Dave Thorp's Blog

Well its just three days now until I’m in court against lloyds TSB. Anyone wanting the full story can get it from that link but here are the highlights:

Late 2005/early 2006 saw me abandon my account with Lloyds TSB as it had got to being £312.83 overdrawn, while my overdraft limit was only £50. This was mainly due to the lovely charges that I’m sure everyone has been hearing about in the press. I did write to Lloyds TSB in December 2005 requesting a refund of charges though this was met with flat refusal.

17th October 2006 I receive a county court claim pack with Lloyds claiming the full closing overdrawn balance of £312.83. I commence what will be a very long process and request copies of my statements.

12th November 2006. Receive statements. After calculating charges and interest turns out Lloyds owed me £225. Submit defence and counterclaim to court.

31st January 2007 Hearing set for 10:00 on 15th May 2007.

Since I defended and counterclaimed oddly enough Lloyds and their Solicitors (called Sechiari Clark and Mitchell which aptly shortens to SCAM) have been very quiet (silent in fact). Should this go to trial which is looking very likely now lloyds will owe me:

• £245.02 in charges and interest (after their £312.82 is deducted)
• My costs in my time and printing costs etc. Normally costs wouldn’t be awarded in a small claim but I will be arguing that Lloyds have behaved unreasonably and as such are liable for costs
• Removal of the inaccurate default notice they have registered with my credit file and compensation for this notice

Ah well should be rich anyway after next week…. providing I win and they pay up of course.

Then I’ve got my case with my former phone company (best not mention their name as they don’t like people talking about them on public forums, lets just call them Hg Telecom). That’s going to be even more fun as they added £90 of penalty charges for a bounced direct debit of £20, disconnected my phoneline without any warning, and breached their terms and conditions. No hearing date for that one though.

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This entry was posted on Saturday, May 12th, 2007 at 2:46 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.