Hi, I'm considering taking action over a Mortgage I had and have the following questions: The mortgage was arranged through Lloyds TSB, but was provided by Chelt and Glocs - Should I be writing to Lloyds or Chelt and Gloucs for Subject Access Requests and for my first letter re mis sold PPI? I can't work it out because I saw a mortgage advisor at LLoyds TSB to arrange the mortgage, fill in forms, sign things etc but my mortgage statements are on C&G headed paper, but all my PPI type insurance paperwork (schedules etc) are on Lloyds headed paper but the PPI was with C&G. So I guess both companies would hold data on me - hmm confused. Also do you advise a full Subject Access Request before initiating a reclaim for mis sold PPI? I have all my mortgage statements and an initial quote document, schedule etc. Also on my mortgage account statements, there are around £480 of charges all at around £30 for returned Direct Debits for monthly payments... Can I try and reclaim these, or does the OFT case and the stays of court action apply in the case of mortgages? Once I know the answers I can open a thread/s in the right place btw I've previously reclaimed bank charges successfully with the help of CAG but am rather a newbie at looking at PPI. Thanks.

Quick question. am looking at helping a friend reclaim their charges - they have a lloyds credit card to claim on and a standard current account. should they do one claim or two? only asking as credit cards are slightly different - i'd assume they do them both together. re gary - yes no problems.

hope you had another good night out (i went for a curry to celebrate, damn, it tasted good!) and enjoy your holiday too... i'm going to start on round 2 next week

thanks for all the congratulation messages 90% of the money has gone towards paying off overdrafts etc - it's going to make a huge difference to my budget each month. for info [problem] had filed their bundle with the court on the 20th june (2 days before deadline) - I was never informed nor did they send me a copy. I'm going to pop into court next week and go and have a look at it just out of interest. thanks again, survey filled in, donnation to follow

Wahooo! I won too!! £4932.92 credited to my account yesterday - that's all charges, 8% interest and court fees - nice. thanks for the help too matt ...now this is settled I have some others in my sights Cheers!

Wow I WON!!!! just checked my account after seeing that Mattyb13 had been repaid (as we were due in the same court on the same day) and there it was.. a nice new 'BC Refund' of £4932.92 That's all charges, 8% interest and court fees - nice. I'd sent my bundles off on 21st June and court date was 5th July. I really didn't think I'd hear anything until maybe the day before court. YIPEEEEEE!! Thanks to all for the help. Using this forum has been a very positive experience. Also found another old TnC which i will scan and send in to evidence address. Letter tp be sent to court now. Wonder if I'll get any communication from Lloyds tsb or [problem] about this.... Donation of course also to be made to the forum Gonna go dance around the house again now! Thanks all x

Nice one Matt! Congratulations!! gonna go check my accounts now - fingers crossed!

I'm going to include the Lloyds TSB card TnCs in my bundle, but should i then include a para about clause 9.2 in my witness statement re breach? i guess i'm also asking should i detail in my witness statement every document i intent to refer to?

re allocation payments where AQs have been dispensed with: - I called the worcester court yesterday to check about paying the allocation fee as on other threads I've seen other people having to pay it, but the courts being slack in requesting it. worcester court said that normally the allocation fee is payable even if the AQ has been dispensed with, but that all allocation fees for these bank charge cases at worcs court have been dispensed with as well. nice.

I called the court yesterday to check about paying the allocation fee as on other threads I've seen other people having to pay it, but the courts being slack in requesting it. worcester court said that normally the allocation fee is payable even if the AQ has been dispensed with, but that all allocation fees for these bank charge cases at worcs court have been dispensed with as well. that's what we like to hear

same here matt - I called the court yesterday and they said that yes, normally the allocation fee is payable even if the AQ has been dispensed with, but that all allocation fees for these bank charge cases have been dispensed with too - hurrah for the worcs court

hi matt, i got my worcester court date through as well and it's the same day as you - in fact i'm straight after you! re the AQ fee - afaik the fee is still payable for 'allocation'. from reading other threads it seems the courts are forgetting to inform people they have to pay this as their paperwork system isn't up to speed with dispensing with AQs yet. i'm gonna call the court today and check. also i was going to send a similar letter to [problem]

mine's come too - same date:)

Got a letter today saying the district judge has allocated to small claims track. Hearing of claim will take no longer than one hour - date of hearing tbc. Bring it on!

hi mattyb13, if i were you i'd call your court to check with them. I got the same short letter today from the county court in worcester and when I phoned them they said I was not going to get an AQ. As such I'll be sending in the draft order for directions in as a suggestion to the judge.

update: just called the court and they say no, I'm not getting an allocation questionaire. Annoying they did not say this in the letter! The court person I spoke to said I can send in some proposed directions as a suggestion for the judge, so I'll do that as suggested in the "draft order for directions" part of the 'new strategy for AQs' thread. I remember seeing something related to including a bit about why a stay (if requested) would not be agreeable to me so I guess I should send something to that effect too - can anyone point me to the right place for this? From reading other threads I see it recommended that I should also send a prod letter to SCM (as a tactic recommended in the HSBC "New---after 28 Days - Maybe No Aq!!!!!!!" thread). Any other suggestions? btw - the court person i spoke to said my letter envelope probably came from a different county court because they are helping to handle the massive overload of paperwork at the moment!

Ok. So what about cases where the AQ is being dispensed with? I've just been told by the court that I won't be getting an AQ. I'm now going to submit, as a suggestion to the judge, the draft order for allocation. But should I include another page regarding any possible SCM / Lloyds request for a stay as per this thread? I'm assuming that in the same way I am still going to send the draft order into the judge, that SCM could still send in a request for a stay. Any ideas?

Just to say this morning I got a letter from worcester county court saying "the file has been referred to the District Judge for directions". That's all it said. I called the court and they confirmed I won't be getting an AQ.

Well turns out SCM filed a defence (two pages with 9 main points) about 15 days ago. I just got a letter from the court saying the file has been referred to the district judge for directions. That's all it says. The postmark on the letter envelope is from a different county court to the Worcester one I started the claim at, although the letterhead comes from worcs county court. So does this mean I'm not getting an AQ, or is this the normal procedure before AQs are sent out?

Well, spoke to the court today. LLoyds filed an acknowledgement of service on April 3rd - thus giving them 28 days since the date of service which was 23rd March. The 28 days are now up, but again the court can't tell me if a defence has been filed by SCM because they have a "massive backlog" on logging defences. The court said they'd send me out another request for judgement slip, which I guess I should fill in and return just in case SCM have been late with their defence - is that the right thing to do?

Just a quick (non) update. N1 was handed in at Worcester court on 21st March. As of Friday 13th April, the county court office was over two weeks behind in their paper work so they were unable to tell me if Lloyds TSB solicitors had made any response to my claim. The court office folks advised me to put in the tear off request for judgement slip which I did (recalculating the s69 interest) and they said if there had been a response they'd just return the request for judegement slip to me. Well a month from N1 being served is almost up, so even if they'd responded with a acknowledgement of service then the final deadline for defence is due. I'll check with the court next week and see how they're doing with catching up on all the paperwork!

Thanks Barty, the sun is shining and with the arrival of spring I think it's a good day to hand in an N1 form Will let folks know how it all goes.

Hi I'm about to file an N1 form at my local court But since my two letters to Lloyds TSB I've been charged twice more, totalling £60. Can I just add these latest fines to my N1 form claim, even though they weren't in my original letters?

Hi there, am very happy to be starting a thread for my claim from Lloyds TSB! - thanks already for all the well written advice found on the website and importantly in the forums - it's so inspiring to see people helping each other out so much! (and a perfect example of positive use of the internet) Am claiming £3800 approx before adding any statutory interest (I'm not bothering with any unauthorised borrowing interest calculations) - an amount which will make a huge difference to my finances and lift me out of my debts. I've had their current standard template reply to my first request and am about to send off my letter before action. Quick question though - where to send the letter before action. I sent my first claiming letter to Gresham St in London and now their response has come from debbie gilbert at the Customer Services Recovery Centre, in Andover. Should I send the next letter to debbie at Andover or just stick with the main London address? Thanks, Just Frugal

I'd guess the 'time is running out' stance has more to do with ratcheting up / sustaining the massive media coverage of late and in increasing the rush to claim that's seen 1000s and 1000s of new claims being initiated each week over the last couple of months - in other words I reckon it's more of a media / political / campaign hype tactic to keep increasing the pressure. The media's gonna go nuts over the OFT report and there will be plenty of coverage of people saying just carry on and take em to court, just as with credit card cases.