The time has come to "crush" lloyds..

[empowered]

Congratulations to you - I really must get my act together this weekend and get started.

[HSBCrusher]

Thats a problem I think we all can suffer from, I know I do.

We let things go by, deadlines come and go, still no money.

At least its in my account now!

 

As I said earlier though, I didnt get my CC sorted with this lot, so spreadsheets out... watch this space!

[soulman333]

Well Done !!!!! Really pleased for you:)

WOW your lloyds claim didnt take that long did it.

Im just about to hand my n1 claim form into the court on weds 31st.

Hopefully my claim will be successfull also.

 

CONGRATULATIONS ANYWAY.

 

REGARDS

PAUL.

[HSBCrusher]

Hopefully my claim will be successfull also.

 

.

Of course it will!

All the best on your claim!

[Red Dave]

You think that's bad! When I worked at LTSB in edited!, the then business manager used to withhold the bank's cut of any loan insurance premium refunds if the customer settled early. The matter of unpaid items when you pay in same day is a hot potato now! The managers make their decisions at 9am and cannot change it even if someone phones at 9.30am. The system has changed - it's called single decisioning! Really helpful!

[photoman]

Red Dave

Welcome to our site !!

I do hope your making a claim, the irony would be fantastic !!

Otherwise, I hope your planning to hang around and impart some insider wisdom to us !!

Regards

photoman

[HSBCrusher]

You think that's bad! When I worked at LTSB in XXXXXXXXXXXXXXXX the then business manager used to withhold the bank's cut of any loan insurance premium refunds if the customer settled early. The matter of unpaid items when you pay in same day is a hot potato now! The managers make their decisions at 9am and cannot change it even if someone phones at 9.30am. The system has changed - it's called single decisioning! Really helpful!

Hello Dave, thanks for that.

It's really annoying, and so illogical. How can you go overdrawn within the same day?

Are you still an employee, because if you are you need to edit out your details for your own safety, and give Dave or Bankfodder a PM to let them know.

A warm welcome to you Dave to the CAG!

 

Crusher

[Harley Burrell]

Hi, I am extremely interested in your case and will be monitoring your response. I have a jount account, myself and my husband both have savings accounts each and a business account each. Due to Lloyds (without masks) we do not have a good credit rating anymore and therefore cannot open a 'parachute account'. This means, I think, that it would be dangerous for me to take them on. Do you have an opionion on this?

[HSBCrusher]

Have you tried to open an account?

There are basic accounts (no cheque book etc) that most people can open up, it's rare for someone not to be able to get a bank account.

[mrincredible]

Great thread, excellent advice on all counts, particularly Red Dave! I'm in the early stages (awaiting statements after sending SAR) to Lloyds, and from what I've read on the forums, they are one of the most stubborn banks to deal with!

 

Glad you managed to get a settlement, HSBCrusher - Nice one!!

 

[HSBCrusher]

not as stubborn as some I can tell you!

[HSBCrusher]

OK.

 

Just found out that lloyds have just taken another £95 yesterday.

Gloves off time.

 

prelim going off tomorrow.

ggggrrrrrrrrr:mad:

 

CRUSHER

[remus]

Hi Crusher, not as stubborn as some I can tell you! :grin:, you were saying:D

There all the same and getting worse:rolleyes:

[HSBCrusher]

OK, added up since January, £130.

typing up prelim as soon as I finish this sente...

[CCard]

I have a court date set for 14 June 07 against Lloyds Bank.

 

I need to get my Court info ready - The solicitors say that I havent taken into account some refunds that have already been made over the years -

 

Does anyone know if its ok to change the claim amount prior to the court hearing?

[remus]

Hi CCard,

Welcome to the forum:)

 

First you need to start your own thread, so your questions can be answered (back to Lloyds top left corner new thread).

 

When you say the solicitors who do you mean?

Is it your solicitor? if that was the case, they should be able to tell you that you need to fill in N244 amendment to claim.

You can't just change it.

 

Start reading as much as you can, http://www.consumeractiongroup.c o.uk/forum/faq.php

 

And here is the N244 http://www.hmcourts-service.gov.uk/c.../n244_0400.pdf

 

Hope this has helped,

 

Happy claiming:)

[HSBCrusher]

the last post in this was 2007!

 

well, now the oft debacle is over, and the dust has settled, I think its time to take the fight back to Lloyds.

 

This reminds me somewhat of the early days, I'll need a new letter, and a new POC. Lets see where this goes eh?

 

The Consumer Forums - FAQ - The New Bank Charges Position

[JGJ]

HSBCrusher,

 

I currently have two claims in the court system awaiting to amend my POCs, I had a pretty torrid time with the banks Barrister who turned up to gloat, as it was the day that the Supreme Court handed down to court their decision re the bank charges etc. It was a good job I had already had sight of and read the decision that they had handed down The banks barrister seemed to be rather amazed when he was told by me to foxtrot oscar after he was most insistant that I had to discontinue with the claims as there was absolutely no chance of a decision now. The DJ asked if I wanted to re amend my pocs on the day but I went for the further options and asked for further time to seek legal advice and await further legal developments, he promptly granted my request and reserved costs that the bank wanted to claim.

I put in a further request for added time for legal advice at a later date and that again was granted by the DJ.

 

However with this site and the team behind it I have great faith in the knowledge that you will give them a bloody good fight to which I add the final immortal words, Exterminate!! Exterminate!! Exterminate!!

 

 

 

"EXEMPLO DUCEMUS"

[HSBCrusher]

I dare say you have something from Lloyds telling you the charges are proportionate to their costs or something similar? If you have, look at the link I have posted.

[Goldlady]

Hi, we have received the standard letter saying that the charges cannot be assessed for fairness under the UTCCRs giving us until the 9th of March to respond before our file is closed. We have not issued a court claim but do have past correspondence with LLoyds in which they state that the charges represent a "fair charge for a banking service that is valued by our customers" and in another letter they state "Like any business, we do have to make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service...... These are not default charges because you haven't broken your agreement. These are our prices for the service we provide in these situations."

 

So they have more or less said that the charges represent the cost of the admin involved and I shall be writing back to say we don't want them to close the file thanks! Any thoughts before I do respond?