McIavelli V Lloyds TSB

[darling1]

They have plenty on us-:o -we could not open an umbrella account, or get a mortgage on the high street! So that is one way of telling..

Have you opened an umbrella account yet McIavelli?, its always a good idea. At the moment it seems that they are not insisting that you take your custom else where if you win, but if you continue to "misbehave" in your account they may ask you to bank elsewhere giving you notice..

BTW good luck and welcome.

Darling1:)

[darling1]

I had a claim well in excess of 5K and i had a payout the night before the case was due in court, the court case was to decide the allocation of the track ie. fast track or small claim...this is what Pens court hearing turned out to be... There is a smallish risk as to the costs should you loose, - if you look at my thread v LTSB you can look at the advice that GaryH gave me ref claims over 5k..........I followed it to the letter and won, so good luck.

I know what you mean as your claim is so near to the 5k - but does that include the interest at 8%? because if you havn't aded the 8% that willl push the total you are claiming well above the limit for small claims

 

Darling1

[darling1]

The thread that I refer to is - Darling 2 takes on the TSB **won** - that was me on behalf of the OH - everyone thinks that they are to be the one who will loose, its only natural, and even if you were in the small claim track you could still loose.

I was told by the LTSB barrister that turned up to our allocation hearing (after they had actually paid out!) that they are defendingall the contractual interest (CI) and the pre 6 yr claims, if you notice pen is claiming the CI -

The amount we were claiming amounted to about 11000 after all the interest and costs were added, this was not that long ago - so if I were claiming over 5K I would still go ahead in 1 lump - there is a strong argument for not chopping your claims down into smaller ones, I am no expert- so I will leave it for you to read up on GaryH's advice that is on my thread mentioned above.

Ultimately it is up to you to make your own informed opinion...Good Luck!

Darling1

( you can call me Darling - most do!)

[darling1]

Good luck McIAvelli, My Daughter had a case due in court last Sept, it was put on hold just a couple of days before it was due to be heard, she has been advised to do nothing (!) just wait for the outcome and be ready to carry on where she left off - she had put her bundle together already - but was quite upset that all the work she had done , not to mention the court fees seem to have been for nothing - if a judgement is made in favour of the customers, and if we dont have to go to court to recover anything due, will we get the money back for the court fees (that we wont need to attend)?