Reclaim Unfair Bank Charges article discussion Part II

spacemere

dwarfer wrote: »

my bank has paid up, how do i stop the court proceedings, i log into money claims website and it has the options but im not sure

Sorry i dont know i didnt get that far, halifax paid up before i filed with court

roysal

Thanks k1mme, will get that complaint letter sorted tonight. Have to give it a try don't I?

jmaxted

Hi,im at the stage of taking lloydstsb to court i have to file and serve a schedule of sums claimed with clear explanation thereof and the date incurred.In default the claim shall be struck out.Ive got to have this in by 4pm tomorrow,i just thought this stage was straight forward.Im really panicking!!:eek:
What i want to know is what exactly do the court want in regard to the schedul of sums claimed? is this just my charges that were sent out originally? if it is do they need altering to show the interest today?
And finally is their anything else i need to give to the court at this stage?

The next stage is when i have to give the court bundle etc, which is june the21st.

PLEASE PLEASE SOMEONE WHOS BEEN AT THIS STAGE COULD YOU GIVE ME SOME ADVICE ,QUICKLY IF POSSIBLE
Thanks for your help

Jill_kim

Hi,
I have written to Abbey and requested a list of my bank charges in March, they have gone over the 40 day limit and have been sending various stalling letters, this morning i got a letter telling me that my overdraft expires on 1/Aug/2007 and they will not be renewing it. I telephoned the bank (and was very polite despite my fury at their bullying tactics). I was told that there was no link with the request for bank charges and this was due to a lack of activity on my account during May. my question is - has anyone else experienced this and who can I complain to. Any suggestions/ideas gratefully recieved.
cheers Jill

Dede_2

Hi has anyone been intouch with Lloyds solicitors directly? Was reading a post a few weeks ago about their solicitors Sechiari ,Clark and Mitchell but am unable to find it now , have tried the search but no joy. If anyone can help would like to hear thanks

ltm07

Jill my partner & i also had a letter from the Abbey reducing our overdraft from £800 to £400. We have paid this overdraft off & hopefully will not be using this account again.

princesskez26

Dede wrote: »

Hi has anyone been intouch with Lloyds solicitors directly? Was reading a post a few weeks ago about their solicitors Sechiari ,Clark and Mitchell but am unable to find it now , have tried the search but no joy. If anyone can help would like to hear thanks

Hi Dede,

I have the following information on Lloyds solicitors:

Sechiari, Clark & Mitchell
Department So, PO BOX 499
1-5 Queens Road Quadrant
Upper Ground Floor
Brighton
East Sussex
BN1 3XJ

Telephone: 01273 205381
Fax: 01273 745356

Kez

EssexGuy_2

Ok then, I thought all was going well.....

I went through MCOL, the bank (in my case Alliance and Leicester) did not acknowledge the claim and I won through default. I then requested a warrant be issued which was approved and sent off to the bailiffs for action.

Today I checked MCOL to see the status of the warrant to find that is said "UNFULFILLED" and a brief explanation that

"The Bailiff has been unable to recover the amount shown on the warrant. You are unable to take any further action online on this warrant."

How can this be when I gave the address of a bank!? Surely an international bank could afford £2790 !?

I am now slightly confused as to what I can do next? Can anyone help me?

sophiecat_2

jmaxted wrote: »

Hi,im at the stage of taking lloydstsb to court i have to file and serve a schedule of sums claimed with clear explanation thereof and the date incurred.In default the claim shall be struck out.Ive got to have this in by 4pm tomorrow,i just thought this stage was straight forward.Im really panicking!!:eek:
What i want to know is what exactly do the court want in regard to the schedul of sums claimed? is this just my charges that were sent out originally? if it is do they need altering to show the interest today?
And finally is their anything else i need to give to the court at this stage?

The next stage is when i have to give the court bundle etc, which is june the21st.

PLEASE PLEASE SOMEONE WHOS BEEN AT THIS STAGE COULD YOU GIVE ME SOME ADVICE ,QUICKLY IF POSSIBLE
Thanks for your help

I am no expert and am just awaiting correspondence from Lloyds solicitors myself, i expect the same kind of thing you have received! What i plan to do is to list all my charges individually with a brief explanation of what they were for, the date, and next to that the amount of interest and then total.At the end a brief explanation of how interest was calculated.

eg: charge £35. Unpaid direct debit. 12th april 2004. £2.21 interest.

Please try not to panic, there`s loads of us getting to this stage. Surely if set out as above they can`t need it any clearer!!!!

EssexGuy_2

Ok then, I thought all was going well.....

I went through MCOL, the bank (in my case Alliance and Leicester) did not acknowledge the claim and I won through default. I then requested a warrant be issued which was approved and sent off to the bailiffs for action.

Today I checked MCOL to see the status of the warrant to find that is said "UNFULFILLED" and a brief explanation that

"The Bailiff has been unable to recover the amount shown on the warrant. You are unable to take any further action online on this warrant."

How can this be when I gave the address of a bank!? Surely an international bank could afford £2790 !?

I am now slightly confused as to what I can do next? Can anyone help me?