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it will only be deemed fair and reasonable, by the court, if dealt with in this manner.

 

Muggins73 I disagree because from date of service the courts give the defendents 14 days to acknowledge the claim, not 14 working days!!! :p

Come on the mighty reds!!!!!!

 

Lloyds TSB - Success - 14/7/07

Lloyds TSB - Pending -

Halifax - Pending -

 

 

Tip my scales if I have been of assistance :D

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Yes, that is once you actually commence court proceedings.

However, rosey-789 has only just begun on her journey, and I'm looking at the whole picture, that is if it ever did get to court.

The 14 days at this stage is all about being fair and reasonable, you do not have to send the LBA dead on the 15th day, it is your claim, your timescale and you chose to proceed however you wish, as long it is not dictated to by the banks!!!!!

This is my opinion and mine alone. I am on my third court claim, following two successful wins, with another against Lloyds pending funding, and my 'fair and reasonable' approach has done me no harm.

Shall we simply agree to disagree?

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Thank you muggins . i know i sound a right nuisance lol but to be honest, i'm absolutely cacking myself but with the help from all you lovely people i'm certainly going all the way with it.

 

Should i still give the 14 days as i sent my first letter on the 2 aug by signed for recorded and have checked online each day but it's still not showing up whether it were delivered or not.

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Hi

Give them 14 days from when they would have received the letter, don't take any notice of the Royal Mail online thing, Lloyds are having so much mail delivered they can't possibly sign for every letter. I'm with RR on this one (sorry Muggins:) ) I would give them 14 calender days.

 

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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Lloyds TSB have recently announced on their website that they are suspending dealing with or resolving claims for unauthorised overdraft charges whilst the test case is going on. They also say that they will contact customers as soon as possible once a decision has been reached on the test case and tell them how they will resolve the complaint, that they will apply the decision in court to all complaints they recieve.

 

Take a look at their website Rosey for full announcement. Go ahead with your claim. Good Luck.

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Hi everyone.

 

Well i've received my first reply today from Lloyds and now don't know if i have to wait until the test case is sorted as they say they are asking the courts to suspend all cases until then. please advice on what i should do next please.

 

Here is a copy of letter i received. hope its ok for me to post it here .

 

http://img.photobucket.com/albums/v645/roseyred/scan0003.jpg

http://img.photobucket.com/albums/v645/roseyred/scan0004.jpg

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Hi Rosey-789,

 

I haven't looked at letter but guess it's pretty standard. The advice on site is to carry on with your court claim, as then you will be in the queue already when it comes to the OFT case being sorted. So if you haven't already, you need to send them the letter before action, and if you have done that, then start proceedings.

 

Still right in this aren't I? (anyone out there)

 

Fzrkitten.

Fzrkitten

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I'm rather worried now as i received a phone call from Lloyds asking me if i could take some time with them to answer some questions on regarding bank charge claims.

 

I told them i'd rather not do so , i'm now worried i've done the wrong thing.

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hiyah rosey

 

Red - if you have a default notice issue as well - which has been caused by the charges. Otherwise to not include this part.

 

Blue - only include this if you intend to do it. Don't make empty threats

also dont forget to add in the list of yr charges!!

good luck we will get there and get our money back!!

louise x

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  • 4 weeks later...
Hi.

 

I sent my 2nd letter by recorded delivery which they received and signed on the 22nd august

 

I'm sure the 14 days were up on the 5th September but i still having received a letter back from Lloyds TSB.

 

I'm stuck as to what i do now

 

Hi rosey,

 

stop panicing lovey, it just aint worth it you'll get nothing but wrinkles!!!!!

 

The 14 days are given as a guide, and is meerly as a goodwill jesture on your part so that the judge can see you are being fair and reasonable. It is your timescale after all, one that you can choose to stick to regimentally or not. There is nothing wrong in being a few days out and will not affect the outcome in the slightest.

 

You can chose to wait for Lloyds response, which given the way things are progressing with court claims these days will be when hell freezes over, or you can start court proceedigns as barty has so kindly advised you. It is entirely up to you.

 

Good luck.:)

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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Hi thanks barty/muggins :)

 

I've been to Newcastle Law Courts to see if i was entitled to legal aid and they said yes so gave me the forms to carry on my case against LloydsTSB .

 

May i add they were really helpful with me and told me not to worry :) (i'm very much a worrier lol)

 

They also told me that my case won't be heard until next October , they are finishing the ones they have now, so a bit disappointed with the wait but never mind.

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Well done you.

 

You do mean October 2007 and not October 2008 dont ya?

:DSUCCESSESS:D

NATWEST01&02 won over 4k

See how

http://www.consumeractiongroup.co.uk/forum/natwest-successes/31683-muggins73-natwest.html

 

:)CURRENT CLAIMS:)

HALIFAX03

19-SEPT-07 APPLICATION TO HAVE STAY LIFTED

02-OCT-07 APPLICATION REFUSED

LLOYDS TSB04

10-MAY-07 LBA

 

ABBEY05

19-SEPT-07 LBA

 

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