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

Can anyone tell me if I get the cost of requesting a warrant back if I win? This part's scaring me now as they've already paid up over £500 and requesting a warrant for the remaining £150 seems like a risk Johnny Preliminary Approach - 06/10/06 LBA - 06/11/06 Court Claim Issued - 06/12/06 Partial Settlement Offered - 22/12/06 Default Judgement Accepted - 03/12/07

has anyone submitted a warrant yet?

My default judgement has been accepted. I have the option to start a warrant but I'll give them a week or so to reply to the judgement. Johnny Preliminary Approach - 06/10/06 LBA - 06/11/06 Court Claim Issued - 06/12/06 Partial Settlement Offered - 22/12/06 Default Judegment Accepted - 03/12/07

Bank's goodwill, seems like an oxymoron to me! All I know is that I have (some) money in my account and the default judgement should be processed tomorrow. Let's see what they come back with, of anything. Thanks again Johnny

I'm in the same position, nothing from Lloyds by the expected date of 28/12 so I've submitted a default. I did get a letter from them on the 22nd offering about 80% of what I claimed, which has already been paid into my account. I'll keep an eye out for what happens to you guys - good luck Johnny

Thanks for that. I thought I'd better ring money claim first to see if LloydsTSB's letter to me was submitted to the court. It turns out it wasn't and stroppy yet helpful girl on the phone told me that LloydsTSB hadn't submitted anything bythe 28/12/06 deadline so I can claim a default against them for the full amount. This seems a little too easy. Could it be that the amount I'm claiming wasnt worth their while in court cases and that they thought they'd try to buy me off with a 80% offer? I haven't read any other threads where this has happened. I'll let you know if I hear anything back from MCOL. The judgement will be submitted to court tomorrow morning Johnny

A reply from Lloyds, dated 22nd December, received 23rd December: "Thank you for getting in touch with us again. I am sorry you are still unhappy about your account charges. We've already explained that we believe it is fair to charge you for extra services you've requested, as long as you know about the charges in advance. When you didn't have enough in your account to cover a payment, we had to agree to make it by setting up or increasing your overdraft, or tell you we couldn't agree to it. We feel it's only fair to charge for our service in considering and implementing this. It's easy to keep a running check on how much is in your account. You can et an up-to-date balance at any of our cash machines, over the phone, online and by weekly text to your mobile. If you know a payment is going to take you over the limit we've agreed, you're welcome to see if we can raise it - and we can usually give you an answer straight away. Again we can do that for you by phone, on line or at any of our branches. There's no charge at all for this. Generally we don't agree to adjust any of these charges, but I can tell you that on this occasion we are prepared to repay you £515. You may have read that we and the other banks are discussing overdraft charges with the Office of Fair Trading. Meanwhile we do consider each customer's position individually, and we are making you this offer because the amount you're asking for is less that the cost we might face in dealing with your complaint if you took it any further. I need to let you know that this does not mean we consider we have any legal obligation to do so. This sum will be credited to your account in the next few days. As I've explained, these charges are avoidable and we would strongly urge you to keep within the limit you've agreed with us or to ask us if we could increase it for you. This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of the letter. I have enclosed their leaflet that outlines how to contact them. Your Sincerely Sally Farrington (Mrs) Customer Services Officer" First of all, I'm happy with the £515 as an initial payment but from everything I've read on this site I still intend to pursue the rest (I'm claiming £685 in total). Secondly, how ridiculously patronising is this standard response? I laughed out loud when I read it. They actually forgot to include the Ombudsman Service's leaflet. I have a couple of question if anyone can help? 1) How should I respond to the bank? 2) What should I do, if anything, with my Money Claim On Line claim? As far as I can see, Lloyds haven't acknowledged anything with ths court as my claim. MCOL says: "Your claim request has been accepted. The Defendant has 14 days from the date they are served with the claim, to reply." Does this 14 days to reply mean that they have 14 days to reply to me or to reply to the court? They had till Dec 25th to reply. Any help would be appreciated. Johnny

The letter went in the post this morning - thanks for the advice and help. Now I just wait...

I've found the details for Northampton County Court, I'm now just unsure of which solicitor to send it to

Thanks for the reply I haven't sent anything yet. I don't know who the solicitors are yet, my claim is just saying "Issued" on MCOL. Will I have to wait until they're served before I know who to send it to? Also - MCOL tells me that all claims are issued to as court in Northampton. Is this the court I'll need to send the details to> Johnny