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Mrs Bwdski v Lloyds TSB


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bwdski, its a standard letter in response to any letter you send, they haven't got time to answer them individually, so one letter covers all possibilities. ok

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Hi

Sorry I couldn't get the letter up, must be my old computer:confused:

Barty:)

 

Hi Barty,

 

Posted the pages on photobucket

 

Page 1

http://i146.photobucket.com/albums/r241/bwdski/Lloyds-B1_38_Page_1.jpg

 

Page 2

http://i146.photobucket.com/albums/r241/bwdski/Lloyds-B1_38_Page_2.jpg

 

is that any help to you?

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bwdski, its a standard letter in response to any letter you send, they haven't got time to answer them individually, so one letter covers all possibilities. ok

 

I'm confused?

So are we to send the "Letter Before Action" now? Do we wait until their 14 days are up?

 

What about the letter I sent taking them up on their offer of supplying the actual statements to us?

 

They sent us a schedule of charges... as per the template letter on this site... but I've also read that you need the statements for your court bundle?

 

They were saying that they were allowed 40 days....

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carry on with the claim :)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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opps we are crossing over, yep lba, I believe someone said the list of charges was OK. Go get internet banking:)

maybe some one will send the statements anyway, but you have to give them time.

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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So the letter is in response to the "request for repayment" letter we sent and not the letter we sent on the 21st taking up their offer of supplying us with statements in which I also aske for the T&C's for 2001

Yep:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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and yes you wait the full 14 days,(you must be seen by the judge to be following the timescales), then send your lba.:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Received a letter again today, in reply to my request for them to send me the actual statements...

 

it reads:

 

Dear Mrs BWDSKi,

 

Your Account: XXXXXX XXXXXXXX BWDSKi Mrs

 

Here is your copy statements to complete your order, with our compliments.

 

Please be sure to get in touch if there's anything else we can do for you.

 

Yours sincerely

 

 

 

 

 

Manager

 

Enclosed: copy statements to complete your order

 

I thought.. "Great, no hassle in getting them..."

 

How wrong I was...

 

With the letter, there are 9 pages!

For 6 years worth of banking, there are 8 sheets of statements.

 

I will of course, be writing ANOTHER letter to LTSB requesting the COMPLETE statments.

 

Should I include this in my LBA, or send it as a seperate issue?

And, is there a template for it?

 

Thanks guys

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Hold on there chuck!

 

I received all of my statements in separate envelopes. I think there were about 30 individual envelopes with just several pages per envelope. I am sure they did this deliberately and I reckon the postie wasn't too impressed either! They said something about "due to limitations of their postal services" or summat?

 

Anyway, you will probably get the remainder in a few days i.e. after the weekend maybe? Best of luck to you in you claim.

Lloyds: Started

SAR Sent & Received

Preliminary Sent

Stayed- Awaiting further developments with new test cases!

Mint C/Card: Started

SAR Sent & Received

Preliminary Sent

Stayed - Awaiting further developments with new test cases!

ENDEAVOUR PPI: Started

SAR Sent & Received

Gone pear shaped! See HERE

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Hold on there chuck!

 

I received all of my statements in separate envelopes. I think there were about 30 individual envelopes with just several pages per envelope. I am sure they did this deliberately and I reckon the postie wasn't too impressed either! They said something about "due to limitations of their postal services" or summat?

 

Anyway, you will probably get the remainder in a few days i.e. after the weekend maybe? Best of luck to you in you claim.

 

Thanks techtalkonline.

 

I'll hold on for a couple of days

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bwdski, you have a list of your charges, you know what you are claiming, I know you have been reading round, so you know it can take months, (or weeks). Your best bet is to get internet banking on the MRS account, that will give you the statements, and so put your mind at rest.

Carry on with your LBA, and get the ball rolling, (it may not even get to the point of you needing your statements for court).

Chill, I'm sure you can do for the MRS what you did for yourself, you wont let her down:) .

I have had no mail for 4 days, (hope to get some good news tomorrow):)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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bwdski, you have a list of your charges, you know what you are claiming, I know you have been reading round, so you know it can take months, (or weeks). Your best bet is to get internet banking on the MRS account, that will give you the statements, and so put your mind at rest.

Carry on with your LBA, and get the ball rolling, (it may not even get to the point of you needing your statements for court).

Chill, I'm sure you can do for the MRS what you did for yourself, you wont let her down:) .

I have had no mail for 4 days, (hope to get some good news tomorrow):)

 

cheers remus. just trying to cover all bases

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LBA was sent on the 6th, with the "complaint to OFT" paragraph at the end.

Can somone give more details about this?

From what I've read on here, and my limited understanding, if they don't comply with the LBA and offer me a full settlement, then I complain to the OFT... is that correct?

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  • 3 weeks later...

LBA was sent on the 6th of July and Received on the 8th....

Their 14 days was up on Monday (23rd)....

 

What happens now?

We put on the bottom of the LBA the paragraph about making a complaint to the OFT.

 

We are going the Ombudsman route with this one.

 

Look forward to your replies guys

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bwdski, have found this OFT test case: What this means for you, might help you.

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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