Won against Lloyds-Excellent news! Full Payment

[Amy1471]

Hiya Everyone,

 

Im in the process of claming £4000 from Lloyds, and iv got a feeling this is going to be a real stuggle as they seem to be on of the banks that fight all the way!

 

Iv sent my first letter and got a reply yesterday stating that they were investigating the matter which could take between 4 - 8 weeks. Their obviously trying to fob me and off and hope i get sick so stuff that for a laugh. Im going to send of my 2nd letter (LBA) unless any of uz advise me to wait???

 

Also, iv heard a few claims that they have been putting £750 in to people's banks without them agreeing to this and stating that this is their final offer! I would not be best pleased with this and wouldnt want this to happen.

 

Do you think i should add on to my LBA that i do not wish this to happen because i will not except this offer??? Anyone got any advise if this has happend to them??

 

Thanks alot everyone!!

 

Amy

[Amy1471]

Hiya,

 

Me again, also can some advise me the LBA when i send this letter do i send a second summary which adds up all the interest? I have this spreadsheet to calculate this just dont know whether it is now i send it?

 

Thanks again everyone!!!

[BARTY]

Hi Amy

Give them the 2 weeks from your Prelim letter then send your LBA.

If they did offer you the £750, all you would do is send one of the rejection letters then carry on with your claim, it causes no problems at all with your claim.

Good luck, let us know how you get on.

Barty:)

[bennyowen]

Amy1471

 

Keep to your timetable and press on.

 

Good luck

[BARTY]

Hi

You should send a copy of your schedule of charges.

Barty:)

[Amy1471]

Hiya Barty,

 

Thanks for getting back to me. I didnt add any interest on when i did my first summary. Do i need to ass interest onto the total when i send this off or is this all done when you file the claim?

 

Thanks again

 

Amy

[BARTY]

Hi

If you are meaning the 8% statutory interest, you don't add this on until you file your court claim.

Barty:)

[Amy1471]

Hi Barty,

 

Thanks for all this. Ok the 8% interest i dont add on until i have to file a claim. Do i have to add on any other interest when doing my summary of charges? I didnt when i sent the first letter? Will this matter, have i totally messed this up. The way i thought of it was i requested the money and then when i had to file for the coursts blah blah i had to add the interest 8%! Is this correct?

 

Thanks

[Amy1471]

Hello again everyone!

 

Im going to send off my LBA, and im thinking about setting up another bank account incase they cancel my acount or something. Should i change my bank details with work so from now on my pay goes in my new account? This would mean that i am leaving my account with no money in meaning that i would be constantly over drawn. Is this the way i should do this, or should i just keep the spare acount there until i can clear my ovedraft with the money i shall hopefully claim?

 

Thanks

 

Amy

[BARTY]

Hi

It's up to you, you should open another account just in case they decide to close your Lloyds one.

You also should stick to one thread with your questions, that way it makes it easier to help you out:)

 

Barty:)

 

 

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

If I have helped, please click my scales.

[BARTY]

Hi

You have done it right, no interest until you file the Court claim.

Barty:)

 

 

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

If I have helped, please click my scales.

[Amy1471]

Hiya everyone,

 

I have just received a letter for Lloyds after sending my letter before action claiming their apologies, and how they are open about there charges and i could contact them if i was having problems etc, and the following passage - ''The office of fair tradings has publisjed new guidelines on credit card default charges. We're stil talking it through with them, but the inportant point is that the guidlines are about default charges that people pay when they break an agreement with us. This desnt apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you havent broken your agreement. They are our prices for the service we provide in these situation''

 

This cant be right, they must be trying to fob be off. Im getting these charges for exceeding my overdraft limit which they should never have let me do in the first place etc, which is what this is all about.

 

So iv got to start my court claim and im really scared and unsure about what to do with all this. Can someone help and give me some advice of what i had to do first, and back me up with the fact that they are fobbing me off?

 

Thanks again everyone!!

 

Amy:wink:

[nikkido]

Im sure someone will be along later to advise you more, but the letter you received is the standard response. I got the exact same letter before I sent my LBA.

[stevokenevo]

Hi Amy, you have received a standard fob off letter. Don't be put off.

If that was in response to your LBA as you say, then it is now time to file at court ;-)

[GuidoT]

Nothing to be scared of, we will look after you here.

 

This link details the next stage:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

How much is your claim for and how much interest, are you claiming contractual interest or charges pre 6 years?

[Amy1471]

Hiya,

 

Ok iv got to take court action now. So what is the first thing i do. Do i just need to fill on the N1 form and send that off and wait for a reply etc?

 

Please help!!

 

Amy x

[minx_xxx]

Hiya,

 

Ok iv got to take court action now. So what is the first thing i do. Do i just need to fill on the N1 form and send that off and wait for a reply etc?

 

Please help!!

 

Amy x

 

Hey Amy,

 

I take it you've sent your prelim and your LBA already and either had no response or some silly standard letter.

If this is the case you need to proceed with court action either by filling in an N1 or a MCOL, which ever you are more comfortable with.

Then just more waiting i'm afraid LOL its a game of patience but it pays off in the end

 

Jen

xxx

[Amy1471]

Hiya,

 

Thanks for that. Just wanted to be a 100% thats what i did next. Will they inform what i have to do next once they have received my claim etc?

 

Thanks again

x

[minx_xxx]

Yeah you'll get a letter from the court that you file with, telling you the date that the papers were deemed served, and then lloyds will have 14 days to acknowledge and a further 14 days to file a defence.

They were pretty quick in my case :)but be prepared to wait the full 28 days if not more as others have

 

Once lloyds have filed defence you will get AQ to fill in, then more waiting.

 

Jen

xxx

[Amy1471]

Hiya,Im really stuck filling in this N1 form. At the top in a box it has IN THE and then it goes on to the claimant bit etc, what do i put on the IN THE bit? Also if i dont have to pay due my partner getting family alowance etc, do i need to write that somewhere or will the court pick up on that since i wont be sending a payment??/Thanks everyone, your all so useful!!Amy

[nicsussex]

You put the name of the court that you are filing at - you will have to complete some forms to be exempt from the fee these are available from the court when you take in the N1

[Amy1471]

Hiya,

 

Im in the middle of filling in my N1 form to send off. Now im down to the part where it asks for the value. Really confused!!!

 

Charges (im going to put what my charges have amounted to)

Overdraft interest (is this the interest that they have taken off me which they are allowed to or something else? Help)

Interest under S.69 Country Courts Act 1984 (what is this and how do i do it)

Court Fee (ok with this)

Total (ok with this)

 

Then it says...

 

Plus interest pursuant to S.39 Country courts act 1984 from date of issue to date of judgement/settlement at £xx.xx per day (enter daily rate here - (charges + OD interest)x0.00022 = pence per day) or at sich rate and for such periods as the court deems just.

 

Havent got a clue what to do there.

 

Please please help, im so confused by all this!!

 

Thanks everyone

[nikkido]

Hi

 

Someone will advise you better than I can but basically:

 

Charges - Your charges debited by bank

 

Overdraft Interest - I'm personally not claiming this so can't advise

Interest under S.69 Country Courts Act 1984 - Your standard 8% interest, spreadsheet in templates libraray to calculate it for you.

 

 

 

Plus interest pursuant to S.39 Country courts act 1984 from date of issue to date of judgement/settlement at £xx.xx per day (enter daily rate here - (charges + OD interest)x0.00022 = pence per day) or at sich rate and for such periods as the court deems just. - Your daily rate of interest, worked out by calculating your total charges by 0.00022 eg, If your total bank charges were £2369 you would multiply this by 0.00022 giving a daily interest rate of £0.52 (52p) a day.

[skbuncks]

Hi Amy

 

Hi

 

Someone will advise you better than I can but basically:

 

Charges - Your charges debited by bank. Ditto

 

Overdraft Interest - I'm personally not claiming this so can't advise. This is the interest that the bank charged you and can be quite complicated to work out since you can only claim back that portion of the interest that relates to the charge. It quite often doenst amount to much so lots of people dont/didnt bother with it. If you havent included it in any of your previous letters to Lloyds then you shouldnt really claim it now without first sending an amended LBA to lloyds. Can i ask how much is your claim for?as this will help in determining whether it is worth the bother in going after this type of interest

 

 

Interest under S.69 Country Courts Act 1984 - Your standard 8% interest, spreadsheet in templates libraray to calculate it for you. spreadsheets here Spreadsheets

 

Plus interest pursuant to S.39 Country courts act 1984 from date of issue to date of judgement/settlement at £xx.xx per day (enter daily rate here - (charges + OD interest)x0.00022 = pence per day) or at sich rate and for such periods as the court deems just. - Your daily rate of interest, worked out by calculating your total charges by 0.00022 eg, If your total bank charges were £2369 you would multiply this by 0.00022 giving a daily interest rate of £0.52 (52p) a day.

 

 

skb

[Amy1471]

Hiya Everyone! Hope your all doing well with your claims.

 

I filed my N1 form on the 20th April, and i havent heard anything back about whats happening yet? What do i do next? Im so confused, do i leave it til 14 working days and then send a letter to the court, if so saying what, or is this normal?

 

Please help!! Thanks All!!!

 

x