Please Help

[rosey-789]

Also you know where it says Schedule 1....do i put that in also.

[Michael Browne]

Yes, these are extracts from lloyds T&C's, referred to as Schedule 1 in the POC's

[rosey-789]

Thanks Michael

 

Will do all that now and many thanks for everyones help, it is much appreciated.

[rosey-789]

I've filled in my court claim form, just want to check in the box at the bottom of page page where it says Defendant's name and address, and also Amount claimed court fee etc do i fill these in thanks.

[GuidoT]

You complete the address box with the Lloyd's Gresham Street address.

 

Yes you fill in the 'Amount claimed', you will get the 'Court fee' from here (unless you are subject to exemption or remission), Solicitor's cost are nil and then calculate the 'Total amount'.

[rosey-789]

I've just received this letter about the Bank charges. what should i do now.

 

 

[rosey-789]

Anyone know if i can do anything about this as it looks like they've stayed the case.

[rosey-789]

Hi, is their anything i can do about this or will i have to wait until the test case thanks.

[elsinore]

Hi Rosey.

 

Presumably the letter was from the court in response to your filing a claim recently. If so, then yes, it looks like your case has been stayed.

 

You could make an application to have the stay lifted, but it would be unlikely to be successful as LTSB would contest it.

 

Even if your claim had not been stayed, a listing for hearing would probably be in the new year anyway, possibly after the test case.

 

You have the consolation of knowing that your claim is in the pipeline and will therefore be dealt as soon as the stay is lifted.

 

Els:)

[rosey-789]

I've just received an allocation Questionnaire small claims track form aswell as one for mediation. what should i put down on the mediation form

[elsinore]

Hello Rosey, have a read here for information about mediation.

 

I'm trying to find out more about it and I, or somebody else, will get back to you.

 

Els

[freakyleaky]

Can you let us know what directions came with the mediation form and what the criteria is to enable mediation?

(Does it cost and do both parties have to agree to it?)

[rosey-789]

scan0009.jpg - Image - Photobucket - Video and Image Hosting

 

scan0008.jpg - Image - Photobucket - Video and Image Hosting

 

These are the mediation forms they sent...what should i do.

[rosey-789]

I also got a Defence copy from Lloydstsb who will be defending

[elsinore]

The link I quoted is for the established fee-paying mediation scheme.

 

What you have been offered is a new and relatively untried service which is available to claimants in the Small Claims Court. It’s optional, so you are under no obligation to choose this route.

 

Both parties have to agree for it to be adopted and it’s unlikely that LTSB will agree! You could, of course apply for mediation for that very reason. LTSB would decline and the judge might thus see them in a worse light. You would then proceed with your claim as normal.

 

Or you can decline, stating that, as you have been attempting to engage in meaningful dialogue with the defendant for many weeks, without success, mediation is unlikely to be beneficial.

 

Els

[rosey-789]

Thanks elisnore, i also can't see them agreeing to mediation so i might aswell not go ahead with it.

[rosey-789]

Hi again.

 

Sorry to come back and bother you all again, hope you don't mind

 

I need some advice on what lloydstsb have now told me.

 

I am still paying this money back to them at £5 a month which has been in force for a good while now with the collections part...I have received a letter about this arrangement only to be told by them that they only do short term collections and they can't help me with an arrangement anymore and that next month it will be sent to their other collections department that will be wanting more money from me as £5 a month is no good...they have also told me that they are closing my bank account down next month.

 

I told them i can only pay the £5 i have been paying and can afford no more than that being on income support but they won't have it. i am desperate now as this is really worrying me as to what i can do now. i've ended up having a panic attack as i'm so scared that they'll be adding more and more money on to the account and end up with debt collectors.

 

Would my trying to claim this money back and trying meditation through the courts have anything to do with this happening.

[elsinore]

Take it easy Rosey, it's just LTSB being crass as usual.

 

Just remind me how much they say you now owe them and how much your claim is for.

 

Els

[rosey-789]

I owe now £285 and i owed them nearly £331.34

[elsinore]

Do you mean your claim is for £331.34?

 

Els

[rosey-789]

Yes thats right sorry.

 

 

The women also said to my partner who's account it is that they wouldn't be able to entertain us on the £5 a month agreement anymore unless one of us finds a job. this is an awful thing to say as my partner is on permanant sick due to bad health and heart problems.

[elsinore]

Caring souls, aren't they?

 

You are now in the happy position whereby they owe you more than you owe them!

 

I'll draft a letter for you to send them and post it on here later today.

 

Els

[rosey-789]

Aww thank you so much elsinore I'm worried sick with this now as is my partner, they just don't seem to care at all.

[Michael Browne]

The women also said to my partner who's account it is that they wouldn't be able to entertain us on the £5 a month agreement anymore unless one of us finds a job

And totally illogical (or believeable). You haven't got a job and £5 is unacceptable, but get a job and we'll continue with the arrangement!!

[rosey-789]

The women tried to querie my partner as to why we won't working, Surely our personal circumstances has nothing to do with an arrangement. it's a shame he hadn't asked her name so we could report this.