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    • retailer said they'd speak to dpd on Tuesday. I don't want to screw the retailer because they were doing me a favour by fixing it for free  I hope dpd will refund them so they don't lose out. Will keep you guys posted. 
    • Well, we live on the same road so it should be the same postcode. When I spoke to dpd and asked why were my neighbours' address not on the list and she said maybe they're not of the same postcode and I checked and they definitely were. Not to mention, delivery instructions are supposed to override actual customer's address which is why they asked for instructions I thought.
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    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
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Corporate V Lloyds TSB


Robmids
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Well done,

 

But you have not set a precedent - this happening the whole time.

 

If it were me I would draw out what they paid in lovely cash :) then they cannot touch it :)

  • Haha 1

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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Hi Peter.

When I say precedent, I meant just with my account - in otherwords, "lets not mess around with all the 14 days here, 14 days there, letters etc, just COUGH UP" LOL

and yes, the lolly is already in the parachute acc ;)

 

BTW, did u see the news this evening ? seems the OFT are going to do something after all - perhaps I was fortunate just in time !!

 

Have you read my other thread on how I got this far? - see below in similar threads.

 

Rob

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Rob - Hi,

 

You are VERY fortunate, YES I did see the news and I can tell you that you are one VERY lucky person. As I read it, all future claims will be on hold now and seeing just how fast things happen with courts & OFT [not] this 'may' take a very l-o-n-g time - years even!!.

 

My suspicion is that the law-is-the-law and the banks will loose in the end, but, I also suspect they will get a cap of £20 as per credit cards.

 

But on the plus side - the law is the law, and we have (well most) will have seen the arguments on CAG as to how this works.

 

I am very very worried now - nearly £20k at stake

 

 

CAShttp://www.consumeractiongroup.co.uk/forum/announcement.php?f=11&a=107

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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Hi Robmids

 

Congrats on your successful claim.

 

On the Company claim I fear you will have no success. The only one able to take action would be either the Official Receiver or a trustee appointed by the creditors. In any event, any monies reclaimable would belong to the Ltd Co and would go to the creditors, rather than you directly.

 

John

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Hi John.

 

I thought that might be the case, was worth an ask tho.

 

Meanwhile I WON! Corporate and Private against Lloyds. proves a point doesnt it. Will be interesting what comeos out of the courts with the OFT taking on the Banks - wonder if they want our help ?

 

LOL

Cheers

 

Gonna celebrate this weekend with some Bolly I think ;-)

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"Will be interesting what comeos out of the courts with the OFT taking on the Banks - wonder if they want our help ?"

 

Wouldn't surprise me if we found any offers of settlement drying up pending the outcome of the case?

 

John

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Hi All.

 

Not sure where my last thread went so have to open a new one.. If a moderator can glue this to my last thread that would be great.

 

Update:

After claiming on the Business account, via the court which struck out the claim then Lloyds paid out the full (inc Interest) amount !!!!!, 5 days lter I have received a letter from the branch Business Manager that they intnd to close the account. As it is within the overdraft limit and has been well managed for a while, there seems no responsible reason why this should be.

Can anyone offer me some advice this weekend as to what I should do on Monday ? I certainly don't have this sort of money lying around to settle the account.

 

Helpfull comments would be appreciated - ie; can they legally do this?

 

Regards

 

Rob

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icon4.gif Lloyds - success :-) Now they close the account :-(

Hi All.

 

Not sure where my last thread went so have to open a new one.. If a moderator can glue this to my last thread that would be great.

 

Update:

After claiming on the Business account, via the court which struck out the claim then Lloyds paid out the full (inc Interest) amount !!!!!, 5 days lter I have received a letter from the branch Business Manager that they intnd to close the account. As it is within the overdraft limit and has been well managed for a while, there seems no responsible reason why this should be.

Can anyone offer me some advice this weekend as to what I should do on Monday ? I certainly don't have this sort of money lying around to settle the account.

 

Helpfull comments would be appreciated - ie; can they legally do this?

 

Regards

 

Rob

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icon4.gif Lloyds - success :-) Now they close the account :-(

Hi All.

 

Not sure where my last thread went so have to open a new one.. If a moderator can glue this to my last thread that would be great.

 

Update:

After claiming on the Business account, via the court which struck out the claim then Lloyds paid out the full (inc Interest) amount !!!!!, 5 days lter I have received a letter from the branch Business Manager that they intnd to close the account. As it is within the overdraft limit and has been well managed for a while, there seems no responsible reason why this should be.

Can anyone offer me some advice this weekend as to what I should do on Monday ? I certainly don't have this sort of money lying around to settle the account.

 

Helpfull comments would be appreciated - ie; can they legally do this?

 

Regards

 

Rob

 

I've merged your threads :)

 

If you would like to find your thread in the future, click on your user name, then click 'find all threads started by' and it will come up :-)

 

Unfortunately yes they can call in the overdraft and close your account with out giving reason. Although this does seem to be pure retaliation if the account has been well managed. You can request that no action is taken against you as the debt is in dispute. Have a lok through the bank templates library. You can also make a complaint to FOS. The banks are fined £400 for any investigation and the FOS also has the power to award compensation.

 

Whilst there is a waiver of complaints with regard to bank charges this does not extend to closure of accounts.

 

All the best

 

Zoot:-)

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Hi Folks.

 

Well this case certainly has some twists to it - rather like a good Miss Marple LOL. I will condense how it all happened and end by giving you the latest.

1. The 3 letters went out with no reply.

2. Applied Online Court Service.

3. Lloyds filed a defence to the obvious and also stating my plea was incorrect as business was noty covered under consumer law.

4. Waited for advice from Court - was moved to Leicester. waited for a hearing date.

5. 19th July, get a letter from Lloys saying it would cost them too much in litigation so they were prepared to settle in full out of court. Please confirm

6. I confirm (happy me) on the 20th.

7. Get a letter on the 22nd saying that they agreed and will deposit the funds within 7 days

8. Funds arrive in account on the 24th.

(here's the funny bit)

9. 24th also, get a letter from the Court saying the case had been struck out as no case to prove.

10. 25th, I move funds to my parachute acc.

(now the not so funny bit)

11. 31st Lloyds declare 30 days notice on closing the account.

 

So you see, things don't allways turn out the way we expect.

 

Now, if anyone knows of a friendly bank who is willing to open an account for the business with a £3K o/d facility, can you get in touch?

 

I am going to appeal of course - the letter was very kurt and short with no explanation at all as to why. However, my para acc. is personal, not for business and as I am gonna be away from next week, I gotto run on this so any help would be gratefully appreciated.

 

Cheers for Now

 

Rob

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rob

 

Similar boat to you in that I opened a parachute private; but my main claim is on the business a/c - my thoughts are to change the name on the p/a to Mr & Mrs X T/A Your business name; not sure but would that not mean you could pay in chq's either in the business name & personal ??

 

Just a thought :)

If you think this post has been of help, please click on my SCALES on the left - thanks :-) :-x

 

Peter Anderson

Me Vs Morgan Stanley - WON £490

Me V's LTSB - Private & Bus Acc - £18.8k (since Oct1997)

inc: S.69 Interest (and growing daily) -;)

Please remember to DONATE when you have WON

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Hi Peter.

 

The diffrence for me is that we are a LTD so that is not an option. However, I faxed them yesterday and got a stay of execution for 30 days whilst I find a business bank that is prepared to do me a deal. I have also spoken to folk higher up the ladder who were dismayed about how we have been handled - I just hope its the local business manager for the chop as she is quite a Matron. Have approached All/Leic as have a healthy pvt acc there.

 

Any halp is always appreciated

 

Rob

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Alliance and Leicester Commercial Bank is excellent

I don't have an o/d

But there are no charges of any kind

KBO

If you can't fight, wear a big hat.

 

Halifax... 2 successful claims....£518

 

CitiCards..... judgement and cheque (26/7/07) .... won £900

 

RBS business..... .....stay lifted reissued N1..... won £2105

 

Midland1 business.1996/1997.. first letter (27/6/07)....£1470

 

First Direct...... first letter (30/6/07).... £839.... stayed

 

plus another 13 banks/business/cc's to come for £10,000 plus.

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