Bank Charges ***WON***

[GuidoT]

Have a read here:

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html?highlight=dispensed+AQ

[GuidoT]

Is it the same as this defence?

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47207-guido-t-lloyds-tsb.html#post466483

 

Probably will be the same, nothing to be concerned about. Nothing to be concerned about.

 

I presume you filed on line, therefore send 2 copies of your schedule of charges, clearly marked with your claim no. and a brief covering letter asking for them to be filed as below:

 

The Court Manager,

Money Claim On Line

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours faithfully

 

Wait until you receive the Notice of Acknowledgement (not the Notice of Issue) from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

Your faithfully

 

Dear Sir

 

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

 

Please find enclosed a copy of my schedule of charges relating to the above claim.

Yours faithfully

[GuidoT]

Do not worry, they started adding in that paragraph as standard shortly after the date of my defence.

 

Send schedule to the court the claim has been transferred to. It is not too late.

 

You are not allowed to give up.

 

It is sad, but it is all about intimidation with the banks, read some threads from here and you will feel more positive:

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/

 

We will help you, I repeat giving up is not an option.

[GuidoT]

Send the schedule to where it has been transferred to, if you have sent to Northampton then send again.

 

For next stage read here:

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html

There is a good prospect of being successful.

[GuidoT]

You can add all charges right up to the date of filing at court even if not included in your prelim or LBA. Once filed becomes more difficult.

[GuidoT]

Nothing can be won or lost at an allocation hearing, see here further details:

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

 

Do not be too concerned, unlikely Lloyds will appear.

[GuidoT]

Usually a maximum of 2, allocation or prelim hearing are the same, usually only have one other hearing, i.e. the main one.

 

It is not essential to attend the prelim or the main providing you inform the courts in writing in advance first (the order / directions will tell you specifically somewhere about this). I would recommend that you do attend the main hearing though.

[GuidoT]

Regarding post 49, you do not need to prepare these documents until such time as the judge orders this, if indeed he / she does. I do not see from your thread that this has been ordered.

 

Any for c) and d) see the link in post 47 and below:

c) A statement of evidence

d) Cases and statutes, as found in the Basic Court Bundle

[GuidoT]

Sorry if this has already been addressed but I just wanna make sure it's relevant to mine....we have had a letter asking us to send to the court and barclays a)schedule setting out each harge, b)copies of any statements, c) statement of evidence, d), copies of all decided and other legal materials to be relied upon.

 

what i'm confused about is.....is this the "court bundle"??? and if it isn't what is it and what IS a court bundle??? this seems enough stuff that they've requsted so what more would they want after this????? Also, what is a "Draft Order of Directions "???? as i keep seeing this phrase 2!!!

 

Hope someone can help me, i'm all confused!!!

 

You say a letter, is it an order? Can you please post it up in full (verbatim) please.

 

This is the draft order for directions:

http://www.consumeractiongroup.co.uk/forum/general/53570-new-strategy-allocation-questionnaires.html#post482191

 

Essentially the documents that constitute the draft order become the bundle.

 

I think your judge has ordered the draft order which is good news and will lead to a quicker settlement and should obviate the need for a court appearance, see my thread as to how matters should now develop and the steps you should follow (subject to your confirmation that the draft order has indeed been ordered):

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/47207-guido-t-lloyds-tsb.html

[GuidoT]

MG1984 does not have her own thread otherwise I would have responded there.

 

If she (I presume a lady but not a monkey) is reading this then read here and start your own thread and post up the order I refer to in post 58 on that thread:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts-please.html

I know it is confusing, that is why there is a no hijack rule (that I am guilty of breaking now).

[GuidoT]

MG - The link in post 60 tells you how to start your own thread.

[GuidoT]

Nice work, there is a letter in the link below to inform the Court of settlement:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-487345.html

I will get your thread title changed.

Please donate to this site.

[GuidoT]

Pen - Last 2 weeks or so there has been a bumper number of payouts, yours included - the most I have ever seen. Who knows what is going on internally at Lloyds TSB.