Yippee..another victory!

[katei-woo]

Hi

 

Am writing on behalf of my parents, who have successfully made a claim nd won with A & L, and are now trying to do the same with Lloyds for £2500+

 

Wrote the standard 14 day letter back in March, received a reply, saying sorry we are not liable, but that if they wanted help to make a claim, then to contact the person the letter came from and they would help.

 

However, rather than choosing this option, she started to make her claim in the courts. This has taken a while, purely on the basis that the court have been short staffed and have been behind in processing claims.

 

We wrote to Lloyds solicitors whilst after they had filed their defence, and prior to us sending in our allocation questionnaire, stating that they would accept a settlement of £2450.00 in F&F. we heard nothing so rang the solicitors who said that they ahd so many charges ging through, that they could not deal with my mum at that time, but that "everyone is getting paid so not to worry".

 

They have now been given a court date of 5th july, and in light of the recent events surrounding a couple of the LLoyds claims, are extremely worried and concerned about the case.

 

if any one has any advice as to what i need to get reday for them to take into court, then i would welcome any offers of advice. In addiont, if anyone has any t & C's, they would also be greatly welcomed as we are now getting rather worried about the whole thing.

 

Thanks ever so much

 

Katie

[Guest ChloeJane]

Hi Katie,

 

Yes I can understand that some of the news of late can be unnerving with Lloyds and cases but it is important to remember several things -

 

1) That each county court in the UK is able to use its own judgement and has its own jurisdiction so what happens in one court for an outcome does not carry through to the rest.

 

2) Daily there are still hundreds of claims going through with wins!

 

3) The Banks to date have not actually defended a case and won, it is more those that are often not ready for the challenge or that are un prepared that sometimes get caught out....so to be prepared...

 

Bundles - are important as it is the information you will be relying on in court if it is asked of you, to back up your claim. Some great links are below.

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Hope this helps, any questions post back, but don't let other decisions concern you as untill there is a high court ruling on charges, your claim can still be made.

 

CJ

[katei-woo]

thanks for the advice, any idea how i go about getting some t & C's??????

[katei-woo]

Any further ideas as to how i can get a copy of T & C's for my parents impending court case on 5th July. Also do i need to show a copy of the T & C's from when they opened the account or from when they are making the claim??? The account was opened in the 70's sometime, and has been amended since, but unfortunately paperwork has been lost. please, please, please help!!!!

[katei-woo]

Thanks for all the help ive received on here. Afet receiving my money for HSBC 2 weeks ago, my folks ahve now recevied their payment for LLoyds.

 

We were all due in court this thursday (5th), but have recevied settlements. My folks are lucky enough to have received an extra £154 from Lloyds, on top of their claim and court costs making a grand total of £2700, so were more than happy.

 

its worth persevering, some claims take longer than others, but its worth it in the end!

 

Katie-woo

[frenchconnection]

well done!!

 

CONGRATULATIONS!! :)

[Curlyben]

Result !!!

[Bev77]

Well Done!

[BARTY]

Congratulations!! :D

Barty:)

[sasquash]

Well Done Katei! I've got a court date for 14th August. Will you please post a timeline of your parents claim for me please so that I can compare them with my claim please?!?!?!

 

Thanks x

[katei-woo]

Hi sasquash, i havent got all the details with me, so ill try my best off the top of my head.

 

Beginning of feb - initial letter sent

end feb - letter back from Lloyds saying thanks but no thanks and stating if we wanted help making a claim with FOS to get in touch

day after letter arrived, my mum tried ringing lloyds but all she ever got was mailbox full.

Beginning March- case filed with county court

april (sometime) request for judgement filed as not heard anything from Lloyds. defence was sent out about 2 days after this was filed, but still allowed with court.

end april - parents contacted SCM and Lloyds to try and reach an agreement. SCM said not to worry as cases were all being settled, lloyds was mailbox full (after about 5 of these calls my mum gave up!)

beginning may - letter to SCM to try and reach an agreement.

mid may - allocation questionnaire filed.

end may/beginning june - hearing date given

throughout june - various letters sent trying to reach an agreement, and asking for copies of t & c's as my folks didnt have theirs

court bundle sent to both SCM and Lloyds so that no dispute over whether they had received it. In there i included contents and appendices page, a timeframe of all communication, copy of all correspondence, schedule of charges, and copy of all statements then the info from the basic court bundle on this site detailing the common law cases and acts.

last week in june folks checked their bank account and there was an extra £2700 in there..in fact they actually over paid them as claim and costs was only £2619!, but whos counting, it pays for all the time on phonecalls, and excess postage!

Court hearing cancelled.

 

I had my own case with HSBC and that had been ongoing since january, and there were lots of times when i felt it really wasnt worth it, but they also settled last week in full covering my court costs too.

 

Stick with it, it'll be worht it in the end, though it does seem like a long road. Good luck.

Katie