LloydsTSB (merged)

ronnie3108

rox85 wrote: »

hiya, need a bit of direction plz........... i've had a claim struck out today as lloyds tsb failed to get their allocation questionaire in on time , i phoned the court and they said it's in my hands to recover the money now not them.....so i ring lloyds tsb(scam were closed) spoke to a lady on the phone who said i have to write to their bank charges department and they will write back within 40 days (yes 40 days!!!!!!! :mad: ) so i say no thats not good enough i've won the case and i want payment i'm entitled to it immediately and your solicitors will know this.blah blah i end up waiting 10mins for a manager to come on the phone who my husband was initially talking to then the bloke realised that the acount was in my name and REFUSED to speak to my husband (even though i gave permission) so my husband was instructing me on some facts to tell this manager bloke and he pipes up and says ' tell your husband to sit back and be quiet' :mad: how rude. i want to close my account but they are saying there are outstanding charges on my Account (£60 overdraft excess fee - and get this i don't even have an overdraft!) yet yesterday my husband was told by lloyds tsb that i could close the account and all charges will be forwarded.

right now my rant is over how do i go about getting the £600 lloyds owe me.any idea's.

i agree with Wet panther - you should now issue a warrant under MCOL to recover your money. As Lloyds never responded to our claim, we obtained judgement by default, but they still never paid us so we have issued a warrant and today called the local bailiffs office. the bailiff was really nice and told us that Lloyds have 15 days to respond to the warrant. if they choose to do nothing then a bailiffs visit is due to our local branch at the end of next week. the bailiff said "They WILL pay" because they don't want the fuss in front of their queuing customers. The bailiff in fact has her own reclaim bank charges going through (don't know what bank though) So she's behind this 100% and is fully up for a row. Go for it and get the Bailiffs, as SC&M are too aloof & above themselves to want to play reasonably.

ukprincess_2

ukprincess wrote: »

Hi Everyone

Just giving you an update on my claim against Lloyds and seeking some answers to some questions i have.

As expected and as everyone mentioned before Lloyds have filled defence on the last day. I phoned mcol to find find out what the next step and stage would be and been told that it would be directed to my local court (small claims) and that i will recieve a letter from them.

I guess i will have to start preparing my court bundle now lol.

Here my questions:

1. Do i have to have a copy of the terms and conditions for my court bundle? If yes i do not have these anymore as we do not bank with lloyds anymore. So if needed where would i obtain these.

2. Has anyone who hasnt got their account with lloyds anymore won their claim or recieved settlement before court??

3. Is there anything else i need to do as am getting bit worried now if it does go to court wouldnt know hat to say lol. Also i read that alot of People mentioned to contact scam/scum prioir to court. Should i do so and if yes what do i say?

Also i would like to add a big thank you to everyone posting on this site as it is interesting to see how other people are getting on and progressing and also giving tips to others that still have to go the journey they have already done!!!!!!!!!!!:T

Can anybody help with these questions and give advice???

vickyb

hi there im hoping someone can help, i recently sent off my 'letter with claiming interest' to lloyds tsb the other week, this morning however i have recieved a letter from them saying this:

the first part of the letter goes on about them trying to be fair with their customers and setting out guidelines so that people dont get charged in the first place then it goes on to say that they are in touch with the OFT by saying ' you might be interested to know that the office of fair trading (OFT)published new guidelines on credit card default charges in april 2006. we along with other banks have been talking through those guidelines with the OFT since then,as they are about 'default' charges that people pay when they break an agreement with us.Those guidelines do not apply to your service charges-they are not default charges as you havent broken your agreement with us.The OFT has recently announced that it recognises that applying the general principals it set out in 2006 to current accounts is not straight forward and that a more detailed examination is needed.'
It then goes onto say that if im not happy and cannot come to an agreement with them then they are happy to put me intouch with the Financial Ombudsman and they will consider my case independently.

i dont know if im looking too much into it but its sounds as if i cant do anything about it.Its the way theyve worded the letter or is this what they are planning to do to scare me off! Has anyone else had a letter worded like this or is it just me?

is this one of the standard letters that they send out? what should i do know now,do i just keep going and send them the next letter?

davy_fulla

vickyb wrote: »

hi there im hoping someone can help, i recently sent off my 'letter with claiming interest' to lloyds tsb the other week, this morning however i have recieved a letter from them saying this:

the first part of the letter goes on about them trying to be fair with their customers and setting out guidelines so that people dont get charged in the first place then it goes on to say that they are in touch with the OFT by saying ' you might be interested to know that the office of fair trading (OFT)published new guidelines on credit card default charges in april 2006. we along with other banks have been talking through those guidelines with the OFT since then,as they are about 'default' charges that people pay when they break an agreement with us.Those guidelines do not apply to your service charges-they are not default charges as you havent broken your agreement with us.The OFT has recently announced that it recognises that applying the general principals it set out in 2006 to current accounts is not straight forward and that a more detailed examination is needed.'
It then goes onto say that if im not happy and cannot come to an agreement with them then they are happy to put me intouch with the Financial Ombudsman and they will consider my case independently.

i dont know if im looking too much into it but its sounds as if i cant do anything about it.Its the way theyve worded the letter or is this what they are planning to do to scare me off!

is this one of the standard letters that they send out? what should i do know now,do i just keep going and send them the next letter?

Don't worry about that letter. I got the same from them a while back. Time to start with the court process and put in your claim via MCOL. Good luck.

ronnie3108

davy_fulla wrote: »

Don't worry about that letter. I got the same from them a while back. Time to start with the court process and put in your claim via MCOL. Good luck.

I agree
Ignore the letter. it's their standard letter and has no relevance as the office of fair trading and it's decision over credit card charges some time ago has absolutely no bearing on the bank/default charges issue, and the OFT will not be making a decision over bank charges until at least the end of the year.
Start your Court process

vickyb

hi there davy_fulla what is the MCOL and do i now send off the next sample letter on this site to them?
many thanx

puregraphite

Thank you, the only concern I have is how long this money will take to arive my account!! Form what I've seen they'll drag it for another month. I have not sent back the form to the court, so I prosume no date will be allocated to my case. Also I have to send the court a letter saying its being settled out of court. I guess I will give them some time until sending out the bailiffs.

princesskez26 wrote: »

Aren't they just :rotfl: Well well done to you anyway at least you've skipped your day in court

Kez

princesskez26

vickyb wrote: »

hi there im hoping someone can help, i recently sent off my 'letter with claiming interest' to lloyds tsb the other week, this morning however i have recieved a letter from them saying this:

the first part of the letter goes on about them trying to be fair with their customers and setting out guidelines so that people dont get charged in the first place then it goes on to say that they are in touch with the OFT by saying ' you might be interested to know that the office of fair trading (OFT)published new guidelines on credit card default charges in april 2006. we along with other banks have been talking through those guidelines with the OFT since then,as they are about 'default' charges that people pay when they break an agreement with us.Those guidelines do not apply to your service charges-they are not default charges as you havent broken your agreement with us.The OFT has recently announced that it recognises that applying the general principals it set out in 2006 to current accounts is not straight forward and that a more detailed examination is needed.'
It then goes onto say that if im not happy and cannot come to an agreement with them then they are happy to put me intouch with the Financial Ombudsman and they will consider my case independently.

i dont know if im looking too much into it but its sounds as if i cant do anything about it.Its the way theyve worded the letter or is this what they are planning to do to scare me off! Has anyone else had a letter worded like this or is it just me?

is this one of the standard letters that they send out? what should i do know now,do i just keep going and send them the next letter?

Yes, as davey says above 'don't worry' this is just one of Lloyds standard fob off letters, proceed with the next step of your claim, good luck

Kez

sophiecat_2

Hi all, Its been almost three weeks now since i won my claim against Lloyds(they didn`t defend). I asked to be paid imediately, but still nothing. Rang S,C and M , but amazzingly there is never anyone around who can deal with my case! Had enough now!! Has anyone had to issue a warrant?? x

vickyb

who are the MCOL im still only new to all this?
many thanx