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  • Our picks

Thunderpuss2K vs Lloyds TSB - **WON**


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just got off the blower to the moneyclaim bods (busy? 9 mins in the queue!).

 

once defence is filed the date of the claim reverts back to the original date of first submissal, in this case when i filed and paid on the 22nd of june.

 

the case has been moved to pontypridd county court (just up the road from me), and the AQ was sent for my attention this morning.

 

for your case, how long did it take between submitting the AQ and the offer letter? did you get as far as a getting court date? or was settlement offered soon after you furnished their request for obvious information?

 

lloyds have also taken another 30 quid from my account for charges in june, guess i'll have to lump that one on as well!

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for your case, how long did it take between submitting the AQ and the offer letter? did you get as far as a getting court date? or was settlement offered soon after you furnished their request for obvious information?

 

Not got that far on mine. Acknowledged on Friday, letter from solicitors on Tuesday, response sent and they got it on Wednesday.

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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Why do they drag these thing out ,it only costs them more in the end

I dont surpose the solicitors mind they still get paid,but this a a blatant misuse of the court system,I filed mind via the local court using the pdf N1 form in the libary.you can put so much more info on there and include your spreadsheet:)

so there will be no silly questions for me then:D

Lloyds TSB - N1 claim issued 18/07/06 - £3440 Offered unconditional settlement 23/08/06

Vodafone-Information Commisioner assessment -default removal -25/07/06

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  • 3 weeks later...

Well still nothing from Lloyds solicitors. What started as a simple request for £140 to be refunded is currently sitting at £180.99 (with court fees, interest to date of claim and daily interest since).

 

They've got a week left til they have to file a defence, otherwise I can get judgement in default.. tick tick tick

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  • 2 weeks later...

Guess what? They had until the end of today to file a defence. And they just have, according to Moneyclaim.

 

Got to wait for it to materialise now, along with confirmation of the transfer from Northampton to my local Court.

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Might do that. I agree to settle for the whole amount. How does that sound? :)

 

To be honest, never had so much trouble over such a small amount. Looks like they're just dragging it on as long as possible in the hope I'm going to go away..

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Defence and AQ arrived this morning, along with notice of transfer to my local court. Won't bore you with the details to the defence, it looks like the usual standard one.

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As there's no charge for filing the AQ I just filed it. Shocking efficiency really.

 

On the AQ I've asked for the Judge to order Standard Disclosure, at his or her discretion. That should put the wind up SCM.

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Why do they drag it out like this?

 

Is their anyone that has got this far and then backed down, i can't beleive having done all the hard work people would walk away at this stage.

 

If anything Lloyds actions just make you even more determined to get your cash.

 

Just a waiting game now, interesting to see if they offer the full amount first time or mess about trying to get you to settle for less.

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Because they can. Oh, and also because SCM (who are acting for Lloyds in my case) are a tinpot operation with one solicitor and a bunch of teaboys. Hence they have to make sure things take as long as possible otherwise they couldn't deal with it in time.

 

It's £140 - ffs it's cost them more than that in legal bills so far..

 

I just despair. However I'm in no rush.. got plenty of other refund claims to keep me busy!

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  • 2 weeks later...

OK, that's it. It's war now.

 

Letter from my Business Manager at LTSB arrived this morning, they've decided to pull my overdraft and charge 29.85% interest on the balance.

 

Strange thing is.. the letter is dated 22/8. I checked internet banking and the limit is still there this morning. Phoned up my Business Manager, who although she signed it has no clue about the letter. Sent her off to investigate.

 

Now, two ironic things:

 

1. I was £45 over my agreed overdraft limit. If LTSB hadn't have taken those charges I'd never be over my limit.

 

2. I put in a cheque from HSBC for nearly £1k (won bank charges, whoop!) into my account on Tuesday. That's now theoretically disappeared into a black hole.

 

BTW this is with no warning. The review date for my overdraft limit was about a year and a half ago. Not a peek from them until now.

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  • 2 weeks later...

My updates to the overdraft problem is on another thread, needless to say they still haven't phoned me to discuss it - despite numerous promises of 'we'll phone you tomorrow'. Overdraft facility is still there though.

 

Anyway.. letter from SCM the other day, with a copy of their Allocation Questionnaire. They're asking for a month stay to attempt to settle out of court, and if that doesn't work they've put that (conveniently) they're all busy in September, so couldn't make a trial during that date.

 

Also, they haven't signed their AQ properly - my understanding is that a person has to sign it, you can't just put the name of the firm of solicitors in biro. Will check with the Court on Monday about that.

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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  • 2 weeks later...

Spoke to the court today, apparently it was ordered that the case be listed for trial and I should receive the paperwork in the next few days.

 

Still nothing from SCM, even though they wanted a month to 'negotiate a settlement'. Funny way of doing it..

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  • 1 month later...

Letter from SCM this morning, they've settled the claim in full including interest, court costs, and apparently most of the daily interest too.

 

What nice people. Saves me having to go to court in December.

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DISCLAIMER: My opinions are strictly personal, and should not be taken as a substitute for individual professional legal advice on your own particular situation.

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