

Welcome to the forum.

I know what you mean but the banks are guilty of concealment and that fact can overrule the statutes barred.please read in this link.

http://www.consumeractiongroup.co.uk/forum/general/7724-limitation-act-1980-time.html

use the template letters in order. Stick to the timetable in there.

please take time to read the faq's

LINKS....

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/71112-glance-guide-claiming.html

FAQs....

Templates Library....

If you have charges going back further than six years read in here;

http://www.consumeractiongroup.co.uk/forum/general/80486-claiming-beyond-6-yrs.html

There is also live chat, visit if you need any quick advice.

http://www.consumeractiongroup.co.uk/forum/chat/flashchat.php

Finally good Luck.

Happyolddog.

 

If my advice helps please tip the scales, left.

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Thanks for the reply. I must admit I am finding some of the stuff a bit confusing but very helpful at the same time. I do not understand what Lloyds are saying though! I am claiming for 29/12/00 and 02/05/06 - should I have started in 2001? I just entered all the ones that were on the statements they sent me!

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Hi

This should help with when to send your Schedule to MCOL:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

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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  • 3 weeks later...

I have not posted each of my stages which would have been useful so here is my progress so far.

 

I worked out that I am claiming for £1,170.06 including interest. I no longer have the Lloyds TSB account - the charges happened when I was a student.

 

10th February 2007 - Wrote to Lloyds TSB asking last six years of charges

 

20th February 2007 - Replied enclosing printouts of statements

 

21st February 2007 - Sent initial request letter to repay charges

 

28th February 2007 - Lloyds TSB replied with standard letter which said no.

 

3rd March 2007 – Rewrote to Lloyds TSB using template to say I would take them to court to reclaim the charges

 

26th March 2007 – No reply from Lloyds TSB so used MCOL and template to file claim

 

31st March 2007 – Received acknowledgement from Northampton County Court giving until 14th April 2007 for Lloyds TSB to reply

 

10th April 2007 – Lloyds TSB acknowledged claim and wished to defend

 

17th April 2007 – Received notice of transfer of proceeding to MK court and the details of Lloyds TSB defence. They dispute it as I am claiming for more than six years. I did not realise as I just counted up the ones they sent me! It only equates to about £100 of the claim anyway!

 

28th April 2007 - Emailed MCOL to check if I had to send how I arrived at charges (my spreadsheet)

 

30th April 2007 – Sent copy of spreadsheet to MCOL

 

9th May 2007 – Received a notice of allocation to the small claims court track (hearing). It will be on 1st June 2007.

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I have sent the spreadsheet to MCOL as advised by them but had no acknowledgement yet - should I send the spreadsheet to Lloyds TSB solicitors now anyway as my court date is 1st June!? Is there anything else I might need to send? Any help much appreciated!

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You need to send what the notice of allocation has directed you to.

 

You need to produce a court bundle. Have a good read of this thread -

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi Jomish,

 

just read through your post with some interest as I am at a similar point with Lloyds/TSB. I received the exact same defence from SC & M it seems including the one stating I am claiming for more than the 6 years. Although my Particulars of Claim start outside the 6 year 'allowance' my first date claimed for on my spreadsheet is actually within the 6 years so I'm sticking with it.

 

My claim with MCOL started only 4 days after yours (30th March), the last notification I received was a Notice of Transfer of Proceedings dated the 30th April. I have sent a letter to SC & M offering to settle before it gets to Court, though I understand they will not reply it may look better for me IF this should go to Court. I have also sent a Draft Order For Questionnaire with the Draft Order For Directions attachment to both SC & M and LCC (Leeds County Court).

 

Hopefully I should be hearing something further soon enough, it seems maybe yours is nearly over with if you have a court date, so good luck

 

regards,

 

Tenmen108)

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10th May 2007 Sent bundle found on this website plus my charges printout to court and lloyds. I am sure Lloyds TSB will drag it out until the end. *Thanks for all the replies to my questions dealing with this difficult bank".

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Hi Tenmen10

 

Reassuring to see someone else going through the motions.

 

What kind of things did you write in your letter to Lloyds TSB solicitors? Not sure if I should do the same - sounds a good idea. Though if the recent reports on the website of having to go to court before the settlement happens then it may not work.

 

Jomish

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  • 3 weeks later...

16th May - Sent bundle on website (the zipped one) and witness statement to court and Lloyds TSB solicitors.

 

31st May - Not received any court bundle from Lloyds TSB so rang court who said that Lloyds TSB had agreed to settle today (case would have been tomorrow).

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31st May - Tried ringing SC&M but all lines are busy. Hopefully will receive letter tomorrow to confirm settlement, otherwise will double-check with court.

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1st June 2007 - Be careful of another Lloyds TSB trick. I called their solicitors today to confirm they had settled. The said they had sent a cheque on 29th May for a figure which looks like the amount without interest. My court hearing would have been today so I don't think I have much chance to dispute it! However I am happy with the amount as I was not sure I was going to get anything!

 

Letter did not mention any conditions other than the fact that the settlement was in no way admiting liability!

 

1st June 2007 - Banked cheque for £937.41!

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