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    • hi lolerz many thanks for your reply and help. My 2 months has passed i was waiting until the court proceedings started. As i went through this process not that long ago, i shall look back at my old thread for how to respond. Ill get the docs scanned soon thanks.    
    • Dave, You're probably thinking along the same lines as me. The NTK says "The reason for issuing the charge notice is: Parking longer than allowed" From memory, I think one of their stupid rules is that if 'Bucks is closed, you're not allowed to park at all.
    • jk2054 I don't think OP's father in law has died. He has dementia and has moved to a nursing home where he is still living. Because of his dementia he no longer has mental capacity to manage his own affairs so is unable to cancel the DD himself. Neither the OP nor anyone else has Power of Attorney so bank will not accept instructions from OP/OP's wife.  OP is applying to Court of Protection for Deputyship and would then be able to cancel DD but that process takes time. finaldj, just a thought, loss of mental capacity can vary from day to day, it isn't an all or nothing thing. Any chance that if you drafted a letter for your FiL instructing bank to cancel DD he would be able to sign it on one of days when he was lucid enough to understand what he was signing? Or cancel via online banking if you help him do it (if you know the passwords to get him into it)?
    • Yes, Nick is spot on. Also, can you remember if Starbucks was closed when you were there?  I ask as I'm trying to work out what MET reckon you did wrong.
    • Not sure about this, but as I understand it, when a court claim is issued, a validation check of some type is done on the defendat's address? If the address is outside jurisdiction, then a claim can't even be set up?
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hi

I am new to here but was considering claiming £800 in charges back from lloyds tsb. I have successfully recovered £230 back from nat west for my wife but she has only been with them for 2 years so we were not worried if we were kicked out from them. But i have been withe tsb for 28 years and have a lot of accounts with them as well as a mortgage and i was wondering if anyone could tell me of the consequences of making a claim and if they would not cooperate or bully me in any way has anybody had any experience of this.

Thanks

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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 Todge27

 

It would help to know if you have any accounts in arrears or if you are on any payment plans with them.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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no accounts in arrears but have overdrafts on 2 accounts

 

Well I have seen VERY few cases where Lloyds get nasty if your accounts are fine, even with overdrafts. Many people with overdrafts have claimed and not had them removed in the process. I can only remember a couple off the top of my head and that is in 8mths of following the Lloyds forum.

 

That said, you can't rule it out entirely but I would say it is very unlikely. They might ask you to pay back your overdraft on settlement, no-one really ever seems to mention that but it is not in the usual T&C's of settlement.

 

You have read the recent threads on the OFT Test Case though, haven't you, which will put a hold on any payouts until it is settled?

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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You have read the recent threads on the OFT Test Case though, haven't you, which will put a hold on any payouts until it is settled?

 

Not neccesarily - advice is to continue your claim as usual - I would get started as soon as you can - and whilst LTSB are very slow in actually settling anything they do not tend to react vengefully on accounts that are not in arrears

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