LloydsTSB (merged)

kathykat_2

lloyds have put defence in on my claim i am beginning to worry, i keep seeing that people are being given £750 at which stage does this seem to be happen all i keep getting from them is a letter saying we are sorry if there so sorry then why not just pay up.

johnnynonails

hi spoke to a lady at andover she says pple will get a good will jesture and that will be it . if ur not happy then u have to go to the fo or do mcol i just phoned this moring as i spoke to sum 1 two weeks ago and my case is marked as urgent yet the lady put that on my file 2 weeks ago and she said i just have to sit and wait , so im going to have to sit and wait lol cos i aint got the £250 to go to court untill tsb gives me a good will jesture lol cheers john

saversarn

puregraphite wrote: »

Have they given you a date yet?
LTSB just filed a defence on my case as well... I am kinda nervous but will keep fighting, whats the worse that can happen!!

Who knows how long it will take. Keep us posted

Hello I'm the same my cout date is three weeks today, I have never had a good will offer! Just get your court bundle ready and sit tight.

Shellyk_3

Hi, I have issued proceeding with Lloyds also, they have until Monday 11th to acknowledge, I have checked MCOL this morning and there is still no response.

Does anyone know if it updates throughout the day or if it won't change now until tomorrow - in which case I ma another day closer.:T :T :T

4grand

4grand wrote: »

Hi everyone!, I'm sort of worried / unsure..

I have a notice of hearing letter here, which is easy enough, but page 2 I don't understand:

"Upon considering the file

IT IS ORDERED THAT

1. The defendant's do file and serve skeleton legal arguments at least 21 days before the hearing

2. Claimant at liberty to rely at least 7 days before the hearing."

What on earth does that mean? Do I have to do anything??

Just bumping this! can anyone advise??

doc_holloway

Hello!

Having used the Moneyclaim website to submit my claim against Lloyds TSB a few days ago, I checked my account online today and lo & behold, they have given me a 'goodwill payment' representing roughly 60% of my original claim amount (including interest & Moneyclaim fees).

Could anyone give me some advice on how to proceed if I take either of the following courses of action?;

1) If I decide I'm happy with this amount, how do I go about halting the court proceedings, and is there any way I can reclaim the £30 fee that I paid Moneyclaim, or will Lloyds be liable to pay this having effectively 'accepted defeat'?

2) If I decide that this is not enough, and attempt to recliam the total amount in full, what action should I take in terms of the claim I have already filed against Lloyds? Technically they no longer owe me the amount I originally claimed for, so is the claim now invalid, or can it be updated to reflect this goodwill payment?

Thanks!

Stephen_Leak

Firstly, if they've offered £750, this is just Loyds TSB's standard offer at present. You don't quote the actual amounts involved, but I have to say that 60% wouldn't "float my boat."

If it is acceptable, you need to write back to them accepting it "without prejudice", and also pointing out that they still owe you your £30 court fee. The only reason you incurred this was because they dragged their feet. When, and only when, you've got your £30, you can close your claim on Money Claim Online.

If it isn't acceptable, you still need to write back to them accepting it "without prejudice", and also advising them that you are continuing your claim for the remainder of the full amount. You do not need to formally amend your court claim, as the courts are aware that the banks always try to make these deals at the last minute. If it gets to a hearing, the judge will simply deduct the part settlement.

In either event, keep a copy of your letter for your court bundle, just in case.

IVANHOE_3

hi

got letter saying the following

"the office of fair trading has published new guidelines on credit card / bank default charges. We're still talking it through with them, but the most important point is that the guidelines are about "default" charges that people pay when they break an agreement with us. That doesnt apply to your charges, as these were for dealing with your request to go over your overdraft limit. They are not default charges because you have not broken your agreement. These are our prices for the service we provide in these situations"

naturally this is not the angle used when you goto the bank and you are "fined" cos your wages went in late etc, they simply say youve gone over your limit £25 charge. which simply depending on the teller you get refunded if they are having a good day or you know them well. it always been very inconsistent in my experience. has anyone else had this reply letter. whats the next stage of play please. i didnt request to go over my limit. i went over my limit like everyone else, i think we are playing with definitions here to bore me and make me discontinue. thoughts?

Edinburghlass_2

In fact as this is a definate NO letter from Lloyds you can pass your claim over to the Financial Ombudsman earlier than the 6/8 weeks that they ask you be dealing with the bank before they will take on your claim.

Have a read of Martin's article regarding putting your claim through the FO.

doc_holloway

Stephen_Leak wrote: »

Firstly, if they've offered £750, this is just Loyds TSB's standard offer at present. You don't quote the actual amounts involved, but I have to say that 60% wouldn't "float my boat."

If it is acceptable, you need to write back to them accepting it "without prejudice", and also pointing out that they still owe you your £30 court fee. The only reason you incurred this was because they dragged their feet. When, and only when, you've got your £30, you can close your claim on Money Claim Online.

If it isn't acceptable, you still need to write back to them accepting it "without prejudice", and also advising them that you are continuing your claim for the remainder of the full amount. You do not need to formally amend your court claim, as the courts are aware that the banks always try to make these deals at the last minute. If it gets to a hearing, the judge will simply deduct the part settlement.

In either event, keep a copy of your letter for your court bundle, just in case.

Thanks for the reply!

Lloyds have not yet acknowledged my court claim, is it possible that if they don't hear from me following the goodwill payment, they will consider the case closed and not bother acknowledging the claim, thus letting me win by default?

I am considering leaving the claim open, ignoring the goodwill payment completely and just hoping Lloyds don't respond to the claim, thus meaning they will be forced to repay the remainder of the charges after the 14 days are up. Do you think this is a wise course of action or should I definitely contact them whatever I decide to do?