Think i've made a big mistake ** WON**

[shazzad]

Hi everyone

This is my first post so not sure if done it right. Its probably gone to the completely wrong place, then I will be really stuffed!

I have issued a claim with Lloyds TSB, they filed a defence and it has been transferred to my local court.

I have been told by my local court that I will not get an allocation questionnaire, I will recieve a date for a preliminary hearing. Has anyone else been told this.

I really need help here as I am getting really stressed out with Lloyds TSB.

Thank you in advance

[jaym1000]

Hi

Don't panic. That's what they are hoping will happen and you will back out. Stand firm, take your time and try to prepare properly. We have a Prelim hearing in Cambridge on 30th July. Hopefully we will both receive a settlement before court.

Good Luck

Jay

[BARTY]

Hi
This link should help:
http://www.consumeractiongroup.co.uk...ate-guide.html

Good luck, let us know how you get on.
Barty

[shazzad]

Thanks for that would you let me know what kind of preparations i need to make. Good luck with yours, let me know how you get on.

Sharon

[nicsussex]

Originally Posted by shazzad

Thanks for that would you let me know what kind of preparations i need to make.

Follow the link that Barty has supplied above - as a matter of interest what are the details of your claim? Amount etc.?

[jaym1000]

Hi Sharon

Have you received a court date yet ?

Where will you be going to court ?

My date is for the 30th July but have not had any contact with Lloyds or SC&M yet. I haven't had a goodwill payment yet like many others have either. Have you ?

Good Luck

Jay.

[shazzad]

No I have heard nothing from the courts (stoke-on-Trent) about a date for the prelim and not a peep from SC&M. No offer of goodwill payment either.

I am worried because my claim is over £5,000, the total amount is £5424.44 and I am hearing about these fastrack things which I really could do without, I would prefer small claims. Also I think i have made a big mistake because I naively started this ages ago and didnt realise that you cant claim the normal overdraft interest which I have tried to claim. I didnt claim the 8% interest though because I wasnt sure how to work it out (although i do now).

Do you think it might get struck out? I wish I knew then what I know now.

Any more developments with you?

good luck

Sharon

[shazzad]

I really need advice.

Started a claim a while ago against Lloyds. A friend gave me copies of the letters so I sent them all off. i am waiting for a date for a prelim hearing at the moment, but the problem is I have tried to claim charges that I now know after reading stories on this site) that I cant claim.

I put all charges, including the normal overdraft charges, I had an agreed overdraft and I have put all charges in the claim (ouch). I did not however claim for the 8% interest that I understand now that I could have claimed.

Any advice would be appreciated, dont know whether to just cancel this claim and start a new claim, but I will lose £250 court fees that I paid because my claim is over £5,000.

I really wish I had visited the CAG site months ago.

Help

Thanks

sharon

[nicsussex]

What proportion of your claim is made up of O/D interest?

[Titch28]

From what I've read you can amend a claim, but it'll cost you £35.00.

[Champnos]

I would advise producing a new accurate schedule of charges using the advanced spreadsheet, if the dirrerence is significant then you will want to send in an amendment costing £35, you can find it in the bank templates, im sure someone will link it up for you if need be.

[shazzad]

Thanks to you all

i will have a look at the schedule of charges and let you know how much.

i take it if its a considerable amount, then I would be best ammending my claim.

thanks again

Sharon

[shazzad]

Originally Posted by nicsussex

What proportion of your claim is made up of O/D interest?

The interest that I have tried to claim is £342.94.

Would you suggest that I do an amendment? My total claim including costs is around £5,400.

Thanks

Sharon

[christinajanep]

it is quite alot so i would suggest u do, it will delay it but better than getting it thrown out hey

[sea-sidelady]

you should find this useful...

http://www.consumeractiongroup.co.uk...on-notice.html

[BARTY]

Hi
Have you had their defence yet? Was it mentioned on there?
If it was me I would not amend your claim, all Lloyds will do is knock off the o/d interest when they settle.
Good luck, keep us posted.
Barty

[walkera]

Hi there,

Can you please tell me what the procedure for filing for claims over £5,000?

[shazzad]

Originally Posted by walkera

Hi there,

Can you please tell me what the procedure for filing for claims over £5,000?

Yeah, you just do the same as if it were under £5,000. i filed the claim online, then I think the judge decides whether it goes as small claims or fastrack.

[shazzad]

Would like to thank you all for your good advice.

I have opened the post this morning and I have an offer to settle from SC&M. Could not quite believe it is £200 more than I was claiming back. i just need to sign and send it back to accept it.

I was suprised because I have not even had a date from the courts for the prelim hearing yet.

However, I am trying not to get too excited until the funds are in my account.

Thanks again

Sharon

[shazzad]

Just to let you know that I have had an offer for £200 more than I asked for. I was suprised because I havent had my date for the prelim yet.

Needless to say that I am going to accept the offer, will feel better though when the funds are in my account.

Have you heard anything from SC&M yet? If not I am sure you will soon

Good Luck

Sharon