lloydstsb credit card ppi

[ukaviator]

Looks like you have a claim there for the refund plus interest on the PPI payments. If you have'nt ticked the box, then no PPI can be taken.

 

Does it have all of the terms on the paperwork.?

[ukaviator]

Here you go, amend to suit.

 

 

 

CLAIM NUMBER: *******

In the XXXXXXX COUNTY COURT

 

Between:

 

[YOU]

Claimant

 

 

 

 

-And-

 

 

 

LlOYDSTSB

Defendant

 

 

_______________________

 

 

REQUESTFOR INFORMATION AND

 

 

CLARIFICATION UNDER CPR PART 18

_________________________ _____

 

DATE OF SERVICE: [date sent]

This request for information under CPR part 18 is served notwithstanding anticipated future track allocation. I believe that the court would consider this request as appropriate in the context of clarifying matters to which your Defence directly refers. In the event you ignore or do not comply fully with this request, a formal application may be submitted to the court for an order under part 18.

1. Please provide copies of the terms and conditions governing the account in question and which are referred to in your Defence. The terms and conditions required are those that formed the contract between the Claimant and Defendant covering the entire period from when contract was first entered into until the present day, including amendments or alterations where appropriate.

 

2. In relation to each and every breach by the Claimant which resulted in a charge being levied as confirmed by the Defendant in its Defence, please provide full details (with all relevant supporting documentation) of any letters, telephone calls, or incidents of manual intervention into the account in respect of each and every charge claimed by the Claimant in the Particulars of Claim.

 

3. If the Defendant employs or operates any system, either automated or manually operated or otherwise, which is used to assess, audit, track or refine the costs or "administrative expenses" of dealing with current accounts incidents - in particular any delinquency incidents, such as refusal or otherwise of direct debits, referral of cheques for any reason, refusing or permitting any formally agreed overdraft limit to be exceeded or any other delinquency event, such a systems existence is required to be confirmed and named and full details given.

 

4. The Defendant’s assessment of the cost to it of sending any letter making any telephone call or otherwise administering the account, with details of how the cost to the Defendant is calculated and what items of expense are included, or such other costs as are foreseeable in the context of contractual damages and the remoteness thereof and which can be specifically identified and defined and which can be reasonably attributed to each and every breach on the part of the Claimant.

 

5. The justifiably objective principles upon which all such costs are calculated and result in the specific level of each charge levied by the bank in respect of each of the breaches which resulted in the charges now claimed by the Claimant.

 

6. Please provide copies of all notes, memoranda, or other information retained by the defendant to demonstrate the provision of the alleged services to the claimant.

 

7. Please confirm whether charges are applied automatically.

 

A full response to each and every point of this request should be served within 14 days, by [date].

Please note that the response must be verified by a statement of truth.

 

[ukaviator]

Sorry Cougar, it is for bank charges.

 

You know they won't comply with that request, but worth a try.

 

Hello HHNF. . .

[ukaviator]

Pretty much all of it Cougar. They won't comply, sending in details of bonus payments of their sales staff is sensitive material.

 

I asked for training documents from Capital One a while back, to make sure their staff had adequate training in PPI etc, no a peep out of them.

 

They have since said that they will be sending a Barrister to my collegues hearing in October, to sort us out. . .

 

Should be fun. We will post everything up after the case has been heard, as they are monitoring everything here.