Received Lloyds Defence today!!!!

[lea2001gb]

Received the Lloyds defence today and I believe I didn't send the charges information so their defence is as follows: -

 

1. This defence is served without prejudice to the defendant's contention that the particulars of claim is insufficiently particularised and is embarrassing. The defendant reserves the right to plead further to the particulars of claim once they are sufficiently particularised.

2. The defendant will object that the particulars of claim in this action disclose no reasonable cuase of action against the defendant and makes no specific allegations again the defendant as to why the defendant should be liable to the claimant for the amount claimed.

3. The particulars of claim do not comply with rule 16.4 1a of the civil procedure rules as "amongst other things" they do not identify the account in question that appears to the subject matter of these proceedings or indeed show how the sum of £XXX is arrived at and the particulars of claim are too vague. The particulars of claims shows no reasonable grounds for bringing the claim.

4. The claimant should, therefore, be ordered to file and serve an amended claim to set out the full particulars of the bank account and the charges they are seeking to recover, identifying each charge, the date and amount of the charge and why the claimant in each case they allege it is a disproportionate pentaly and thus unlawful.

5. The defendant should then be given the opportunity to defend the proceedings further.

 

 

Can anyone translate this into english as I have been pretty good so far at figuring out what I need to do but this has completely stumped me now so I am at a loss.

[GuidoT]

Translated to, you should have sent your schedule, but not to worry nothing that cannot be sorted.

 

Have look here:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47344-claim-too-vague-defence.html

[lea2001gb]

Fantastic GuidoT much appreciated, I was panicking all day thinking I had completely screwed it up, I knew someone would have the answer.

 

Thanks

[nicsussex]

Seems you have also forgotten to include the account number in the claim

[lea2001gb]

Have checked the claim that I sent and the account number is also included also with the schedule that I sent - I have found my recorded delivery receipt so I was mistaken when I said I thought I hadn't sent the schedule. The court received it the following day and so did the solicitors. I even have the original on my computer.

 

Not quite sure what Lloyds are playing at! They decided to take another £30 charge from my sisters account on Friday, she phoned to get it back and was told flatly 'no'. And this was for going £2 overdrawn!!