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topcat72 Vrs Lloyds


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i managed to get all my charges from online statements so didnt have to go through the DPA procedure.

 

my demand letter was sent on 28 February, and now im just waiting for them to reply.

 

ive got to say, this website has been very helpful, and provided a lot of useful information. ive recommended it to everyone i work with and will continue to post updates of my progress.

 

and no doubt ask a few questions too!!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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i put it in the letterbox of my branch by hand so i know they got it!!!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Good luck with your claim

:p

______________________________________________________________

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

If I have been helpful click the scales

 

SAR sent 18/12/06

Statements received 02/02/07

Preliminary Request sent 05/02/07

Standard ‘No’ letter received 15/02/07

LBA sent 16.02.07

NO RESPONSE

Court Claim sent off 05/03/07

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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No doubt you will receive your first acknowledgement this week, standard "sorry to hear that you are not happy with our service ....blah blah", I presume that you gave them 14 days to respond, in which case when is that deadline?

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yup i gave them 14 days to reply, this runs out on 14/3/07.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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just a quick question.

 

as the information i have obtained for my charges is available online, i have used this method of working out how much they owe.

 

but, if i end up filing court action, what is needed to support the claim? do they want full stataments showing all transactions including the charges?

 

the online banking allows you to go through your statements and just select the charges, which is what i did, and i have these web pages saved. are these sufficient for starting court action?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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These should be sufficient (but printouts of the whole statement page showing the charges and normal transactions might be better) but please note that you normally don't submit them to the court until about 2 weeks before the final hearing of your case.

If in doubt read the

FAQs

 

If still in doubt - ask!

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thats ok, i was just making sure i had as much information in the right format as soon as possible.

 

helps to be prepared!! makes life much simpler later on.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi Topcat again, just enquiring after your preliminary letter and subsequent question regarding statements, did you include with your letter to the bank a schedule of charges?, i.e. a list, which you compiled of all unpaid direct debits and standing order charges and overdraft excess fees (if applicable). It might be helpful to you if you could have a one page list to hand, rather than at this stage lots of statements. sorry if you have already done this, it just wasn't clear from your post.

I know that you have mentioned the bank's online facility, but if you check the "sticky's" i.e. the very top postings in the bank template library (only avail when you have signed in) there are spreadsheets avail for you to list your charges which you want to claim back from the bank.

And when you get to the stage of taking further action with the court (unless the bank pays out first ha ha ha ha ha) these spreadsheets can help you to work out the interest (but I wont complicate matters at this stage!)

If you need any help or clarification just shout!

regards Red

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yup i included the spreadsheet of charges with my original letter.

 

ive got the sheets filled in, both without interest (for my prelim demand) and with, for the later stages.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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yup, thats exactly why i did it.

 

i did a load of reading on here and ltsb tactic seems to let it get to court stage so might as well be ready from the start.

 

and nope, still no letter from them.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Well top cat from my experience with Lloyds it would appear that depending upon the amount you are claiming as to when they settle. If that helps. My first claim for a few thousand went on for 3 months until almost the last day before court. My second one got settled two days after I applied to the court, although this one was for about £750. My current claim is for another account and is up in the thousands again and I am past court allocation and onto the final hurdle.

This may be a rough estimate to help you with your claim!

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my claim is for £855.

 

and yes, the letter is in an envelope ready to go (dated tomorrow of course!!) to the post office to be sent recorded delivery.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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And so the next count down begins!

Lets hope that with the amount that you are claiming TopCat that you will be able to have the money refunded over the next 6 weeks or so!

Next decision to ponder over the next 14 days is whether to apply directly to your local court or to moneyclaim online!

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i think ill be applying direct to local court as i work across the road from it.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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LBA sent recorded delivery to day.

 

one step closer.

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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Hi TC, you are on the ball regarding your claim, good to see, shame that Lloyds are not so! As you say one step closer.:) .

Seems to be wise to visit your local court for your claim, seeing as you are so close, and keep us posted!!

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LBA sent today recorded delivery.

 

Getting there, slowly!!

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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ignore previoius post, got no idea why i posted this again :o

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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just a quick question.

 

i posted my LBA on 14/3 recorded delivery. but there is not sign of it being delivered as of today.

 

should i send another LBA (plus schedule) or should i assume that its been received and royal mail have made a mistake, and hold the bank to the original deadline?

In progress: v Citi : Account in Dispute, have heard nothing from them for over a year http://www.consumeractiongroup.co.uk/forum/showthread.php?345628-Topcat72-v-Citicards

 

*WON** V Barlcaycard PPI : Settlement offered after FOS involvement http://www.consumeractiongroup.co.uk/forum/showthread.php?346664-Barclaycard-PPI-Question&p=3799906#post3799906

 

** WON ** v LloydsTSB : £1100 http://www.consumeractiongroup.co.uk/forum/showthread.php?72551-topcat72-Vrs-Lloyds

 

** WON ** v Capital One : £215.00 fast track http://www.consumeractiongroup.co.uk/forum/showthread.php?336247-Fast-Track-Claim&p=3702166#post3702166

 

** WON ** v Barclaycard : £1080 http://www.consumeractiongroup.co.uk/forum/showthread.php?324024-Barclaycard-Visa-First-Steps-Advice-Needed/page2

 

** WON ** v LloydsTSB PPI : £4100

 

** WON ** v Citi PPI : £1500

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