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Urgent Help Needed Please!!!!


scoobydoo75
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:shock: Hi All,

I have just joined this forum and would be really gratefull if anyone can give me some advice. Like most out there im claiming back my bank charges. Now I have done all the letters and got no hop from Lloyds, so Im taking them to court. They have entered a defence so court date is set for end of August. However in saying that I have not been alocated a questionaire to fill in. And second problem I have no idea what to put together as a stronghold for my own case. All these websites out there tell you what to do but as soon as you get to court none tell you what to gather as your defence.

I have managed to get a copy of "The Unfair Terms in Consumer Contracts Regulations 1999", but i have spent ages trying to find "Unfair Contract Terms Act 1997" and something got to do with Common Law. The other one I cant find is "S.15 of the Supply of Goods and Services Act 1982". I have red on a website that these show different info relating to bank charges. I was going to go through them and highlight the areas applicable. Is this the correct thing to do?????. I have also heard an interview with a senior and highly respected member of the banking industry and was going to send a recording of this to the court., but this is from 2004????? (Ironically he worked for Lloyds)

I wont be attending court myself but I do need to put in a strong case, but I have never done this before and dont have a clue where to start. I do no that some cases have been thrown out of cout for not having the correct paperwork. Its taken nearly 3 months to get this far and the last thing I need is to balls it up because of paperwork. All i need is a list of what I need to compile for the court proceedings.

 

Sorry about the big boaring write up its just I really am stuck in a corner.

 

Can Any one help please???

 

Regards,

Scoobydoo75

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Have a look at this for what is required for court:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html

 

Don't worry about the AQ, mant courts have dispensed with these.

Don't panic; any questions post here.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Also, can you post the requested details of your court date here please -

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/103945-lloyds-court-dates.html

 

Thanks

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi Me Again,

I had a lloydstsb credit card about 3 years ago. A few months ago I noticed that there were 2 payments on the same day to the card both over £3000 from my account. Does anyone no how lomg they have to investigate it? They did contact me about a month ago to tell me they hadent forgot and were still looking into it. I find it wierd that it takes them so lomg to look into it and just wondered if there is any legal law on the length of time they can keep me hanging before I get an answer????

 

Once Again Kindest Regards,

scoobydoo75

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It will only let you download 1 item every 5 minutes. You can download as many as you like, all for free, its just you've got to leave 5 minutes in between.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Hi All,

Just setting up my folder for court and am a little stuck. This is gona sound really thick on my behalf but could someone please tell me what do I put in the correspondence part of the court bundle and where do I send the copy for lloyds to??? (Is it the same address as I asked for my statements???) And also I put a thread in the other day about my old credit card just asking if anyone knows weather banks have a time limit when looking in mistakes in payments? Would really appreciate any words of wisdom...

 

Kindest Regards,

Scoobydoo75

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Hi

You need to send it to the Solicitor dealing with your claim, probably SC&M, if it is their address is:

Sechiari, Clark & Mitchell

Department SO

PO Box 499

Lower Ground Floor

1-5 Queens Road Quadrant

Brighton

East Sussex

BN1 3XJ

 

You need to put in any letters that you have sent to Lloyds and any letters that you have received from them.

 

It does seem a bit of a long time to investigate, keep badgering them about it.

 

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 Scoobydoo

 

I am just posting around a few Lloyds claimants who have court dates coming up quite soon.

 

In light of the recent OFT proceedings against many of the major banks I was concerned that my hearing may be put on hold (my date is the 16th)...

 

So I decided to call up Lloyds litigation SC&M to discuss my claim.

 

It might be worth tou giving SC&M a call too... I just called them (about 10 mins ago) and said that I wanted to discuss my claim in light of the recent OFT proceedings as I have a hearing date on the 16th of August. They settled in full over the phone!! full charges, plus 8% plus court costs, plus a bit extra which I assume is for more recent charges.

 

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/51041-hard-slog-lloyds-tsb-3.html

 

SC&M said I should get something in the post over the next day or two...

 

So if I were you I'd call them... it's worth a go and might save you having to printing out the court bundles.

 

Here's the number: 01273 205381, have your claim number handy.

 

:-)

Moodle

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Hi Maxine989,

Many thanks for that. I will give them a call. Just curious please and if you dont mind, what exactly did you say to them. Its just my luck lately is not the best and knowing me they will probs slam the phone down, If it personal and you dont want to say Ill understand...

 

Kindest Regards,

Scoobydoo75

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Hi There,

Just rang SC&M with regards to my claim and further info weather court date would be put on hold (but really hopeing they would settle) FAT CHANCE OF THAT!!!!! They told me if its in the pipeline for court just continue on!!! Ah well Ill motor on and with a bit of luck Ill win. Ill keep ye informed...

 

Regards,

Scoobydoo75

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