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    • Before you start this claim you need to have a lot more confidence in what you're doing which means that you need to understand the way forward in the principles involved more thoroughly. We will help you and you will probably get your money back but this is a self empowerment forum and so you have to do your bit as well. Please will you spend at least the next couple of days reading through the stories on this sub- forum. Try to understand them thoroughly. We have lots of stories very similar to yours but even those which are not similar, have principles in them which apply. In particular you need to read and understand the information in the pinned topics at the top of the sub- forum. I know that you have been reading around here for the past couple of hours but it needs a lot more. You aren't in a huge hurry. Wait a few days before sending a letter of claim and also that needs some amendment as well. Come back here when you've done your reading and then we will have a look at your letter of claim and help you to refine it Also, please tell us the value of the laptop. Was it properly declared as a laptop – and was the value properly declared
    • Unsure what would be classed as appeal I first contacted the applicant then IAS. I am not aware I could appeal again as Bank state I was informed that is news to me. I would have to look through the paper work, I apologise I forget so much due to my caring duties wish I had quality time to get so much done. Will try and look tomorrow, appreciate everyone's time and input.
    • Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.View the full article
    • Hi, I've been reading the invaluable advice on this forum and reading about the problems with Evri and lost delivery of items.  From what I gather the initial steps after having exhausted every's own lost item claim process is to draft a Letter of Claim, I think it is called and to register with the government Money Claims.  I have got a login for Money Claims and have made an initial stab at the letter but I'm not certain I have got it right. Am I right to assume that having exhausted Evri customer service's claims process and having received the denial of any compensation because the laptop I was sending is on the non-compensatory list that my next step would be to send the Letter of Claim to them? Let me provide some basic details which I hopefully have addressed in the letter. I purchased a laptop through Amazon.co.uk which a business in Belfast sold refurbished laptops through.  They had a 30 day money back guarantee for a full refund if you have any issues with the laptop.  I have the invoice from Amazon showing the purchase.  On 27 April, 2024 before the end of the 30 day period I used their ParcelShop (inside a Tesco) to send the laptop back and have the tracking reference mentioned in the letter.  As mentioned in the letter there was they advised they could not give me or sell me any insurance because laptops are on the non-compensatory list so I just paid the normal delivery cost.  It was scanned as leaving the ParcelShop on 29 April and the tracking has been like that ever since.  After a 28 working day Evri claim process they gave the expected response that they could not provide any compensation and simply could not proceed with my claim. I was hoping to get some advice on whether I go ahead now and email this to Customer Services straightaway and should I send a hard-copy to the Evri address as well?  Or are there any steps I have missed out on first?  I believe 14 days is the reasonable period of time for them to respond so if I were to send it tomorrow, for example 12 June then I should expect a reply by 26 June, is that correct and fair?  And assuming they don't reply with a full refund then I would then go down the government Money Claims site to proceed with that? Sorry for all the questions, I want to make sure I go about it properly.  I'll continue to read through other cases on here so I can get an even better handle on the process. I attached a LOC, happy for any edits or updates that will make it even better. Thanks so much for anyone's help! Regards, Matt Evri letter of claim.docx
    • The date was 3 June. Get on MCOL now. The legal principle is that, even if you defence is late, if the other party hasn't requested judgement, then your defence takes priority and is accepted. You might be in time. When I say now I mean now.  Recently we had someone who was nine days' late and this was pointed out to them at 5:30pm.  They faffed around till 11pm.  When they went on MCOl they saw that judgement had been entered at 7pm. Every minute is vital. File the below standard defence if you still can - 1.  The Defendant is the recorded keeper of [motor vehicle]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6.  The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
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Marnie257 v Lloyds TSB


Marnie257
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Hi all. I am at the stage now where despite threatening court action, LloydsTSB have ignored my letters. I sent the original letter on 26 March, which I received the standard letter stating that their charges were right. I sent another on 11 April repeating my request for reimbursment of £5.037. I gave them 14 days to reply. Heard nothing. I sent my final letter on 30 April giving them 7 further days to respond or I would take them to court. Still nothing. Where do I go from here. I have been following the daily mails advice but find it a bit complicated on the going to court part. It states that I should add 8% interest plus costs. How do I work that out. Also if I claim just my £5000 back I can go to the small claims court but if I'm claiming interest on top of that does it mean I have to go to the next court. Many thanks Marnie

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Guest louis wu

Marnie, you need to have a good look at these

 

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

 

it will differ from the daily mail, and if you are going to use CAG , its essential you know the processes and thinking behind it.

 

Also if I claim just my £5000 back I can go to the small claims court but if I'm claiming interest on top of that does it mean I have to go to the next court.

 

Not necessarily. The judge has the discretion to hear a claim of over £5000 in the small claims track. But the banks will not want to attend no matter what track it's allocated to.

 

It states that I should add 8% interest plus costs. How do I work that out.

 

There is a spreadsheet that works it out for you

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

 

Having given you the info, I cannot stress enough how important it is not to rush into the next stage. Please take a couple of weeks to look at this site, and the info it has. If you rush in now, you could make a big mistake which could be costly in both time and money, and will require a lot of help to sor out. If you have used MSE

 

Good luck

 

louis

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Hi Louis

 

Many thanks for that. Have thought long and hard before even getting this far and am dreading the next step which I why I started the thread. I will look at all the information you have given me. It is much appreciated Marnie

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Louis is RIGHT, do your homework, take your time, be organised, plan carefully. I'm up to Court date with Lloyds TSB, but I started with getting my bank statements, LBA letters, Court Form, Allocation Questionnaire etc - All with the help & support on this site!!!

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Hi,

 

Can I suggest that you also look at this site. MoneySavingExpert.com.

 

I have just issued a summons to reclaim charges from LLoyds, who's whole defense tactic is based on prevarication! I have been advised by a solicitor that one can claim up to £25k via the small claims system. It is all straight forward an can be done on-line ( Small Claims - HMCS Money Claim Online) Even if a defense is filed, which knowing the way Lloyds act, is likely, it is UNLIKELY that LLoyds will actually appear in court. Remember LLoyds cannot recover their costs in a small claims court.

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Guest louis wu

andy, there are many things in which CAG and MSE are different. I think it would be unwise for a claimant to use both sites for advice/help during a claim.

 

The points you raised have long been discussed here, and strategies advised.

 

Remember LLoyds cannot recover their costs in a small claims court.

 

Please be careful when you give legal advise. Costs can be awarded in a county court, if the case is heard in either multi or fast tracks. Its only a small claims track that costs cannot be awarded. If you claimed £25000 in multi track, and lost, the costs against you could be considerable.

 

Louis

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Hi Louis,

 

Surely the more information peeps have in their fight to recover unfair charges, the better? Moneysavingexpert.com has template letters for all occasions, which I found extremely useful.

 

Point taken I should have made it clear that I was talking about the small claims and not fast or multi track, in relation to costs!

 

Andy

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Guest louis wu

andy,

 

dont get me wrong, I'm not saying its CAG or nothing.

 

But, there have been lots of examples where the two methods have proved incompatible. I also believe that this site has all the info required for a succesful claim. I am sure MSE members have the same opinion, but by your own admission in a previous post, you used to use MSE,

 

Thanks for the reply. I have been using the moneysavingexpert.com web site (until now!)

 

but now you use this one. Do you believe that MSE is better, if so, why join CAG?

 

There is a place for all methods, and any that gets a full refund is as good as another, but you must concede that there are differences, and its these differences that could cause confusion.

 

Louis

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Louis,

 

I don't believe one site is necessarily better than another. One takes the information proffered and determines one's own view. I will continue to use both sites, which are different, in that MSE merely provides advice from a single source, while CAG provides discussion forums and statistics. Both of which are helpful.

 

The process of reclaiming is now well documented and not at all confusing. However, I agree that getting a refund for outrageous over charging by the banks is the primary objective. Wish me luck with Lloyds!

 

Andy

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  • 4 weeks later...

I have had advice from a solicitor that the max claim for small claims is £25k. This is correct in that, in another context I issued a claim for £20k, which was eventually settled without going to court.

 

My personal view is that you will get nothing from Lloyds TSB unless you do issue a claim.

 

I have already done so, via https://www.moneyclaim.gov.uk/csmco2/index.jsp.

 

Lloyds have stated they will file a defence but have 28 days to do so. I await the result.

 

As someone has suggested there is a spreadsheet on this site to calculate the interest but basically it is calculated by multiply the claim by 8% (for the year) and then dividing by 365 (days) to get the daily rate of interest. Multiply the daily amount of interest by the number of days the claim has been outstanding.

 

Please contact me if you require any further info. Good luck.

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I have had advice from a solicitor that the max claim for small claims is £25k. This is correct in that, in another context I issued a claim for £20k, which was eventually settled without going to court.

 

My personal view is that you will get nothing from Lloyds TSB unless you do issue a claim.

 

I have already done so, via https://www.moneyclaim.gov.uk/csmco2/index.jsp.

 

Lloyds have stated they will file a defence but have 28 days to do so. I await the result.

 

As someone has suggested there is a spreadsheet on this site to calculate the interest but basically it is calculated by multiply the claim by 8% (for the year) and then dividing by 365 (days) to get the daily rate of interest. Multiply the daily amount of interest by the number of days the claim has been outstanding.

 

Please contact me if you require any further info. Good luck.

 

 

Where did you get told that 25K is ok in small claims ?

I am a little concerned at the suggestions.

Especially being as this is the welcome forums.

For clarification the ceiling for small claims in England is 5K

In exeptional cirumstances a County Court Judge has discretion to allow more but certainly would not allow 25K !

 

Now moved to Lloyds

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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