Who's wrong - me or Lloyds?

[chloecharm]

I've started a claim for my business account.

 

I sent my first repayment request and thought I'd picked out the right template - didn't mention consumer regulations but did mention two cases: Dunlop Pneumatic v. New Garage and Murray v. Leisure Play.

 

I got my "sod off" reply this week and one paragraph goes...

 

"I've noticed that you've referred to the Unfair Contracts Terms Act 1977 and the Unfair Terms in Consumer Contracts Regulations but these don't apply to you as you're a business customer and these acts and regulations only apply to consumers."

 

Have they picked out the wrong template for their reply or have I messed up already?

 

Anyone help? :confused:

[Redfaze]

They are correct in that they don't apply to business customers but i think this is a common mistake so i wouldn't say you have messed up as such. I wouldn't be put off by this though, just carry on and in the LBA perhaps you could note that this was included by mistake. Its probably worth looking at some of the other business claims on the forums for information.

[davethorp]

There is a slightly different process for business accounts as they can't rely on consumer legislation.

 

There are however templates in the library and as you are at an early stage you should be fine to continue as you are and move to LBA.

 

Just make sure when filing the claim with the court that your particulars of claim use the business version rather than the personal banking version otherwise chances are [problem] will pick up on this and you'll have to apply to amend your claim

[chloecharm]

I've checked the template library again and I am positive that I've used the correct letter so I can only assume that in their haste (lol) to answer my letter they used the wrong reply.

 

So I'll carry on - maybe including a note to tell them of their error!!

[Michael Browne]

This may help;

Business Claim - FAQ's

Business Claims - basic guide

[Redfaze]

The UTCCR do not apply to business accounts so they are correct to state this. I certainly wouldn't compound the error by telling them they are wrong!

[Bookworm]

But they ARE wrong! Chloe clearly stated on her post that she DIDN'T refer to the UTCCR, so they obviously sent out the wrong response.

 

Keep up, people!

[Redfaze]

Apologies! Hadn't seen that, thank you bookworm! It's too early for me!

[chloecharm]

Redfaze, my original letter to them didn't mention the UTCCR - that's my point.

[chloecharm]

now its me thats getting behind!!

[Redfaze]

See, its too early for everyone!

[Bookworm]