A Couple Of Queries ***WON!!!!!!***

[Laura Cooke]

Thanks Michael I only have copies off the internet of bank statements is that ok and also since the claim started I have no evidence of the 1st charge I am claiming for £35 and a charge for £90 I was claiming has since been refunded so what do I do about this?

 

As you rightly say it`s daunting I`ve been a wreck throughout this mainly due to lack of confidence and fear of getting something wrong and coming all this way for nothing, I never thought it would go this far for the small sum involved

 

I really am grateful for the advice from everyone who as bothered to post

[Michael Browne]

I only have copies off the internet of bank statements is that ok

Yes that's fine

 

and also since the claim started I have no evidence of the 1st charge I am claiming for £35

OK the 'correct' thing would be to amend the claim for, guess what, £35 (unreclaimable). But that would involve more hasssle. I would be inclined to leave it. If the bank picks up on it they'll merely deduct it from the settlement.

and a charge for £90 I was claiming has since been refunded so what do I do about this?

 

Don't delete this from your schedule. Just make a note at the bottom of the schedule as a part refund and mention it in your Statement of Evidence.

[GuidoT]

Hi Laura, that order is good news.

 

I have just prepared all the documentation myself. I have a PDF with all of D (in post 149) scanned in that I will email to you. Remind me if I forget to send on Monday.

[Laura Cooke]

GuidoT your a saint thanks will remind you Monday have a great weekend

 

[Laura Cooke]

GidoT nothing received yet you asked me to remind you

[Laura Cooke]

Good job you are sending me court bundle GuidoT as I cannot see where to get these documents from that have been listed, if you have had further charges since you started your claim these cannot be added can they?

[Michael Browne]

if you have had further charges since you started your claim these cannot be added can they?

 

Not without amending your claim (£35 unreclaimable). Easier to try and negociate these at settlement or make a 2nd claim.

[GuidoT]

I have not forgotten, bear with me.

[Laura Cooke]

How do you go about negotiating a settlement on these latest fees? I don`t expect to enter into any dialogue it`s all done on paper or do I get to meet someone to negotiate? been unable to open up the link to this statement of evidence no idea why I am annoyed that the bank put you through all this I can`t wait for it to come to an end, I know it`s our money but god can`t believe I`m putting myself through this for about £600, this site must have some strong minded people as all this as made me ill, I just wish it would all end

[GuidoT]

As promised I have emailed you a PDF of all the AQ ref. d) documents, as promised, to your talktalk address.

 

Little chance of being able to negotiate penalties that have since been deducted, leave it for now and once this claim is over, you can start a separate claim for the same.

[photoman]

Laura

I would suggest you consider applying for costs also once this settlement is recieved (and it will be).

The time effort and stress this has put you to can be compensated for by doing this.

Look at this link by Bankfodder;

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order-new-post.html

 

Regards

 

Photoman

[Laura Cooke]

Thanks for this Photoman but again more and more paperwork it`s just one big head ache for a me I truly wish I`d never started all this I was lead to believe it would never get this far before I`d get a settlement, once I think I am getting somewhere I `m having to provide more papers, documents, the whole experience as done my health no good at all, I could well see this frightening lots of ordinary folk off just what the banks hope for, it`s been a nightmare, I am so relieved when I send paper work only to find some more is then required

 

Bet if I owed bank something they wouldn`t have to go through all this, it`s been months now and I feel no nearer forward

[Laura Cooke]

Thanks will look for this email, if I make a fresh claim for further charges I will let a company do it for me I couldn`t go through this again. I can`t bring myself to get this paperwork together for this next 28 days I`m just fed up with it, what will it be next surely no more can be requested

[GaryH]

I know its hard at times Laura, but don't get disheartened - you are SO nearly there! Its not worth worrying yourself unduely over.

 

You've got the support of some good people on this thread, and I'm sure that support will continue untill your money is safely back in your account.

 

Chin up!

[Laura Cooke]

Thanks Gary and for the few that have come to my aid I just feel I cannot go any further I feel worn out with it I am always being told "Your nearly there" but it never ends and I feel this last lot of information that is needed is way harder than everything else I have had to put together

 

This about "It`s a lot to take in" scared me to death as from that I have took it as all this 200 odd more lots of papers have to be read or whatever? I can`t get my head round it why it is needed when the banks have no intentions of going to court what a waste of time effort and INK and deep stress to myself

 

Unless a miracle happens I won`t be getting this paperwork together for the next round as I can`t even bring myself to look at the papers any more I feel deflated I thought that was it when I did the last lot why can`t the court just tell them to pay up why on earth should a normal housewife be put to all this, I`m sure the bank wouldn`t have to go through this if it was other way round

 

I know I have let my son down but I don`t feel able to go on with it If I knew it would end this week I could cope but it is a nightmare that never seems to have a closing date, my biggest regret is that I did not let a professional deal with this from day 1, I wouldn`t do this again for any amount of money it`s not worth the stress

[GuidoT]

I will not allow you to give up now, I have sent you an email.

[GaryH]

Hear, hear!

 

Nope, not allowed to give up I'm afraid!

 

Have a read of this thread, if you get a bit of time -

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/16906-freebirds-flight-path-soaring.html

[Laura Cooke]

GuidoT has kindly offered his assistance of which I am very grateful, without this help I don`t think I could go on, thanks Gary for the posts belonging Freebird I find it terrible to see others have been in same boat, to say this experience as been daunting is an understatement in my case, the banks should be brought to account for dragging things out when they clearly have no intentions of defending things in court

[GaryH]

the banks should be brought to account for dragging things out when they clearly have no intentions of defending things in court

We're working on it.

[GuidoT]

Gave Laura a hand, matter now settled in full.

[Laura Cooke]

Many thanks to GuidoT for helping me get a postive result for my son which resulted in him receiving £698 being paid into his Lloyds TSB account yestersday

 

I would also like to thank Gary who I understand wanted to help out with my paper work, perhaps you`d help us with the Banks wasting our time, not suprising to you or GuidoT I do not understand the procedure even though I have read your post who does the letter go to you speak about and what do you write? etc

 

Thanks once again for the help and support from a few good people son very pleased:smile:

[24nickp]

sorry 2 hijack your post but im jus in need of a little help im at the min taking lloyds to court for around £3k im just preparing my bundle but cant get the links for the early day motion from the h o p to work i found another link for the oft summery but cant find the h o p one cheers if any1 can help

[GuidoT]

24 - PM me your email address and I will send you a PDF of the entire bundle, you need to start your own thread too:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/13182-how-make-posts-please.html

[GaryH]

Brilliant!!!!!

 

I'm so pleased for you Laura, well done. This is excellent news. See, told you it was worth it!

 

I'll change your title to reflect your victory.

 

Also, see the link in my sig for the wasted costs application.

[empowered]

Laura - well done to you and your son! I nearly howled when I saw you were going to give up :o but you had superb help from GuidoT and GaryH - enjoy sleeping again and your sense of victory over the "Big boys"! Debs:p