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    • The important thing to know is that MET - although they will send you threat after threat about how they will divert a drone from Ukraine and make it fall on your home - hardly ever do court. Even in the very small number of cases where they send court papers, if the Cagger defends, they drop the matter before the hearing.  They have no real intention of putting their rubbish claim before a judge.  The aim is to find motorists who are terrified of the idea of going to court and who will give in when the court papers arrive. Thanks for doing the sticky and well done on finding F18's thread.  Do what they did.  On the first page - I think post 19 - there is the address of the CEO of BP.  Write to them, lay it on thick about being genuine customers in the various premises, mention the small kids, the very short stay time, attach any proof of purchase - and request that they get the invoice cancelled.
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    • I re-read the extract from your  solicitor's letter this morning and think I might understand what they have in mind. I believe (and it’s only a guess) their strategy is this: 1.    You will make your SD 2.    You will enter fresh pleas to the four charges (not guilty) but will offer to plead guilty to speeding on the understanding that the FtP charges are dropped. 3.    If this is accepted they will attempt to argue that the two offences were committed “on the same occasion” 4.    You will be sentenced for those two offences (the sentence depending on whether the “same occasion” argument succeeds). They also have a plan in the event that your offer at (2) is unsuccessful and you are convicted again of the 2xFtP charges (and so face disqualification under “totting up”): 5.    They will make an “exceptional hardship” argument to avoid a ban. 6.    If that is unsuccessful they have already lodged an appeal in the Crown Court against that decision. (This is the only “appeal” I can think of). 7.    They plan to ask the court to suspend your ban pending that appeal. If I’m correct, I’m surprised the Crown Court has agreed to accept a speculative appeal (against something that hasn’t happened). The solicitor says this is to lodge it within the normal timescales. But you will have 21 days from the date of your conviction (which will be next Wednesday) to lodge an appeal with the Crown Court, so there is no need for a speculative appeal. I have to say that an application to have your ban suspended pending an appeal is unlikely to succeed. The Magistrates Court is unlikely to agree to it for one very good reason: if they make such an order (suspending your ban until your appeal is heard), all you need to do is not to pursue the appeal and the Magistrates order suspending your ban will remain in place. Hey Presto! No ban and no need for you to trouble with an appeal. Perhaps he will ask for your ban to be suspended for (say) three months or until your appeal is heard (whichever occurs first). This potentially creates a problem because if your appeal is not heard in that time either your ban will kick in or you will have o go back to court to get the suspension extended. But the solicitor obviously knows more about these things than I do. I would want to be very clear about this solicitor’s fees and what he proposes to charge you for. As I said, there is absolutely no need to lodge an appeal with the Crown Court. That can be done if and when it becomes required. But I am still firmly of the opinion that it is overwhelmingly likely that you will not need to progress beyond point 2 above. Point 3 is optional and I don’t know whether he solicitor has made It clear to you that the only thing you will avoid in the event of success is three penalty points. You will still be fined for the second offence and your driving record will still be endorsed with the details, but no penalty points will be imposed. Do let us know how it goes.  
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Ready for the Next Battle!!!


pieterclassens
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Having already started my Battle 2006 against Natwest I am now drawing up my plan of action against Llloyds. I have already written to them about £140 they have charged and made a pre-emptive strike regarding £105 they are due to take from me in July.

 

Anyways good luck to all of you with your own endeavours!!!

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Well I have received the bog standard letter stating they are sorry for my displeasure with the service. They will be investigating my complaint and will reply within 2 weeks with a response.

 

I await their next response with anticipation! Hmmmm..... wonder which of their pre-printed letters they will send this time? Sorry but our charges are fair. IOW "Go and take a flying leap!"

 

We will see what happens, keep everyone posted and get ready to start printing out the Letter Before Action draft.

 

As always everybody good luck with your own endeavours!!!

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Right ..... I am seriously confused!!! Having received a letter from Birmingham saying please allow us 14 days to investigate and we will get back to you, I have received another letter.

 

This letter is from Brighton (their collections department apparently!?!) and they are instructing me to pay the amount I am overdrawn immediately (the amount in question is purely bank charges nothing else!!!).

 

What the ****? Does the right hand know what the left hand is doing?

 

Also they are instructing me that they are levying charges to my account for "handling my account". Initially £25 and then £17.50 to follow with more charges the longer I refuse to pay up!!!

 

Anyone else had the same response from Lloyds TSB and what did you do? Any of the mods care to offer some professional advice?

 

Thanks peeps. Appreciate it!!!

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There isn't a template letter for this. Just write informing them that the amount of overdraft is in dispute and that until matter is settled you will not be making any payments and you will claim any further charges they add. You could tell them to contact Birmingham if they want further confirmation

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OK so while thinking what I was going to write to Brighton, and waiting for the 14 days to elapse, I received another letter from Lloyds TSB Birmingham.

 

Basically the gist of the letter was .... "we dont agree with you" ..... "you are being charged for a service" .... yada yada yada ..... "we wont be refunding the charges" etc etc etc.

 

So what now? Should I still wait for the 14 days to pass or send the LBA letter now anyways?

 

Anyone have any ideas?

 

Not surprised but still angry.

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It is up to you. Some on this forum would say wait the 14 days, others would say Lloyds have refused, so go ahead. I personally didn't wait once they had made it clear they would not consider as that letter can be bought in front of a judge, so Lloyds couldn't say they weren't given reasonable time to consider.

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Some have used central office whilst others have used local branch. I don't think it matters too much, the result still seems to be the same (they acknowledge at the last minute, file a defence, you fill out allocation questionnaire, shortly afterwards they offer to settle with conditions, you accept the settlement but not conditions, they pay up!).

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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The address is:

 

Lloyds TSB, 125 Colmore Row, Birmingham B3 3SF.

 

Yep, Lloyds TSB are the defendant.

 

I personally used my local brnach address, but I really don't think it matters either way.

 

Good luck!

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I know I am being a pain in the ass!!! BUT .....

 

What did you put in the Particulars of Claim box? Theres not a lot of space!!!

 

Especially if I want to add the bit about reserving the right to interest etc etc

 

Your help is really appreciated!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

THANKS!!!!

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It's tricky as they don't give you much room, but here's what I put:

 

I have a contract with the defendant bank dated approx ****,and conducted on their standard t and c's.I claim return of money taken by the defendant in way of charges over last 6 years and interest they have levied on the charges. The banks charges are disproportionate penalty therefore unenforceable as they are contrary to common law. Further as a disproportionate penalty they are invalid under the Unfair (Contracts)Terms Act 1977 s.4 and under Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In event that charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have asked the bank to justify charges but they decline. Claim of £***. Claimant also claims interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from **/**/** to **/**/** of £***.**and interest at the same rate up to the date of judgment or earlier payment at daily rate of *.**.

 

Just fill in the blanks!

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No worries, you are more than welcome :)

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Damn, missed this one :p

 

So instead, I'll just post a "Good luck, and keep us informed! :D"

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Well as expected I have received a letter from Lloyds Customer Care Birmingham this morning saying basically "thanks for contacting us again but we have nothing to add. we outlined our view on the charges and this view stands!"

 

In other words "We aint giving your money back. Sod off!"

 

Well I guess its time for me to submit my claim through MoneyClaim. It's already online just need to log in and click submit.

 

I do have one question for the professionals or experienced amongst you. I have had a letter informing me of impending charges. Can I claim for charges not yet put on my account? Should I wait till after the charges are added and add them to my claim? Should I stick to the 14 days and make a claim and make another claim later (seems more hassle and expense). The date they are due to rob (I mean charge) me is 03 July.

 

Any thoughts anyone?

 

Thanks!!!!!!

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You can add any charges to your claim up to submitting it , not ones that have not already been taken .You can either wait and add them before submitting or start the process again.I personally would wait but it has to be your choice.

If you wait do not forget to alter your scedule of charges to include these new charges.

When you want to fool the world, tell the truth. :D

Advice & opinions of Janet-M are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any

doubts.

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Right I am ready and raring to go ..... I will be submitting my claim later today and post the details for all to see. And of course I will keep everyone up to date as the outcome.

 

By the way, I was reading an article on MSN Money this morning which made me chuckle!!!!

 

They were talking about claiming back penalty charges and how to do it etc etc ...

and in one sentence they suggested when you right your letters to the bank you add the following line ... "be advised you have been charged £35 administration costs for this letter" ..... HAHAHAHA whats good for the goose???

 

Cheeky!!!!!

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Good luck...not that you'll need it. I'll come back to your thread from time to time and see how you're getting on. :)

Lloyds TSB - £972

S.A.R, prelim and LBA sent

Claim acknowledged

Defence received

AQ 20/06/06

***FULL SETTLEMENT RECEIVED 20/07/06***

 

Woolwich - £2288

S.A.R, prelim and LBA sent.

Offered half

Moneyclaim filed online 02/08/06

Judgement filed online 23/08/06

WARRANT FILED ONLINE 30/08/06

MONEY RECEIVED BY BALIFF 04/10/06

***FULL SETTLEMENT RECEIVED 09/10/06***

 

Smile - £175

Pelim 23/06/06

***FULL SETTLEMENT RECEIVED 07/07/06***

 

My Ex vs Woolwich - £715

S.A.R sent 30/08/06

Pelim 06/10/06

LBA 20/10/06

 

Advice & opinions provided are personal, and not endorsed by CAG or BAG, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi Pieterclassens,

I had the same problem as you, LTSB informed me by statement that they would be taking £70 in charges 1/06 which was a few days before I could file moneyclaim. I waited so I could include it, but to my surprise it was never taken. Carry on regardless and good luck.

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Well, I got such a letter that they will take about £70 just before I filed in for money claim, what did I do?? I simply added all to my claim and filled it in. Lets see how my case goes on this. Maybe not that wise doing it that way but that is what I did. Afterall the banks have taken us all for a ride for all this years so a little premtive action against them will not break the BANK I guess.

 

Any input on this???

:o :o :lol: :D :D

 

 

 

 

More Power to the PEOPEL!! LONG LIVE the CAG!!!

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I wouldn't have, once you get an offer, you can mention that there are other charges that have been added and inorder to avoid future claims they should refund these as well, chances are they will.

 

but having said that by the time they acknowledge and submit their defence you would have received the extra charges, so hard for them to complain.

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