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i am just waiting to here it is nearly 6 weeks that i sent everything i got on e letter saying there looking into it and would be done in the time limit so just waiting to see if thay offer anything -------Terry

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Guest louis wu

Hello,

 

Its important to understand what it is you are about to do. You really need to have a good look here

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

and here

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

 

This process is not complicated, but it's easy to make mistakes, and not always so easy to correct them. By knowing what your doing, and why your doing it will make the whole thing easier and less stressful.

 

You will have questions along the way, and you will get help and support.

 

Take a couple of days/weeks to have a good read and a look around the site, and when your ready commence your claim.

 

Good luck

 

Louis

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Hi there all, was wondering if anyone could help, i've made a claim to my bank and have done everything that i had to do but no luck i went and issued a claim MCOL they served it the bank did not enter a defence, was told online i could enter a judgement by default this i did have now been told request for judgement was denied any help would be good.

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Guest louis wu

Have you asked on what grounds the judgement was denied? Tell us the reason and we may be able to help

 

Louis

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  • 4 weeks later...

Hi there sorry for not replying, been waiting for Lloyds defence, i now have it.

 

The case has been transferred to my local court and the judge in northampton has ruled that an allocation questionnaire be dispensed with in this case.Lloyds defence is 1.That when i opened the account i was made aware of the conditions and by using the account i agreed to it, 2. By keeping the account in credit or within agreed o/d limits i would not be charged, but if the bank has to make a payment from its own funds or has to return the payment then they will make a charge, 3. There is no breach of contract; the charge cannot therefore be a penalty, so they do not have to pay it back, 4. The customer is given advance warning of charges imposed, 5. The charges are fair and reasonable,6. The customer is notified of the charges and in plain intelligible language.

 

Any advice would be helpful.

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Hi, Wicksy37.

 

Sounds pretty standard response to me. Start your own thread in the Lloyds TSB Forum and ask questions in there, people dealing with them will know their standard tactics and will be able to help you. This Forum is for newcomers and you will get a lot more help if you start your own thread. Sorry you'll probably have guessed, I'm not too clued up on cases being transferred, or I would help you more.

 

Regards.

 

Scott.

 
 

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