Van vs Lloyds, post Test Case

[Vanderpelt]

I have recently toted up the amounts that Lloyds owe me from around 2001 to present, and it surprised even me when it came to £2,599. I have used Martin Lewis calculator and the interest on that is £751.52. I understand (as like many I have been watching the developments) that claiming charges back has become both harder and more complicated due to the test case that trundled its way through the court process.

 

My question is according to ML there are two basic arguments, the human one, or the legal one. I am tempted to do a hybrid one of arguing where Lloyds caused my wife and I great difficulties (that have taken 7 years to get out of) as well as slap them with the legal one (which is section 140 CCA I think of the top of my head).

 

I am in the process of drafting the letter to put to you guys here, but what do you think?, as I am about to be finished with our credit cards now (on the last one WOOHOO) and I really don’t want to let this amount of money slide.

 

Any thoughts, as I understand that Lloyds are in the process of defending a couple new cases is that right?

 

Van

Edited April 23, 2010 by Vanderpelt
Change in Circumstances

[bornrich]

Hi Vanderpelt,

 

You are correct, there are a number of cases in the system that will challenge Lloyds legal team and that they will have to defend. No doubt the results of these will come through in the next month or so.

 

Lloyds won't want to settle these at it could reopen the floodgates. But then if they defend them and lose they're in the same situation.

 

From experience the courts (judges) are only interested in the legal arguments. Unless you have very specific proof that the bank mishandled and mistreated you I would try the personal route, unless you are experiencing real hardship.

 

Bornrich

[Vanderpelt]

So is it best to wait for the other court cases to resolve themselves, and does it matter that some of the charges are from 2001?

 

as it had been my intention to send a few letters to test the water and see what responce i got from them.

Edited April 30, 2010 by Vanderpelt
Clarifying Point

[Vanderpelt]

any thoughts?