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Very strange development ***WON***


Cheryl Beal
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Clicking on internet banking yesterday I found £1,200 in my account

 

Today I recieve a witness statement from [problem] saying I have miscalculated and instead of what I claimed £3800 less £750 partial payment they "found there to be a total of £1777.00(exclusive of interest)in charges applied to the above account"

 

They then say that they make it

charges £1777.00

 

Interest £126.83

 

Total £190383

 

nothing adds up!! I'm due in court on Tuesday 12th june!!!....Help/advice please!!!

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I would give them a call Cheryl, tell them to sort it out or it's still on for Tuesday.

 

Uk

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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hi.

first thing check your charges again to make sure you are correct, if you are correct give [problem] a call on monday i know your probably getting stressed with the court date on tuesday but keep your cool you will be fine if it goes that far

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thanks ukaviator and nicolefrenzy. Yes I'm going to check my charges this afternoon when I get rid of this fuzzy head!!!

I think I may have put in some account charges by mistake as I calculated it before discovering this fantastic site!

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Yes, check your figures again.

 

You can't include monthly account service fees - or OD interest, unless that is you've worked out the part that was solely due to and levied on top of each charge.

 

Minus anything you shouldn't have claimed from the total, then if thats what they've paid you'll have to drop the claim - you've won!:D

 

If there is still some genuine charges, interest or fees which have not been paid you need to go to court to iron it out there. Take your figures in so you can show the judge precisely what you've been paid and what's still outstanding.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks Gary for your help.Yes I intend to go to court as ,even if they are correct, they have estimated £1,903.83 including interest but not court fees. They paid £1,200 into my account so I reckon they still owe me at least £823.83.

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:o Oh deary me SC&M were correct!!!! What do I do now? Write to them and claim the £823.83??

 

I'll need to inform the court,but they haven't settled in full.......

 

Otherwise YIPPEEEEEEE!!!!! I'VE WON!!!!!!!

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What do you mean?

 

Have they settled everything they should have in full, or not?

 

If so then yes, you need to inform the court and discontinue the claim.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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:shock: Oh deary me SC&M were correct!!!!

Sorry, I got the impression from that that you meant you'd realised what you were paid was the total amount of what your entitled to.

 

If you've taken off all the service fees and the OD interest, and any cash point fees and they are still short, then yes, go to court and show the judge what they haven't paid.

 

Don't be tempted to try to pursue the charges your not entitled to though, i.e select account service fees, etc - you won't get them.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Well I wen't to court yesterday and came to an agreement. Lloyds are settling in full!!!! Phew,thank goodness it's all over.......a little rest then on with the next LloydsTSB claim!!Thank you greatly for all your help,and hope everyone beats the buggers!!

 

By the way the judge said my "bungle" was very helpful......pat yourselves on the back CAG

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Well done:D

 

did you settle in the court or before you went in?

 

jansus

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Well done.

 

Did they turn up then?

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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jansus and Gary.......a represensitive solicitor from the area(not a Lloyds person) turned up "from Lloyds" and we came to an agreement before the hearing.So had to inform the judge who wrote out an agreement/statement that we signed

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Yes....the reason for the unanswered questions perhaps?........I calculated my charges wrongly.I included ordinary account charges. I also forgot about the £750 goodwill payment when calculating the difference!!......so yes nicsussex.....

 

But hey I've been muddled, and right on the verge. My life,like many of you,has been hell,so sorry for my thread

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No need to apologise for your thread - it is great to hear about another win against LTSB - but the details in your case (both the triumphs and mistakes) are what will help people the most - so please let us know as much detail as you can

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Great news Cheryl - it's a great feeling isn't it? I'm just reading up on Llyds claims - going to help my auntie get her charges back over £7k and £1,500 in stat int

Halifax 1

WON - £1,355.49 21/07/06

MINT

WON - £273.81 14/09/06

First Direct

WON - £913.50 01/09/06

Capital One

WON - £130.13 03/11/06

Halifax 2

WON - £188.03 01/12/06

 

Kensington Mortgages ERC

MCOL for £6,204.39 Discontinued

Halifax Mortgage Admin fee

WON - £10.00

Direct Line Mortgage Redemption Fee

WON - £99.00

Halifax 3

MCOL for £109.01 reg 07/03/07

 

http://petitions.pm.gov.uk/redemptionfees/

Please sign this petition x

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