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Re: Lloyds Overdraft and Lowells/Court
Thank you StevemLS, so does this mean a CCJ do you think ?
Thank you StevemLS, so does this mean a CCJ do you think ?
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Re: Lloyds Overdraft and Lowells/Court
Yes please (just incase we need to amend if negotiation doesnt work out)
Steve - hopefully that's not what the court will tell us tmw, I don't think BW legal are that organised to be honest so they probably just haven't got around to replying, or don't even realise it is an overdraft either. THE POC is quite shoddy really - it's their usual ** INSERT WORD HERE *** style.#staysafestayhome
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Re: Lloyds Overdraft and Lowells/Court
Also I do not agree the charges btw added on topComment
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Re: Lloyds Overdraft and Lowells/Court
Ok thanks Amethyst xComment
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Re: Lloyds Overdraft and Lowells/Court
Was the balance made mostly of charges, or why did you say you did not owe the money?Originally posted by Bosh View Post
When did you submit your defence? Unless you agreed an extension, it would have been no later than 33 days from that date, i.e. the fist week of May. They should have responded to the court within 28 days saying whether they wish to proceed with the claim or not. :decision:Originally posted by Bosh View Post
Not necessarily. One way to avoid a CCJ would be via a Tomlin Order, whereby the claim is stayed as long as you make the agreed payments. :thumb:Originally posted by Bosh View Post
Sadly yes, it would be too late now you've submitted your defence and, given the amount claimed, the case will very likely be allocated to small claims where Part 31 does not apply.Originally posted by Bosh View Post
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Re: Lloyds Overdraft and Lowells/Court
Agree Tomlin Order could be helpful.
Bosh - can you afford to pay it if judgment is entered against you? It only gets registered if it remains unpaid a month after settlement.
Have you got statements of account, again, it may be too late now but if you have what used to be the standard £25ish charges, you might be able to get that reduced.Comment
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Re: Lloyds Overdraft and Lowells/Court
Okay I have a copy of the defence, it's not fatal, totally, lol, but its not the greatest
I'll post it up later once I've anonomised it. Understandable how you got confused with the CCA as it is only Part V that doesn't apply to overdrafts so although they state in the POC it is an agreement regulated by the CCA they are also correct in saying section 77-79 don't apply with regards your request for copy agreement. Anyway, not to worry, I think it reflects poorly on the claimants tbh because its same POC as every other claim with ''Current Account'' sloted in the relevant place.
Let me know what the court say and we shall go forwards from there.#staysafestayhome
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Re: Lloyds Overdraft and Lowells/Court
Bosh - which Lowell 'lawyers' are handling this? BW Legal or Brian Carter?"Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012
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Re: Lloyds Overdraft and Lowells/Court
Hi Steve, no I'm not in a position to pay if the judgment is made, I am currently a carer. Yes I have some statements of account which run from 2004- 2006 and the charges are £619. There are possibly more within the history of the account !!!Originally posted by stevemLS View PostComment
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Re: Lloyds Overdraft and Lowells/Court
It is BW legal CelestineComment
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Re: Lloyds Overdraft and Lowells/Court
Thanks Ameythst. will let you know what the court says laterComment
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Re: Lloyds Overdraft and Lowells/Court
Handy :tinysmile_twink_t2:"Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: Lloyds Overdraft and Lowells/Court
Yes, but what was the rate charges were racking up at - was it £25ish per default or £12?
I can't remember the circumstances in which the £25 charges, which were pretty standard, were declared to be excessive, was it OFT or litigation - I'm sure someone else will remember - but if they were at the "excessive" levels, that might give you an additional negotiating tool?Comment
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Re: Lloyds Overdraft and Lowells/Court
Unfortunately the OFT ruling regarding £12 default fees only applied to credit cards etc, not overdrafts.
Sadly the OFT lost the test case against the banks, so these charges are not deemed unfair technically. Morally....is a whole other story."Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012)
I am proud to have co-founded LegalBeagles in 2007
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Re: Lloyds Overdraft and Lowells/Court
Hi Guys,
I have just rang the court (after waiting in a queue of 15 in front of myself) and I got through to a person called John. He was very nice actually. I asked what the status of the claim was at this stage and he said that Lowells attempted judgment on 6th May and IT FAILED !!! because of the defence. The account has now been "Stayed" and they have heard nothing yet from the claimants Lowells. If they do have it lifted then I will receive a directions questionaire. John also said that if I hear nothing then its good news but ring them in approx one month.
I wonder what Lowells are up to ??? Any advice guys ????Comment
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