Which address (merged threads)

tlc11_2

Im claiming from Lloyds TSB ,I need an address for my 2nd letter....please can anyone help?

tlc11_2

im with lloyds tsb

Ocky

Hi. I am new to this site and have looked through previously posted threads to no avail. I have written to halifax and received a cursory reply, telling me they are looking into my claim for bank charges (totalling £5000 over the last 6 years) I am now sending the letter threatening Court Action. However, I need an address in England for the purposes of filing the claim at the County Court. Does anyone have this address or what address have people used so far at this point ? Any help would be greatly appreciated and aplogies if this address has already been given out before,,,,,,but couldn't find it!!!

Ocky

Edinburghlass_2

halifax Plc
Trinity Road
Halifax
West Yorkshire
Hx1 2rg

tlc11_2

hiya does anyone know the address i should send my 2nd letter? Im with lloyds tsb

tlc11_2

hiya did anyone reply to your question?....i'm in the same boat as you

natnee_2

Hello,

I am starting court proceedings with Lloyds TSB, with all previous letters I have sent them to my branch. Do I use this address as the defendents address on court forms or a different one? If a different one what is it?

When I took on Natwest (and won!!!) I didn't need to do the court bit!!!

Also, What should I put in the brief details of claim section.

Thank you to anyone who replies!!!

Nat

puddle_2

Hi started with Lloyds TSB on 13-11-06 today received a total of £4,350.00.
so just follow the templates on this site and you should do just fine.

I sent this once they politely said get lost:


Name
Address
phone no.

date

Lloyds TSB
bank addy
phone no.


Dear Sir/Madam,

Re. Account number: XXXX XXXX
Your ref: FROM THEIR LETTER


I refer to the charges applied to my account (up to and inc 1st December 2006), amounting to £X,XXX.oo (Including the £10.00 D.P.A. payment), which I have requested you pay back.

I wrote to you on 18th December 2006, making the original request for a payment in settlement of my claim. As I have not received a satisfactory response, (your reply,
d/d 22nd December – received 29th December 2006).

I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the Cardiff County court will rule in my favour.

I have (again) attached a full schedule of the charges and interest with this document.

I look forward for a full response to this letter within 7 days, otherwise I will commence court proceedings to reclaim my money.


Yours faithfully,


Name

Quote from your website.
Lloyds TSB Customer Service
“We take pride in looking after our customers and providing an exceptional customer service.

I then had £750.00 paid into my account, a letter arrived 2 days later! to say this was a final payment. I replied that they should not have tried to intimidate me by just plonking in a large sum of money into my account without speaking to me first (sic) and if they wished they could take it back out as I was preparing to go to court (they didn't - or reply!!!)

I wrote this for the courts in my AQ forms (all of which go to the banks legal team so I included the MPs letter as well!!



General statement



During the last few years as a result of unemployment and being a single parent I have found that finances have been stretched beyond my control time and time again. Throughout this period my bank have charged me enormous sums of money through their charging system, at no point have they offered to help me with my finances by offering advice as to my cash flow or otherwise, they are obviously aware that I am in totally reliant upon state benefits for any income. For a period I was able to get extra money be selling some of my household goods ALL of which I paid into my bank to try to reduce my debt and charges with them.
At times the bank refused to make a payment from my account because it would make it over the limit set but, when it comes to their charges they applied them in full regardless of the fact that those charges were putting my account over this limit. I find that dreadful especially as my payments would not have been such a problem as they can see a regular payment coming into the account!



Regarding their Ex – gratia payment


I was very upset to find that on the 5th February last a large sum of money had been deposited into my account without my approval or indeed knowledge!

Two days later a letter from the bank arrived to say that they were making this as an ex gratia payment, at no time have they entered into ANY dialogue with me, one of the reasons for my claim is that the bank has never made any effort to advise me on my finances but, rather have just charged me more and more seemingly content to make very large sums of money from my position!

I find this unannounced payment of a large sum of money into my account to be quite intimidating, my feeling is that they think by showing me such a large amount of money for no real reason will make me think “wow a load of cash, I’ve got something.”
Well no I think it is disrespectful of me and of the seriousness and legitimacy of my claim against them.


(I included this line as a ref for dates and amounts and to show the swelling off my account!)

( Details from my bank statement
Date Type Details Amount Account balance
05 Feb 07 Deposit ex-gratia payment +£750.00 +£810.81 (account balance at that point) )

( end of my general statement)

use this when filling in court forms...

PARTICULARS OF CLAIM

1. Between the dates of XXth XXXX 2XXX and Xst XXXXXX 2XXX the Defendant applied numerous default charges to my bank account.
(the Claimant - You).

2. The charges applied constitute an unfair penalty under the Unfair Terms in Consumer Contracts Regulations, which state: “A term is unfair if it requires any consumer who fails his obligation to pay a disproportionately high sum in compensation”. The amount charged does not reflect the cost of the breach.

3. Under the law of penalties, the charges are an unlawful ‘extravagant’ penalty. Referring to the case of 1896, Wilson v Love, a charge is a penalty if it does not reflect an item’s true cost.

4. Under the County Courts Act 1984, the claimant is entitled to interest at a rate of 8% per annum from the date they were first deprived of the money to the date of this claim. This amounts to a total sum of £XXX.xx, continuing to accrue at the statutory daily rate of 0.021% until judgment or earlier payment.

5. The Claimant therefore asks the court to enter judgment in their favour for the sum of £X,XXX.xx plus interest, amounting to a total of £X,XXX.xx.


I have kept a file on PC nd have templates (as my brother is now having a go LOL) so if you want anything just email me and I'll forward (as Word or excel docs)

good hunting....

Puddle

Waynem_3

Sorry! But I Carn't find on the site the address of the lloydstsb where I need to send my first letter
Please help a reclaim virgin. :easter_os MANY THANKS IN ADVANCE

natnee_2

Thanks Puddle that's really encouraging! However, on the court papers N1 I think its called? Which LLoyds address did you use ur local branch or a head office?

Nats