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    • It seems to me that you could probably apply for judgement on 30 October. However it's a good idea to keep on checking regularly to see if it is permitted before then. As soon as it allows you, do it.
    • Deemed service on a company is two days after issue. Deemed service on a litigant in person is five days after issue – unless something has changed. I've already said that proposing to send further particulars is generally speaking unnecessary and only complicates matters as you are finding out. However as you have indicated that you are sending further particulars, send them further particulars and simply state in the body of the particulars that you have nothing to add to the particulars of claim contained in the original claim form at this moment. Send that straightaway so that when you apply for judgement you can click the box and say that yes you have done that. It might not have been fatal not to have informed them that it was a laptop – but it is better that you did and the important thing is that they had been told of the item and of the value at the time that you entered into the delivery contract. I think that you will find that laptops are one of their prohibited items – along with almost everything else in the world
    • *Update* turns out Capquest bought the debt from Phoenix Recoveries. We now have a reference number for our solicitor to use. 
    • Ah I thought you meant in the actual MCOL claim, in the ebay listing yes, in the PackLink compensation claim yes as well, in the MCOL claim I made no mention aside from the value of the item.   and just an update:   I am able to request a judgement from the two separately.   The claim was issued on the 13th, plus 5 days and another 14 days = 1st Nov my guess (not accounting for business days)   This was also added:    
    • Okay, so what you have to do is you have to take the money you paid to the garage which I understand is £2000. You've gotta consider that the value of the labour they put in was completely wasted because you had to have the turbo taken out and then refitted – is this correct? However, the turbo itself was useful to you and so you should be required to pay for the cost of the turbo. If this is correct and you have independent evidence that the turbo had been incorrectly fitted then you should sue them for the balance. This means that you have to find out the cost of a turbo – was it an original or was it a pattern part? Anyway, you have to find out the cost of the turbo and deduct that from the £2000 and that should be the value of your claim unless you can tell us of any other losses which you have reasonably incurred as a result of their poor workmanship. Let us know
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Is this LloydsTSB way of skirting the unfair bank charges?

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Just read the new terms and conditions for unplanned overdrafts from LloydsTSB instead of the maximum of £90 a month the charge can be as high as £200 for going £100+ plus a £15 there and then when you go over your limit which of course will tip you even further over your limit

so even though they are stating they have reduced their unplanned overdraft fees they have in fact more than doubled them


Monthly fee £15 You will pay this fee if you have an Unplanned Overdraft

at any time during your monthly billing period (even if

your next monthly billing period is only a few days away).

We will charge you a maximum of one monthly fee

in a monthly billing period.

Daily fee Unplanned Overdraft balance is:

less than £25 £6 a day

£25 to £100 £15 a day

more than £100 £20 a day

Please note, an Unplanned Overdraft continues until it is repaid. So, at the start of any monthly

billing period, if you still have an Unplanned Overdraft from the previous monthly billing period,

you will incur a further monthly fee and up to another 10 daily fees (depending on when you pay

it back).


hope that makes sense

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They are clearly trying to play one game on overdraft 'fees' and another on returned item charges.


If they return an item, they will charge you £20 per item, upto a maximum of £60 per day. So if you have 10 items returned on one day (because they haven't cleared, say, a salary cheque) you will pay £60 and if they return just 3 the next day you will also pay £60. They could return 21 items in one day and charge £60 or 21 items over 7 days and charge £420. It is pretty laughable from the point of view of reflecting the bank's actual charges. Either it costs £420 to return 21 items or it doesn't.


This is just finger in the air stuff and they are flailing about madly to attempt to sound reasonable.


The really serious amounts of money we all know is not around overdraft fees (the media just don't get this, do they?) it is aroung returned item fees. They still skirt round the issue of whether the fees they are charging are fair and representative of the actual costs incurred in each individual charge item.


The media have presented this as Lloyds TSB slashes charges. We know it's nothing of the kind. We could all apply the new rules to how our charges arose in the past and we will see we would be paying similar overall penalties, if not more.


They seem to be actually setting up 'things to do' when an account might go overdrawn or over a limit to create the impression that it is not automated. They may even have delberately employed more actual people to pretend to be 'doing something' whenever any individual customer/victim presents a Direct Debit or Cheque which would take them overdrawn/over a limit. This is the real game. Is it automated or not?


They may have started deliberately to stop automating it because they know they can still make a good margin on it when it's not. They already factored in they can't win the argument at all when it's actually automated and they could end up with zilch. At least the new way makes them make a bit of dosh. Look out for attempts to present the process as un-automated. De-automated, more like.


There is no change here from the basics - are the charges fair, do they represent the real loss to the bank? £20 a day, £420 a week?


I would love to do a job which earns me £420 per week for dealing with three events each day.


As a comprehensive school teacher, I'm afraid my job's a bit more complicated than that! Pays about the same!

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