My wife and I have just received two very bizarre letters from Lloyds. We each have a sole account as well as a combined joint account with Lloyds, and we both received full repayment of charges on our sole accounts approximately 6 months ago. This morning, a letter came through to my wife, and one to the both of us. While I haven't read either letter so can't dictate them word for word, they're practically identical and my wife tells me that the general gist is: "Thanks you for getting in touch with us again" "sorry you're still unhappy" "There are many reasons why we believe charges are fair" "we don't agree to adjust any of these charges but on this occasion we're prepared to repay you in full and final settlement of your complaint. This money will be credited into your account within 10 working days" The key words being "again" and "still unhappy" as we haven't been in touch with Lloyds regarding this since we cancelled our claims with Money Claim Online. The amount they've offered my wife is different to the amount she claimed, and the amount on the other letter, which appears to be related to our joint account which we didn't claim on, bears no resemblance to either amount. My first question is, has anyone received anything like this? My second is, what do we do if the money is actually paid into our accounts. My initial reaction is to withdraw it and place it in a separate account (my wife's is top spend it immediately) and leave it there until we're sure that the bank won't ask for it back. Her argument is that they've told us they're giving us this money as part of our complaint, which is a lot different to them havign put the money there due to a transactional error. Would we have a leg to stand on if the bank asked for it back? Granted, it may never even reach our accounts, but I'd like anyone and everyone's advice on what to do if it does turn up? Johnny

nope, they asked if I could prove car 2 was insured elsewhere. I can't as it wasn't. This car in question is not explicitly mentioned on a certificate of insurance anywhere other than the policy which I tried to cancel. They insist that they didn't receive my cancellation so their approach is that unless I can prove that I sent the certificate back or show that the car was insured by another provider then they can't see when to backdate the cancellation to and can only cancel the policy as from today

Hi - I didn't want to go down this argument on this thread as I said, I was looking for advice on how to get my money back, but, just his once... 1) My wife is insured fully comp on car 1, which is in her name. 2) She, and only she, is allowed to drive any other car with 3rd party only cover as long as she has the owner's permission. 3) I am the owner of our 2nd car and I "allow" her to drive it. I never drive it. Her FC policy with another provider explicitly states (in words to this effect): "you can drive other cars with 3rd party cover provided you have the owner's permission and the car isn't yours" I also know this to be legal as she was stopped by the police driving this car and given a producer. They stopped her as she was driving a car which wasn't insured and told her as much. She explained the situation to them, they were fine with it, and they were also fine at the station when she handed in her producer with the required documents. Thanks for your input, and I'm sorry that uninsured drivers are the bain of your life, but I don't need comment, I need help. There's a big gaping loophole in my wife's insurance policy which we're exploiting and I don't hide the fact. We're both legally insured to drive our cars in the way that we drive them, at no point does one of us drive with no insurance. I just need advice on what Direct Line have said to me regarding my refund.

In a nutshell, I'm being shafted by Direct Line. I applied and got car insurance from them for our 2nd car last August. I rang and cancelled the policy 7 days later as I realised my wife could drive this car 3rd party using her policy on our other car. As it's a banger and not worth much, we weren't bothered about it only being 3rd party, and while I know that this approach to car insurance is frowned on by some, it works for us as we don't have much money but need to run 2 cars due to work and child-care commitments. Anyway, when I rang to cancel they said I needed to send in my certificate of insurance with a covering letter, which I did by recorded delivery. I checked the track and trace with Royal Mail and the letter was delivered the day after. I foolishly assumed this would be the end of it and my full years premium would be refunded to my credit card as I'd cancelled within 14 days as they stated. I was surprised to get a policy renewal letter through saying words to the effect of "your policy is due to expire, here's what it would cost to renew for a year". I rang them today to see if the letter was sent by mistake, or was a ploy to get me to insure with them, but it turns out they didn't cancel my policy and no refund was sent. I didn't check for the refund being credited to my credit card at the time, I assumed it had gone through as I heard nothing back from Direct Line. Their Customer Relations team said that unless I can prove that I either sent the Certificate of Insurance to them, the car was insured elsewhere or was legally declared off the road, they won't refund. I don't have the tracking number for Royal Mail as I binned it some time ago and the car is neither insured nor is it off the road. I've contacted Royal Mail and the Financial Ombudsman for help, but I don't see what I can do. Direct Line have records of my calling to cancel but they're adamant that they didn't receive the letter nor the certificate so therefore I was insured for the year and can't have the refund I was expecting 12 months ago. Can anyone help? Please?! Johnny

Just bloody typical, I post that reply BEFORE my wife checks her account to find that the £900+ has just been credited!!!!!!! Thanks to Hagen again for that letter template. Lloyds had until 4pm today to pay off before the warrant was requested. I thoroughly recommend using that letter as a final demand as it's worked twice for us now. Johnny (and the silent Clare)

Hi I've just received a letter from Her Majesty's Court Service telling me that my judgement has yet to be accepted as they need to query a specific piece of information I have supplied and won't be accepted until I post this back. The point of clarification is: 2, Reason(s) for failure: We are unable to register a firm/limited company. Please advise if the judgement relates to: a) Limited company trading as a firm b) Joint judgment against firm and limited company c) Firm only d) LImited company only e) Firm part of address for limited company e.g accountants or solicitors f) Other - please specify I'm guessing it's d) Limited company only. The address I gave for Lloyds TSB was my home branch. Can anyone help please? Johnny

let me know what happens if you can. When I went through my claim with Lloyds they partially settled once the claim went in and then paid the rest when I threatened the warrant so I'm hoping that I won't have to actually issue a warrant for my wife's claim.

Default judgement accepted after no acknowledgement of the claim by Lloyds TSB. We've now sent a letter to Lloyds asking them for payment in full within 7 days otherwise we'll be executing a warrant. Still no contact from the bank other than the "we're sorry you feel this way..." letter after the LBA was sent Let's see what they come back with, if anything Johnny ----------------------------------------------- Lloyds TSB - £860 Data Protection Act - 31/01/07 Prelim - 28/02/07 LBA - 20/03/07 Court claim issued - 13/04/07 Default judgement issued - 04/05/07

Claim finally submitted on MCOL 28 days to go - hopefully

Morning Trying to start a new claim on MCOL but it's running soooooooooooooo slowly. Is anyone else having issues or is it just my connection? Johnny

LBA has been sent, still heard nothing from the bank They've got till the 4th April then it's off to court Clare ----------------------------------------------- LloydsTSB - £860 DPA - 31/01/07 Prelim - 28/02/07 LBA - 20/03/07

After a successful win myself, I'm now helping my wife through the process against Lloyds. Prelim letter sent today for £860. Wish us luck Johnny and Clare ------------------------------- prelim 27/02/07 £860

After sending a letter threatening a warrant for execution, I've just noticed this line on my online statement: 29/01/07 SETTLMNT OF CLAIM £151.19 so it's all over now. no threat to close my account or remove my overdraft Looks like Lloyds are buckling under any kind of pressure

Get in!!!!!!!!! After sending a letter threatening a warrant for execution, I've just noticed this line on my online statement: 29/01/07 SETTLMNT OF CLAIM £151.19 A big thanks to everyone for their help!!! and good luck to all of you who are still fighting. Johnny

Hi I've just received a letter from Her Majesty's Court Service telling me that my judgement has yet to be accepted as they need to query a specific piece of information I have supplied and won't be accepted until I post this back. The point of clarification is: 2, Reason(s) for failure: We are unable to register a firm/limited company. Please advise if the judgement relates to: a) Limited company trading as a firm b) Joint judgment against firm and limited company c) Firm only d) LImited company only e) Firm part of address for limited company e.g accountants or solicitors f) Other - please specify I'm guessing it's d) Limited company only. The address I gave for LloydsTSB was my home branch. Can anyone help? Johnny