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Think i've made a big mistake ** WON**


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Hi everyone

 

This is my first post so not sure if done it right. Its probably gone to the completely wrong place, then I will be really stuffed!

 

I have issued a claim with Lloyds TSB, they filed a defence and it has been transferred to my local court.

 

I have been told by my local court that I will not get an allocation questionnaire, I will recieve a date for a preliminary hearing. Has anyone else been told this.

 

I really need help here as I am getting really stressed out with Lloyds TSB.

 

Thank you in advance

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Hi

 

Don't panic. That's what they are hoping will happen and you will back out. Stand firm, take your time and try to prepare properly. We have a Prelim hearing in Cambridge on 30th July. Hopefully we will both receive a settlement before court.

 

Good Luck

 

Jay

 

:)

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Thanks for that would you let me know what kind of preparations i need to make.

 

Follow the link that Barty has supplied above - as a matter of interest what are the details of your claim? Amount etc.?

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Hi Sharon

 

Have you received a court date yet ?

 

Where will you be going to court ?

 

My date is for the 30th July but have not had any contact with Lloyds or SC&M yet. I haven't had a goodwill payment yet like many others have either. Have you ?

 

Good Luck

 

Jay.

 

:)

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No I have heard nothing from the courts (stoke-on-Trent) about a date for the prelim and not a peep from SC&M. No offer of goodwill payment either.

 

I am worried because my claim is over £5,000, the total amount is £5424.44 and I am hearing about these fastrack things which I really could do without, I would prefer small claims. Also I think i have made a big mistake because I naively started this ages ago and didnt realise that you cant claim the normal overdraft interest which I have tried to claim. I didnt claim the 8% interest though because I wasnt sure how to work it out (although i do now).

 

Do you think it might get struck out? I wish I knew then what I know now.

 

Any more developments with you?

 

good luck

 

Sharon

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I really need advice.

 

Started a claim a while ago against Lloyds. A friend gave me copies of the letters so I sent them all off. i am waiting for a date for a prelim hearing at the moment, but the problem is I have tried to claim charges that I now know after reading stories on this site) that I cant claim.

 

I put all charges, including the normal overdraft charges, I had an agreed overdraft and I have put all charges in the claim (ouch). I did not however claim for the 8% interest that I understand now that I could have claimed.

 

Any advice would be appreciated, dont know whether to just cancel this claim and start a new claim, but I will lose £250 court fees that I paid because my claim is over £5,000.

 

I really wish I had visited the CAG site months ago.

 

Help

 

Thanks

 

sharon

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From what I've read you can amend a claim, but it'll cost you £35.00.

SAR sent 07/03/07

Statements rec'd 14/04/07 (ish)

Prelim Sent 03/07/07

Prelim rejection rec'd 10/07/07

LBA sent 12/07/07

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I would advise producing a new accurate schedule of charges using the advanced spreadsheet, if the dirrerence is significant then you will want to send in an amendment costing £35, you can find it in the bank templates, im sure someone will link it up for you if need be.

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Thanks to you all

 

i will have a look at the schedule of charges and let you know how much.

 

i take it if its a considerable amount, then I would be best ammending my claim.

 

thanks again

 

Sharon

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What proportion of your claim is made up of O/D interest?

The interest that I have tried to claim is £342.94.

 

Would you suggest that I do an amendment? My total claim including costs is around £5,400.

 

Thanks

 

Sharon

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Hi

Have you had their defence yet? Was it mentioned on there?

If it was me I would not amend your claim, all Lloyds will do is knock off the o/d interest when they settle.

Good luck, keep us posted.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi there,

 

Can you please tell me what the procedure for filing for claims over £5,000?

Yeah, you just do the same as if it were under £5,000. i filed the claim online, then I think the judge decides whether it goes as small claims or fastrack.

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Would like to thank you all for your good advice.

 

I have opened the post this morning and I have an offer to settle from SC&M. Could not quite believe it is £200 more than I was claiming back. i just need to sign and send it back to accept it.

 

I was suprised because I have not even had a date from the courts for the prelim hearing yet.

 

However, I am trying not to get too excited until the funds are in my account.

 

Thanks again

 

Sharon:rolleyes:

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Just to let you know that I have had an offer for £200 more than I asked for. I was suprised because I havent had my date for the prelim yet.

 

Needless to say that I am going to accept the offer, will feel better though when the funds are in my account.

 

Have you heard anything from SC&M yet? If not I am sure you will soon

 

Good Luck

 

Sharon

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Hi

Have you had their defence yet? Was it mentioned on there?

If it was me I would not amend your claim, all Lloyds will do is knock off the o/d interest when they settle.

Good luck, keep us posted.

Barty:)

No they didnt mention it in their defence. It doesn't matternow though because just recieved an offer for £200 more than I asked for. I was shocked to recieve it as i thought they may offer the usual £750.

 

Cant wait to have the funds in my account (thats if they do not close it down) and put a post in the LLoyds TSB successes.

 

Thanks for all your help

 

Sharon

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Congratulations!!:D :D

 

There is a letter in the link below, rejecting the conditions if you need it:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/48032-jakena-barclays-4.html?highlight=acceptance#post718754

 

And a letter to send to the Court when you receive the money:

http://www.consumeractiongroup.co.uk/forum/show-post/post-487345.html

 

Did they pay the o/d interest as well?

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Yes, they have offered to pay everything. They are paying me £400 couty costs and i only paid £250, and also £66.35 interst which i did not even ask for.

 

I recieved two letters today, one saying that they are going to defend the claim and the second one was the offer to settle. I really do not understand them!!!

 

I will still not be completely satified until the money is in my account though. i dont know why but even though it is in black and white I still have my reservations about Lloyds TSB.

 

Since I started my claim I have been charged approx £300 on my account, so when I have got the money i dont know whether to start another claim to get that back. I dont want to be too greedy though!!

 

Thanks again for your help

 

Sharon

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