LloydsTSB (merged)

kiggy

Hi there, i have read some of the emails, and have listened to Martin on the radio and got fired up, completed stages 1 - applied for bank charges list - got quite a fright i see how they are in business, sent letter 2 and 3, now i have to do the court bit, and must admit very nervous. The bank is LloydsTSB and I am in Scotland and it is over the £750 about £5500 (rounded off) over the 5 years. What do i do as it will not come under small claims and finance is still very negative. Would love this money to help home improvements like some heat. Any advice would be extremely helpful as i am worried of making a mess of this and i am not exactly a female lion._pale_

4236perkins

kiggy wrote: »

Hi there, i have read some of the emails, and have listened to Martin on the radio and got fired up, completed stages 1 - applied for bank charges list - got quite a fright i see how they are in business, sent letter 2 and 3, now i have to do the court bit, and must admit very nervous. The bank is LloydsTSB and I am in Scotland and it is over the £750 about £5500 (rounded off) over the 5 years. What do i do as it will not come under small claims and finance is still very negative. Would love this money to help home improvements like some heat. Any advice would be extremely helpful as i am worried of making a mess of this and i am not exactly a female lion._pale_

Hi - Dont worry just follow the legal system through and search infomation on this web site. You can always just ask questions on the forums, I got lots of help & tips.
Its very easy, plus the legal people are getting fed up with the banks for defending at the earlyy stage and then settling! It wastes the courts time
Good luck!

princesskez26

Grrhhhhhhhhhhh I hate Lloyds TSB

kazda

Hi I am quite new to this, the story so far...

Followed all the letters from this site and now LLoyds have put in a defence the same day as I registered it with MCOL which was 13 June! Phoned local court they know nothing about it. Phoned the solicitors they know nothing about it. Have had nothing in post other than from MCOL. Is there a phone number I can contact Lloyds on to find out what is going on?

Hope someone can help I feel a bit in limbo.

princesskez26

kazda wrote: »

Hi I am quite new to this, the story so far...

Followed all the letters from this site and now LLoyds have put in a defence the same day as I registered it with MCOL which was 13 June! Phoned local court they know nothing about it. Phoned the solicitors they know nothing about it. Have had nothing in post other than from MCOL. Is there a phone number I can contact Lloyds on to find out what is going on?

Hope someone can help I feel a bit in limbo.

If you've rang their solicitors, then I don't know. If you've filed MCOL then no your local court won't know about the claim yet unless Lloyds have defended as thats when the claim is transferred.

The telephone number for the Andover recovery centre is 01264 725214 but they are very difficult to get through to,

Kez

princesskez26

kazda wrote: »

Hi I am quite new to this, the story so far...

Followed all the letters from this site and now LLoyds have put in a defence the same day as I registered it with MCOL which was 13 June! Phoned local court they know nothing about it. Phoned the solicitors they know nothing about it. Have had nothing in post other than from MCOL. Is there a phone number I can contact Lloyds on to find out what is going on?

Hope someone can help I feel a bit in limbo.

Sorry after re reading your post I notice they have defended. I recd. my defence from them after approx. 5 days. I think the best thing to do would be to ring MCOL and ask them if the case has been transferred to your local county court yet. They usually do it automatically and you receive notification of it in the post from them but as you've been waiting a while i'd ring and ask,

Kez

mrs-d_3

Hi all. I sent my first letters (3 for 3 acc.) to Lloyds on the 18th June to address in Birmingham. I've received reply yesterday from Andover and reading through here it seams a standard wording. I'll be sending letters b4 action on monday and was wondering do I use same address like first time (Customer Care, Birmingham) or do I reply to Birmingham? MrsD.

mrs-d_3

I meant .... reply to Andover... dooh.

princesskez26

mrs-d wrote: »

I meant .... reply to Andover... dooh.

I'd reply to Andover as that's where all correspondance comes from at that stage

Kez

mrs-d_3

Thanks Kez was thinking to do that and also put it FAO Debbie Gilbert. Team manager who sent the reply.