LloydsTSB (merged)

biggerlee

thanks will carry on see what happens

shoe_2

missc wrote: »

I feel privilaged im mentioned first thanks

Just checked on line and no defence filed as yet (acknowledged on 20th) when was yours acknowledged?

Its good where all in the same situ makes things easier for us

Its probably just Lloyds - i reackon we should bung MOCL 10% of our claim per person to fail to advise LLoyds about all our claims LOL

Cant belive banks go to bitter end and still have to pay man its soooooo annoying :mad: :mad: :mad:

Hi Miss c and co
well they filed a defence yesterday the 1st of may the !!!!!! ! but i have not had a copy as yet !!! Also i am dealing with Monument credit card and they have also filed a defence 0n the 26th but still not had a copy of the defence so just sat waiting really !!! MCOL said they are so so bisey and they are behind at sending them out !!! i am not really happy about it but nowt i can do really just sit and wait !!! When have Lloyds got till to file a defence for yours then ??

MAF66_2

Hi everybody, just received a letter stating that Lloyds intend to defend the whole of my claim...£1,500, using a firm of solicitors in Brighton. Is anyone else in the same position or are they just delaying me? I'm a little concerned about what to do next as this is new ground for me....please help somebody!!

trevor_p

I have gone though all the process, lloyds bank have put a settlement in my account that i didnt agree to, I wrote a letter to say take it back but they havent and now they are startng a defence, im getting worrid dont know what to do, it has been refferd to court and i dont want to lose what ive been given can anyone help what happens next??!!!

justinjp

MAF66 wrote: »

Hi everybody, just received a letter stating that Lloyds intend to defend the whole of my claim...£1,500, using a firm of solicitors in Brighton. Is anyone else in the same position or are they just delaying me? I'm a little concerned about what to do next as this is new ground for me....please help somebody!!

Same as you pal...

I'm wondering. Do i have to send them anything. Or do i just sit back and wait and see.
Or do i have to send the solicitors anything?????

Is there any more paper work to do????

They do make life hard. Its like were all dumb, and dont know that people are getting there money back!!!

BLUESUNSHINE_2

Don't panic .Stay calm and focused. Judging by other posts on here , they'll pay up before the court case .Sometimes the banks legal fees outway what they would have to pay out without going to court .I think you fit into that category

shoe_2

BLUESUNSHINE wrote: »

Don't panic .Stay calm and focused. Judging by other posts on here , they'll pay up before the court case .Sometimes the banks legal fees outway what they would have to pay out without going to court .I think you fit into that category

Dont worry you also MAFF66
it seems this is the game they play i am also in the same situation they have filed a defence i am just waiting for a copy of the defence and for it to be transfred to my local court !!! I am also scared but i have beat the Halifax so i am more determind to fight it to the bitter endddd ! There is lots of support on here just sit back and wait now but have copies of everything to prepare for a court hearing !!! I may see you there it will be like a gathering there is that many of us !!!

busby1969

Help please the courts have now given a date and i am really scared, also i have to pay another £100 and i dont have it......................what should i do now please,,,,,

thanks

kelly

Debt_Slayer

Since my original post i have sent the LBA letter and after a phonecall about my accounts i then recieved a letter from those lovely people at Andover. The letter included something i've not seen before:

"We're still talking it through with the OFT, but the important thing is that the guidelines for reclaiming are about 'default' charges that people pay when they break an agreememnt with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit (erm, i dont even have an overdraft) by paying direct debits. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations"

:rolleyes:

Now, as im disappointed at their lack of reimbursing me, i'm gonna complete my MCOL claim which i set up weeks ago. I'm claiming for 2 accounts and sent my letters to Lloyds in two seperate packs, one for each account. My complaint reference number is the same for both accounts, so what do i put in the amount i'm claiming? Its £2600 for both accounts, also do i include the £200 they've charged to my account this month when i enter the final figure on MCOL or do Lloyds automatically pay that too?

Sorry to ramble on. Help up to date much appreciated.

Debt_Slayer

Oh yeah, on the MCOL page, i'm wanting to claim interest too, but i havent the faintest idea what i put in the interest rates bit when you C&P that statement you have to include.