Lloyds Tsb Solicitors/review account

Julie_Sheppard_3

I also received a letter from Lloyds Tsb Solicitors (Their Initials read scam by the way!!) stating they were going to defend my court action, I was all geared up and attended court in Grimsby with a mountain of paperwork-They did not turn up-I was awarded the full £2,700 and am waiting for them to pay up (They have 9 days left before I send in the bailifs) Ha HAAAA!!!
Stick to your guns and make sure you open a parachute account with another bank.
Onward and upwards (RBS owe me some more cash)
To your success
Julie

LozBingley

Read my two letters I sent recently still waiting for a reply from one but got paid out on the other (subject to the cheque ariving!)

http://forums.moneysavingexpert.com/showpost.html?p=5711043&postcount=1123

http://forums.moneysavingexpert.com/showpost.html?p=5742517&postcount=286

arcadian_dream

Hi All,
I have taken my bank, Lloyds TSB, to court after sending all the appropriate letters regarding claiming my bank charges back. They were served on July 14th and have since filed an acknowledgement of service.

Today, I received a letter from the bank's solicitors. In it, they say the bank will be defending on the grounds that:

1) "The fees you seek are properly incorporated into your contract with the bank"

2) "By going overdrawn, you are making a request to the bank for an increased overdraft, which the bank may meet or decline. If they agree, you must pay all necessary charges. The issue of penalties only arises as a matter of law, where there has been a breach of contract, and there is no breach of contract here"

The letter goes on to say:
"Looking ahead, a situation which gives rise to a dispute is not one the bank wishes to continue. In view of this, you are requested, please, to make contact with your local Loyds TSB Branch Manager within the next 14 days"

Sorry if this is long-winded but I want to make sure all the details are there for you to read. So, what does this mean? Is the bank looking to settle out of court? Should I contact the branch manager, as requested? Or should I continue forward with court action?

Many thanks for all your help,

Brad.

kellymundy

SC&M seem to be sending these letters a lot recently but sadly this one is not indicating that they are going to settle out of court so keep going on the court case.
Now for some hopefully good news! It seems that most people who get that letter if they wait a few days they will receive a letter that does contain an offer.
Best thing i can advise is wait a few days before doing anything.
As for the meeting with the branch manager i don't think thats anything to worry about either as the banks are cowards and they are never do anything to your face so i doubt that its a way to close your account or anything sinister like that.
Keep going because whatever happens you are near the end.
Good Luck and hope to see you in the success thread real soon.;)

maleshot

Hi. I received a letter earlier this week from my Bank's solicitors making me a "gesture of goodwill" offer to refund my bank charges in full plus interest and legal fees.

One of the conditions of the offer is that I make an appointment to review my account with the bank. I have done this and the appointment is scheduled for next Friday. I have also returned the letter, signed agfreeing to the terms outlined by the solicitors.

Can anyone tell me how soon I will receive the money being transferred back into my account.

Also I have this strange fear that they may deduct any "hidden charges" from my refund. Are my fears irrational?

Casadeora

maleshot wrote: »

Can anyone tell me how soon I will receive the money being transferred back into my account.

Also I have this strange fear that they may deduct any "hidden charges" from my refund. Are my fears irrational?

Just a thought.......ask the solicitors for confirmation of when you will receive that money. Once that money goes in, if you are presently overdrawn, or have other debts (mortgages), they could attempt to use that for those debts. Rest assured they can do that....you can argue, stick to your points, and get them to back down. Its worth checking, what the AGENDA for the meeting will be......

kellymundy

To be honest the banks wouldn't take an overdraft off you to your face, they can't risk putting a face on the problem, plus they're a bunch of cowards.
It wouldn't make sense to take an overdraft off you anyway, especially if it's been all in order and ticking along nicely for a while because they make money off you when you use it, so they would just be shooting themselves in the foot!

teleaddict

Hi folks,
I'm currently attempting to reclaim charges from Lloyds TSB on behalf of my wife. We have applied to the court and yesterday she recieved 2 letters. (1) from the court stating the bank will be defending the case and they have requested time to put in a defence and (2) a letter from the banks solicitors stating they intend to fight the case.
Can anybody please advise me (from your experiences):-
(1) does the 28 days granted to the bank, to put in their defence include the 14 days they had (ie they get an additional 14 days) and
(2) In the solicitors letter it stated that the bank would like to "sort things out nicely" (can't remember the exact wording) and asked her to make an appointment to see her local bank manager. Is this just a standard letter, if so has anybody visited their local bank manager & what did it achieve.

millow

Hi,Ive just copied and paste this to let you know what martin wrote about the time scale when the log a defence"...Banks have 14 days to acknowledge a claim after it's served. If that’s done they have a further 14 days to respond and enter a defence. Commonly they do an acknowledgement, but no defence is entered. Again this means you win, though this time after 28 days. At that point, immediately request a ‘judgment by default’, this can be done online..."So from this i would say its 14 days to respond then another 14 days to entre the defence - 28 days in total incl of weekends.Hope this helps?

davy_fulla

teleaddict wrote: »

Hi folks,
I'm currently attempting to reclaim charges from Lloyds TSB on behalf of my wife. We have applied to the court and yesterday she recieved 2 letters. (1) from the court stating the bank will be defending the case and they have requested time to put in a defence and (2) a letter from the banks solicitors stating they intend to fight the case.
Can anybody please advise me (from your experiences):-
(1) does the 28 days granted to the bank, to put in their defence include the 14 days they had (ie they get an additional 14 days) and
(2) In the solicitors letter it stated that the bank would like to "sort things out nicely" (can't remember the exact wording) and asked her to make an appointment to see her local bank manager. Is this just a standard letter, if so has anybody visited their local bank manager & what did it achieve.

It sounds like you're nearly there to be honest. I first received a letter from the court saying the bank would be defending, a week later I got another letter from the court giving me a hearing date for 8th August. Yesterday I received 2 letters from the solicitors (both dated the same date) - the 1st one I opened was asking me to visit the branch manager to sort out my account (fairly pointless as I don't use it now) and the 2nd one offered me the full amount.

I wouldn't bother making an appointment with the branch manager, just sit tight and wait for an offer to come through.