Wp Vs Lloyds Bank - **WON**

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You can see mine from my reload vs Lloyds thread - link is in my signature.

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You can see mine from my reload vs Lloyds thread - link is in my signature.

 

Edit:

I have a contract with Lloyds TSB Bank PLC, conducted on their standard terms and conditions. I am claiming return of money taken by the defendant in the way of charges over the last 4 years, totaling £2225. The charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. I claim interest under section 69 of the county court act 1984 at the rate of 8% a year from (01/07/2002) to (22/05/2006) of £328.11 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%. I therefore claim a total of £2553.11 (£2225 + £328.11 interest).

 

If, as you say, you just put your account number, "claim for unlawful bank charges" and the 'interest bit' I'm not entirely surprised you got the response you did. Please, please, be careful when making your claim.

[wp]

here goes after reading reloads i 2 am not surprised by the response from their solicitors:::

 

 

request for unlawful bank charges to be

returned.

sent two letters requesting but refused .

ref with lloyds BHAM/DJ/CC/878893

The claimant claims interest under section

69 of the County Courts Act 1984 at the

rate of 8% a year from {date when the money

became owed to you} to {the date you are

issuing the claim} of £ {put the amount}

and also interest at the same rate up to

the date of judgment or earlier payment at

a daily rate of {enter the daily rate of

interest}.

[wp]

i have also realised exactly wat i have done wrong as well (wot a muppet i am)

[wp]

here goes a little cheeky i know but it is worded so well thought it would be a shame to change it........

 

I have a contract with Lloyds TSB Bank PLC, conducted on their standard terms and conditions. I am claiming return of money taken by the defendant in the way of charges over the last 6 years, totaling £400. The charges are a disproportionate penalty and therefore unenforceable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Contracts Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I have repeatedly asked the bank to justify their charges but they have declined to do so. I claim interest under section 69 of the county court act 1984 at the rate of 8% a year from (30/05/2000) to (01/09/2006) of £120.25 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 8%. I therefore claim a total of £400 plus interest of £120.25 which equates to a total of £520.25

Below is a list of all charges from these dates

 

 

30 may 2000 £10.00 £4.36 interest

28 july 2000 £10.00 £4.25 interest

30 aug 2000 £10.00 £4.18 interest

02 may 2001 £10.00 £3.69 interest

16 may 2001 £10.00 £3.66 interest

23 may 2001 £10.00 £3.65 interest

04 june 2001 £10.00 £3.62 interest

02 july 2001 £10.00 £3.56 interest

10 sep 2001 £27.50 £9.42 interest

09 sep 2001 £52.50 £17.36 interest

10 dec 2001 £25.00 £9.29 interest

09 jan 2002 £25.00 £7.96 interest

01 feb 2002 £25.00 £7.84 interest

01 mar 2002 £82.50 £25.43 interest

02 apl 2002 £27.50 £8.30 interest

01 jul 2005 £25.00 £2.11 interest

01 sep 2005 £30.00 £1.57 interest

 

total £400.00 £120.25 interest.

 

total £520.25

 

 

is this enough ...

 

i emailed moneyclaim and they said when i get my allocation questionare i can update it then.

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Looks fine wp - sorry if I came across a bit short in my last reply, but you really MUST be careful when filing a Moneyclaim - and generally speaking, by all means follow the guides and letters laid out on this forum but remember to pay attention!

 

As for the Particulars of Claim though, there is a draft copy in the templates library - which is pretty much exactly what mine is. You really should have spotted that

[wp]

thanks for your help i have scoured this sight for about 6 weeks now must have just missed it..

[Janet-M]

claim interest under section 69 of the county court act 1984 at the rate of 8% a year from (30/05/2000) to (01/09/2006) of £120.25

 

why are you claiming interest for 1/9/06 when we are only in June ?

[wp]

good spot .thanx

[wp]

just recieved my allocation questionannaire--any suggestions on wat to put in sect g as i dont want to cock that up either...

[Michael Browne]

There's a guide in the library here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html

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There's a... damnit, away for an hour and I miss one!

[wp]

lol thanx

[wp]

they caved ,thanx people

[barracad]

Congratulations!!

 

Brilliant news.

 

Please complete our bank charges survey.

 

And a donation would be greatly appreciated.

[Janet-M]

CONGRATULATIONS

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Congrats WP

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This topic was closed on 10 March 2019.

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