Dave Thorp's Blog » Lloyds TSB http://www.dave-thorp.me.uk The musings of Dave Thorp Fri, 14 Oct 2011 11:53:21 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 It’s Here!!!!!!!!!!!! http://www.dave-thorp.me.uk/2007/07/12/its-here/ http://www.dave-thorp.me.uk/2007/07/12/its-here/#comments Thu, 12 Jul 2007 11:14:07 +0000 Dave http://www.dave-thorp.me.uk/?p=235 Finally my cheque from my court case with Lloyds TSB has arrived. Nearly two months after I get judgement I have finally been paid.

Just waiting for them to remove the default notice from my credit file now

]]> http://www.dave-thorp.me.uk/2007/07/12/its-here/feed/ 0 Finally it’s nearly over http://www.dave-thorp.me.uk/2007/06/19/finally-its-nearly-over/ http://www.dave-thorp.me.uk/2007/06/19/finally-its-nearly-over/#comments Tue, 19 Jun 2007 10:58:44 +0000 Dave http://www.dave-thorp.me.uk/?p=223 Well it looks like Lloyds have paid up. Just got a letter from the court today saying:

“A cheque for £200.32 has been received today. This amount will be forwarded to you after clearance of the cheque by the Court’s bank”

The letter was dated 14th June 2007 so by my reckoning it should clear today if they banked it when it was received so hopefully a cheque will be on the way soon. Quite why SCAM or Lloyds couldn’t send the payment direct to me rather than through the court is beyond me however….

IT’S NEARLY OVER!!!!!!!!!!!!!!!!!!!!!!

]]> http://www.dave-thorp.me.uk/2007/06/19/finally-its-nearly-over/feed/ 0 Still no money from Lloyds http://www.dave-thorp.me.uk/2007/06/09/still-no-money-from-lloyds/ http://www.dave-thorp.me.uk/2007/06/09/still-no-money-from-lloyds/#comments Sat, 09 Jun 2007 11:35:09 +0000 Dave http://www.dave-thorp.me.uk/?p=217 Well Lloyds still haven’t satisfied the CCJ I hold against them

Anyone would think that this debt of £200 is causing them major financial difficulties which as they are a bank is more than a little worrying.

In the meantime Stuart needs a new pram which we can ill afford until Lloyds pay up. So Lloyds, you are depriving a 7 month old little boy of a pram. Or at least one with brakes that work. Shame on you!

Anyone outraged at this should write to their local branch of Lloyds TSB. Or failing that try clicking on some of the ads on this site and hope google pay enough for a new pram.

]]> http://www.dave-thorp.me.uk/2007/06/09/still-no-money-from-lloyds/feed/ 0 Oh dear… Lloyds have missed their deadline http://www.dave-thorp.me.uk/2007/05/29/oh-dear-lloyds-have-missed-their-deadline/ http://www.dave-thorp.me.uk/2007/05/29/oh-dear-lloyds-have-missed-their-deadline/#comments Tue, 29 May 2007 17:36:27 +0000 Dave http://www.dave-thorp.me.uk/?p=209 Lloyds have failed to pay me the money owing under the CCJ I have against them by the deadline ordered by the court.

Which can only mean one thing. Time to send in the bailiffs. Well tomorrow morning anyway!

]]> http://www.dave-thorp.me.uk/2007/05/29/oh-dear-lloyds-have-missed-their-deadline/feed/ 0 Four and a half hours til it’s bailiff time!!!! http://www.dave-thorp.me.uk/2007/05/29/four-and-a-half-hours-til-its-bailiff-time/ http://www.dave-thorp.me.uk/2007/05/29/four-and-a-half-hours-til-its-bailiff-time/#comments Tue, 29 May 2007 11:27:21 +0000 Dave http://www.dave-thorp.me.uk/?p=205 Well still no cheque from Lloyds TSB for the CCJ I currently hold against them and today’s post has been. The following fax went over to their solicitors an hour ago

xxxxxxxxxxxxxxxxxxx
Ribbleton
Preston
xxx xxx

29th May 2007

Claim Reference 6XRxxxxx

Dear Sir/Madam,

Balance owing £200.32 to be paid by 4PM today

I write regarding the above referenced claim in which I received judgement against your clients to the sum of £200.32. As per the order from District Judge Turner this sum is due to be paid by 4PM today. I have not as yet received a cheque or any other indication of how your clients intend to pay this outstanding CCJ.

Should your clients fail to pay the sum by the deadline given in the order I will not hesitate in applying to the court for a warrant of execution to send bailiffs to the Lancaster Rd, Preston branch of your clients' business in order to recover the money owing to me or sufficient goods to be sold at auction to pay the balance of the CCJ. I have already prepared the warrant of execution form for filing with the court and this form will be filed at 10am on Wednesday 30th May 2007 if payment is not made as ordered. The filing of this form could add further costs onto the balance of the CCJ.

As a cheque will no longer reach me in time I will accept payment of £200.32 to be made by CHAPS same day clearing to my current bank account the details of which are:

Bank name: Yorkshire Bank
Account Name: Mr D J Thorp
Sort Code: xx-xx-xx
Account Number: xxxxxxxx

I also remind you that the CCJ also requires your clients to remove the default notice they registered in relation to my account with them. I require you to confirm with myself when this has been done.

Should you wish to discuss any aspect of your clients paying the balance of the CCJ with me please do not hesitate to call me on 07707707xxx leaving a voicemail message if there is no response.

I look forward to receiving full payment of the balance owing on the CCJ and hope I am not forced to send bailiffs to recover the money owing to myself.

Yours Sincerely

Mr D J Thorp

So Lloyds’ only hope to stop the bailiffs now is to make a same day CHAPS deposit to my current account. Cos we can all see that happening now can’t we??

]]> http://www.dave-thorp.me.uk/2007/05/29/four-and-a-half-hours-til-its-bailiff-time/feed/ 0 It’s not looking good for Lloyds http://www.dave-thorp.me.uk/2007/05/28/its-not-looking-good-for-lloyds/ http://www.dave-thorp.me.uk/2007/05/28/its-not-looking-good-for-lloyds/#comments Mon, 28 May 2007 12:47:23 +0000 Dave http://www.dave-thorp.me.uk/?p=203 Lloyds TSB have until 4PM tomorrow to pay up the money they owe me as per the court order. If they don’t….. I’ve already got my warrant of execution form filled out ready to hand in on Wednesday should I have to.

The best news is that I can (and am) instruct the bailiffs to visit anywhere Lloyds TSB carry out business. So sending them to my local branch. I just hope I manage to get wind of when they are going as it will be fun to turn up with cameras and possibly some press to watch the show :>

]]> http://www.dave-thorp.me.uk/2007/05/28/its-not-looking-good-for-lloyds/feed/ 0 Got my court order http://www.dave-thorp.me.uk/2007/05/23/got-my-court-order/ http://www.dave-thorp.me.uk/2007/05/23/got-my-court-order/#comments Wed, 23 May 2007 21:20:51 +0000 Dave http://www.dave-thorp.me.uk/?p=201 Court order dropped through door today giving Lloyds TSB til 29th May 2007 to pay me £200.32.

If they don’t…. it’s bailiff time…. which could be fun!

]]> http://www.dave-thorp.me.uk/2007/05/23/got-my-court-order/feed/ 0 And it’s round one to me http://www.dave-thorp.me.uk/2007/05/15/and-its-round-one-to-me/ http://www.dave-thorp.me.uk/2007/05/15/and-its-round-one-to-me/#comments Tue, 15 May 2007 11:30:58 +0000 Dave http://www.dave-thorp.me.uk/?p=199 Victory achieved against lloyds TSB today. Didn’t even have to do anything to prove my case.

Judge ordered payment of the difference between my closing overdrawn balance and the charges taken plus interest on that balance (approx £192). Also awarded travel costs of £3 and Lloyds ordered to remove the default notice against my account.

Watch out Hg Telecom because you’re next!

]]> http://www.dave-thorp.me.uk/2007/05/15/and-its-round-one-to-me/feed/ 0 It’s Court Time http://www.dave-thorp.me.uk/2007/05/15/its-court-time/ http://www.dave-thorp.me.uk/2007/05/15/its-court-time/#comments Tue, 15 May 2007 08:22:41 +0000 Dave http://www.dave-thorp.me.uk/?p=197 Well it is in one hour and forty mins. Not expecting Lloyds TSB to bother to turn up so hopefully it shouldn’t take long.

Expect a blow by blow account later

]]> http://www.dave-thorp.me.uk/2007/05/15/its-court-time/feed/ 0 Three days to court http://www.dave-thorp.me.uk/2007/05/12/three-days-to-court/ http://www.dave-thorp.me.uk/2007/05/12/three-days-to-court/#comments Sat, 12 May 2007 14:46:40 +0000 Dave http://www.dave-thorp.me.uk/?p=195 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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