LloydsTSB (merged)

Lara

Has anyone got/been to this stage? I am just wondering how long it takes before a Court date is issued. Watching Corrie last night in the Court House gave me the shivers! lol

karjam

karjam wrote: »

Amount Claimed: £3120.09 (inc of interest & court costs)

5 Dec 2006 - requested list of all charges
10 Jan 2007 - received list of charges
18 Jan 2007 - sent first letter requesting charges back
25 Jan 2007 - received standard letter from lloyds saying I'm sorry you are unhappy ... blah blah
1 Feb 2007 - sent 'letter before action'
No reply received from Lloyds by 15 Feb so started court claim (couldn't file via MCOL as they don't accept Visa Electron) - Cost £120 - went to local court to file it
22 Feb 2007 - received letter from court saying Lloyds had acknowledged and planned to defend - they now have 28 days to put in a defence

It's really annoying that Lloyds are putting people through this 'defence' stage as from what I've read on here it looks like they have no intention of actually going to court - unless we're going to be the first!!!!

I'll keep you posted!

Update
6 March 2007 - Lloyds filed their defence and court sent me AQ
8 March 2007 - Filled in and sent AQ - Last date for filing with court 23.03.07
27 March 2007 - Nothing heard back yet!

______________________________________________________________

Barclaycard (Me) - 12 March 2007 1st letter sent - paid £304 on 20 March 2007
Barclaycard (Hubby) - 12 March 2007 1st letter sent - paid £192 on 20 March 2007
Capitalone Visa (Me) - 12 March 2007 1st letter sent - no reply yet
Capitalone Visa (Hubby) - 12 March 2007 1st letter sent - paid £56 on 27 March 2007
Lloyds TSB Visa (Hubby) - 12 March 2007 1st letter sent - no reply yet

Thanks very very much Martin:T :j

chrisb73

Sent letter to Lloyds in Novemeber, after taking weeks got the generic fobbing off letter they seem to send everybody. Sent letter stating intention of legal action, no reply... Issued online court claim for circa £5300 + interest on 2/3/7, they stated intention to defend on 13/3/7...
Today my online court progress report tells me:

Defence

You are unable to take any further action online on this claim.

The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.

For further information, please visit the Tutorial for Money Claim Online or contact the Customer Help Desk.


Is this the !!!!!!!s just playing for time again? I have heard absolutely nothing back from Lloyds at all, no offer of token payment, nowt and they are still stinging me with these crippling charges.
Does anybody know what will happen from hereon?? Obviously I have all my statements (i.e. proof of these charges)

mufctony1959

sent 1st template letter asking for statments to Lloyds tsb 2nd feb.
After hear about possible OFT ruling in March decided to claim only last 4 years which was available for me to view on line (£1007.)
so, without waiting for response to letter 1 went straight to letter 2,sent
24th feb.
Got most patronising,'pat-on-the-head' letter on satutday 24th, "our charges are correct, you new what they were, now toddle off little boy and get an education you moron and don't waste any more of our time".
so sent 3rd letter threatening court action by registerd post yesterday 26th march.
seems to me, looking at some of the posts on here, that lloyds have the more transalvanian roots than all the other banks put together, everyone appaears to have the most agro with these, persevere is the watch word so lloyds,lets go all the way..BRING IT ON BABY.. keep you posted.

metroarea

After going round the houses with Lloyds i found out the following. They have been sending out a standard letter going back to September 2001 to stall the process (they did admit that to me!). If you call 0121 633 5476 and speak to the copy statement department, be nice as pie and very understanding and jokey with the ladies there and they will post the missing statements straight out to you without you having to re-apply. This is obviously if you have received an incomplete request.

Good Luck

lonely_2

I am going to be starting a Debt Management Plan with Payplan in April. One of my creditors is Lloyds, who I owe £18K to. Up until recently my current account was with Lloyds but I have now changed. I am thinking of reclaiming my bank charges but I have to tread with caution. If I try to reclaim hundreds of pounds from them, won't they in turn refuse to freeze interest and reject my DMP? Has anyone been in this situation - please advise?????

Louling06

snowchick wrote: »

Hi

Which address do I use to request my bank statements/details of charges. I have gone through the threads but see 2 addresses listed and I am not sure which address to use.

One is in Birmingham and one in London

Help!

Thanks in advance

Hi,
I used the address given in the other thread with the addresses and it took forever to get a response. Myt letter wasn't even signed for as I'd sent it recorded delivery. The address on the letter responding to my request for statements was:

Lloyds TSB Bank Plc,
Copy Statement Unit,
Swallow House,
PO Box 139,
10 Swallow Street,
Birmingham.
BX1 1LT

Hope this helps
Louise

justinjp

Quote:
Originally Posted by chiquemonkey
This is the very twee letter I received from them.
Dear xxx
I am sorry you are unhappy about your ac charges.
Like any business we do make a charge for some of our xtra services. When customers don't have enough in their acc's to cover a payment, this always means extra work, and has to happen quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we cannot agree it.
Of course it is only fair too, that we are completely open about any charged for services before you might need them. Thats why we take care to give every new customer the latest guide to our charges (I've been with LLOYDS for the best part of 20 years and never received any such thing!)You can also get up to date details about fees and borrowing rates at all our branches, through our helpline and on our website.
Just as importantly we do everything we can to help our customers avoid these charges. You can get an up to date balance enquiry at any of our cash machines,,over the phone, on line or by text.
If you know a payment is going to take you over your agreed limit you are welcome to see if there is anything we can do....(yeah right - offer me a loan at extortionate rates!)
The OFT has published new guidelines on credit card default charges ???(very odd I never asked about these?)We're still talking it through with them, but the important point is that the guidelines are about "default" charges that people pay when they break an agreement with us. This does not apply to your Charges as these were for dealing with your request to go over your agreed overdraft limit. Theny are not default charges because you have not broken your agreement. They are our prices for the service we provide in these situations.
I understand that you may also have some concerns about us sharing your information with credit reference agencies we use, I'd like to re-assure you that this does not apply to bank charges, only white data payments to credit card, loan or mortgage acs.
I do hope that you can see that we make our charging as fair as possible and why I cannot agree to cancel your charges.
Referred me to Ombudman etc.,

I EXPECTED THIS RESPOONSE FROM LLOYDS AND WONDERED IF THERE IS ANYONE MORE IN THE KNOW THAN ME WHO CAN HELP ME TO CONSTRUCT A LETTER BACK...ARE THEY RIGHT? I COULD GIVE UP

many thanks

Very Very disappointed LLOYDS TSB Customer!

I got practically the same letter from LTSB. My first letter they ignored and I only received this after threatening court action.

As I'm not going to get anywhere with them and I assume this is to try and fob people off, I guess I just proceed to MCOL?

I've just got this same letter...

What shall i do now go to MCOL. Or leave it for a week?

tricia9

Dear Imh1
I found your post interesting, especially the way they sent you a letter which didn't have a stamp on. Last week I received my bank statement from Yorkshire bank which had beenopened prior to me getting it, and someone had written on the envelope 'posted to wrong address try again.'
The last time this happened with my bank statement was again when I had complained to Yorkshire about the way they handled my account last year.

One wonders if they are now employing people to be deliberately provocative?

My local postie is quite well trained,is even friends with the dog, and he can't understand how it happened, as he takes extra care with my mail.
Be interesting to learn if anyone else has been on the receiving end of such meddling with the post?

busby1969

Keep going I have registered with MCOL now, like you i feel bring it on............thousands are getting charges bak why not you and me !

good luck, stick to your timescales........


regards

kelly