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Night Owl

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Everything posted by Night Owl

  1. Hello Fzrkitten, my claim is for around £7000 including interest and court charges. Waiting to hear from my local court. Interested that your claim is going through the small claims court. Good Luck Night Owl
  2. Hi Matt, Welcome to my confusion!!!! Welcome aboard! All the advice welcome. This is all a very big learning curve for me! I'm out of my knowledge comfort zone here but have learnt alot thanks to the informative threads and advice. I think Lloyds is going to be a tough nut to crack. It's great to hear that you have such a similar sized claim. Someone to compare notes with. I started all this on Monesavingexpert.com but came to the other side! Just doing draft order for directions (New strategy for allocation Questionnaires BF's #2) with the addition of H - other information (GaryH's from the same thread #59) Will hang on to it until I hear from my local court as advised by Broke Dave. Good Luck Night Owl.
  3. Well done thenaylortribe! Great news. Make sure the money is in the bank before you open the bubbly! Night Owl V's Lloyds
  4. Well done GuidoT. What a torchorous jorney for you. I'm hoping mine wont be that bad!!!! Go and have a glass of bubbly and celebrate. Night Owl V's Lloyds
  5. Notice of transfer of proceedings, transfered my case to Gloucester County Court. Allocation questionnaire has been dispensed with. 9 Point defence. Do I send a draft order for directions or wait until I get my first letter from Gloucester court?
  6. Well done littlep great news. Just read your thread and you were at the same stage as me. Inspiration of a win is good encouragement. WELL DONE. Hope I get the same result soon. Night Owl V's Lloyds
  7. Todays post has brought the defence papers with the standard 9 point defence. Waiting for a court date. Advice to all read the forums and guides relevent to what is happening to you. Set up a thread and start your own story and ask questions. Don't suffer in silence! There is help out there and boy is it good help. Feeling calm at the mo but I know things are going to heat up as letters come through requesting paper work. Thats when I may be asking for help!! Good luck to all. Off to work I go!
  8. Bugger! Sorry! Just phoned MCOL and the defence was put in on the 04/06/07!!! The case has now been passed to my local county court which is Gloucester. Just got to wait for the paperwork and the lady at MCOL said they are busy!!! Thanks for your help Griffin.
  9. Lloyds had 28 days to put in a defence, served 14/05/07 28 days would have been 11/06/07! I have not received anything. Help please!
  10. Still no Ts&Cs from the bank! Still no letter from the court! MCOL says defence 09/05/07, (deemed to be served 14/05/07) received letter on 25/05/07 of acknowledgement with sheet attatched saying Defendent is defending all of the claim. But nothing else received! Am I just getting impatient and will I have to wait to hear when it is transfered to my local court. :? Gloucester is my local county court. Thank you.
  11. Well done Kitty, great news even if you had to go all the way to court. Seems the usual that they settle in full on the day of court and before going in. Still waiting to hear about my court date against Lloyds after they defended. Well done and enjoy the money. Night Owl V's Lloyds
  12. Hi there Jenkins, you sound like you are at the same stage as me! Filled through MCOL 09/05/2007 acknowledged and then defended on 04/05/2007. Waiting to hear which court my claim is being transfered to. Gloucester is my local. They will write informing you. Plus informing you of any further paperwork required such as Allocation Questionare, which seem to be dispensed with according to previous info. Whilst waiting I have today sent a letter to my bank asking for copies of documentation on my acc. since opening it 1977 and changing to joint acc. 1984. To include contract we signed and terms and conditions relating to that time. I have also told them that the letter and any further corrospondence will form part of my court bundle should it be required if my case goes to court. Night Owl Vs Lloyds
  13. I have just written to Lloyds asking for copies of all documentation relating to my single acc. opened 1977 to include the signing of the original bank contract and terms and conditions for that time! Also the same information for changing to a joint acc. in 1984! I have added that I will require this information to form part of my court bundle should my ongoing case go to court. Also a copy of my letter and any further correspondence relating to it will also be included in my court bundle! I have time on my hands waiting for the court to inform me of the next stage so thought I would work on evidence for my court bundle. If I get a reply that includes T&Cs that far back I will be passing them on to GaryH for his library of old T&Cs. Please search your attics for old T&Cs to PM to any Moderator. They do a fantastic job and deserve all the help in return for their invaluable advice on this site. Knowledge is power and power will help us win!
  14. Has anybody written to Lloyds for a copy of their original agreement and T&Cs when they opened their bank acc? Mine was opened in 1977 then changed to a joint acc. in 1984. I haven't kept any paperwork that goes that far back!
  15. It's a Platinum acc. I'm now wishing all this could be over much quicker. Thanks for your encouragement.
  16. Hi all, My story starts 05/03/2007 when I asked Lloyds for my list of charges for the last 6 years. My list arrived 04/04/2007 and I got down to calculating! O/D interest, Acc. charge, O/D excess fee, Unpaid D/D, Unpaid Personal loan and Unpaid personal cheque added up to £6010.11 plus £804.62 interest at the statutory rate. Total to claim £6814.73. Have I done anything wrong so far? My next letter requesting payment of my charges was sent 10/04/2007. Received the standard reply 18/04/2007 "sorry you are unhappy about your account charges". My reply was sent 20/04/2007 requesting full payment or court action. I did not receive a reply to this letter. I then filled a court case through MCOL 09/05/2007 paying £250. It was served on 14/05/2007. Please tell me if I have done anything wrong or missed anything out. Lloyds acknowledged my claim on 25/05/2007 and on 04/05/2007 are now defending my claim. Awaiting the next step and reading up on all the relavent threads for help and advice.
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