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Lloyds TSB - DILEMMA - SCOTLAND


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Guest lush2010

Hi all, could do with some of your more than helpful advice...

 

Basically claiming about 1.7K from Llyods(Not included interest over 6 years). Have reached the stage of final letter sent and was about to proceed with court action.

 

However, Llyods have sent me a letter dayed 9th May offering me £750.00 as their final response, this will be credited to my account within 10 working days. Also within the letter they enclosed a leaflet for Financial Ombusdman and advised that i could take the complaint further within six months of the date of the letter.

 

I am now living back in my hometown of Inverness, the account with Lloyds is held in Oxford where i lived for seven years. Now this is where the dilemma comes in...

 

I understand the Scottish Small Claims Court i.e £750.00 max claim etc!

 

Do i accept this offer or take the matter further? If so what route do i take and what would be my next action??? :-?

 

Any help or advice would be greatly received.....

 

Thanks in advance....

 

Kind Regards

 

lush2010

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Hi, im in same situation. with Lloyds tsb. i asked for 1.5k and they are putting £750 in my account even although i dont want to settle. I am not giving up and am looking into still taking them to the small claims court for the additional £750 (which is the small claims limit in scotland) I know you can make multiple claims so maybe thats the way forward for you. if i find out anything i'll let you know. nicola47

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Alot of courts now are not allowing multiple claims as they see this as abusing the system so I wouldn't advise doing this at all ..... you could use the FOS for a claim of £1700 as the maximum in Scotland is a summary cause which allows you to claim up to £1500 yourself, anything over this requires a solicitor raising an ordinary cause.... if I was you I would send them a letter accepting the £750 as part payment ( declining it means nothing to them they'll put it in your account anyway as they did with me ) and carry on pursuing the rest using FOS.... :D

 

The icing on the cake is that the bank gets charged a nice little £400 (or there abouts) for every complaint raised with the FOS

 

Good luck

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Guest lush2010

Cheers for your advice you 2...

 

Dilemma continues though...

 

Before i could even get a chance to respond to letter from Llyods, they have proceeded and credited my account with £750.00

 

Was going to take your advice ¨Jaybabes¨ and send letter saying that i accept this as part payment...Feeling slightly confused now as to which route to take? :confused:

 

Claiming 1.7K all in all not including interest...

 

Bank admitting to being in the wrong with letter dated 9th May 2007, stating that they will credit me £750.00, final response, final letter, no more words said etc...

 

I know that the Small Claims Court Scotland has a £750.00 limit, pretty much realise that Llyods are playing on this also, Scottish Law etc.....

 

Do i now take this matter further, FOS(Financial Ombusdman) etc, transfer money into new account and go for glory???

 

Any advice from anyone would be greatly received if antone on the same boat as me....

 

Thanks in advance again....

 

Kind regards

 

lush2010

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Slow down!

 

Write to them telling them that you are NOT prepared to accept this.

 

Then . . . . go and read the threads which the mods have posted about ... well, procedures, and go through them step by step so that you know what the advice is.

 

Make sure that LLOYDS know that you are NOT accepting this.

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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hI lush

 

I would write to lloyds and tell them that you are not accepting this final settlement. When they put this money into your account (which they will do) do not spend it. What I would then do is go to court for the remaining amount. You said that you claim was for £1,700, what I would do is raise a summary clause for the outstanding amount i.e. £950. plus interest, plus costs and go the court route.

 

Keep a copy of all your letters to lloyds and also inform the court what is happening with the claim. I personally think that lloyds have shot themselves in the foot here, because they have paid you £750. it leaves your balance under the £1,500 summary clause and leaves the way clear for you to do this.

 

This is only my opinion but I think I would do this

 

Eileen

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I would agree with eileen - they have unwittingly brought you back onto the far safer ground of summary cause. I would exploit this fact.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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