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    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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Akerman v Lloyds TSB **Full Settlement offered **


topgeeza
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which address of the bank do I put on when issuing a claim- branch add or head office?

 

thanks

 

Hi seankelly,

 

It's best for all if you post in your own thread.

 

closey is entirely correct, any registered address of Lloyds TSB Bank plc is OK. Just for interest, I sent ALL of my correspondence via the manager in my branch so he, as the person who knows most about my account history, could act as the hub or point of contact to take in all my correspondence with the Bank.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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  • 4 weeks later...
  • Replies 64
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A rather belated congratulations topgeeza :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 1 month later...

D.s. wilson hi be prepared to go all the way even to preparing for court .Sechiarris were abrupt,in some letters damn right frightening.Go all the way and you may get your money back before court i did on the 11th hour.

john r

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if you have a look in our threads..i.e me and molly's you'll see that they are being more than sadistic right now...wanting the month of Ocober to negotiate settlement but the courts telling me that the court date is likely to be late November and then even telling Molly that it's likely to be Jan 07.......what the hell are Lloyds playing at ?

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Lloyds are being rediculous at the minute, failing to meet DPA deadlines then defending actions to make them comply, even entering a counterclaim.

 

Ah well the court date is January 3rd so i wont hold my breath

 

 

J

You may think that but . . ......

____________________________________

Total repaid to date £1947.58

 

Lloyds Currrent a/c £745.27

Moneyclaim filed 17th June

Defence and AQ 25th July. Case struck out 11 Aug

reinstated and hearing 15th Jan 2007

 

Lloyds loan a/c D A request expired 19th June

Proceedings under S7 Data Protection Act issued 29th June defence and counterclaim 27 July

Hearing Jan 3 2007

Listed final hearing April 2007-

Judge declared an interest and disqualified himself

new date to be set

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Lloyds are rediculous but i think with me they "found"the missing letter and recieved the fax,found that if they went to court they,d have egg on their face and settled up at the very last minute 3.0pm day before court.....

 

I think Lloyds are the nastiess ones stick to your guns and timescales youl get satisfaction...

john r

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Lots of people have kelticmad - try looking in the Capital One forum :)

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!

 

Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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  • 4 months later...

Hi

I've never posted anything on this site before so here goes.

 

Had overdraft of £200, unfortunatley I was within £4 or so of going over, before m wage went in, the bank then recieved a DD which would have put me over the £200 limit.

 

Because there was insuficent funds available, (as they put it) they then charged me £36, which put me over the overdraft limit, because I was over the overdraft limit they made another charge.

 

To cut a very long story short the charges added up to over £100 for this, and up to dat they have continued to charge this account and to date the current charges stand at £604, needless to say this account has remained inactive and no money has been paid into it for over 2 years, I do get the odd letter but they are filed for future threatened court action which they don't seem too willing to carry out, I wonder why, ha !!!

 

Paul:eek:

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Hi

First time on here, had a £200 overdraft with TSB, got to within £4 or so of limit then DD went in so not enough in to cover, got charged £36 for"insuficent funds" then because I was over overdraft they then charged me again, the two totaling over £100.

 

To date the total charges they have applied amount to £603, needless to say the account is dead and unused.

 

They keep threatening me with court action and have done for nearly two years but nothing recieved as yet, I wonder why (snigger snigger).

 

 

Regards

 

Paul Stretch

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  • 2 weeks later...

Yes.Complete the claimonline.Lloyds will never appear at the Court.It happened to me.They make you work, complete all the forms, prepare the bundles and never show up.The judge will serve them on the spot.It took me ten minutes excatly.The judge seemed to be really pissed off with them for the waste of time.

good luck

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