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Advice needed on court action please


Toomanykids
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Hi,

 

this is my first post and I would appreciate some assistance with my battle with Lloyds.

 

Some history first - I requested details of the last 6 years charges in February, I followed the path thereafrer sending all of the letters, inbetween, receiving acknowledgements, etc.

 

Anyway, the point came to start court proceedings some weeks ago and I had not received an offer or refusal. I didn't have the £120 to start the claim so I haven't started it yet.

 

On Friday I received a letter offering £750 in full settlement and any pending charged waived.

 

My full claim is for £1,719 and my husband thinks I should continue to pursue the rest of the money.

 

Now my reservations are these and I hope you can advise me:

 

1 - If it does get to court and I need to defend myself, will I need to get copies of my actual statements? All Lloyds sent me is a print out of all charges, interest, DDrejections, etc - Is this sufficient for court?

 

2 - Again if it goes to court, do I need to turn up in person with the 'court bundle'?

 

3 - On the MCOL which Lloyds address do I use, my branch or a central office? If so, which one?

 

4 - Again on the MCOL site, there is a free text box which asks for particulars of the claim. What on earth do I put in here, or can I cut and paste all the details from my letter to Lloyds about the charges being unlawful, etc? How much detail to I need to give?

 

This is as far as I have got on the MCOL site, before I got scared and am having second thoughts.

 

Any advice, suggestions or anything will be gratefully received and apologies for making it long!

 

Many thanks

Toomanykids

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The £750 offer is perfectly standard have a look here

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Point 1 - Do you have internet banking - you can get everything from there back to 2004

 

Point 2 - It is highly unlikely to get to court as long as you prepare properly

 

Point 3 have alook here

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/236-lloyds-tsb-contact-details.html

 

Point 4 have a look here

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

Good luck with your claim - keep us posted

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Well done you 2! I was trying to be clever and quote the questions with replies to each point - couldn't get it to work!

Toomany - you have already got some great support here and you've only just started.

Go get 'em. We at CAG are right behind you.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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