** WON ** Court Claim - lowell / Lloyds - 5-9-2014 - DISCONTINUED

[angel198081]

Re: Court Claim - lowell / Lloyds - 5-9-2014

I'll dig out and scan the statements I have here.
Shall I email them over to you?

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Please

I'll keep an eye out

I still think a SAR request is a good idea too to see whats gone on since those letters in 2008.

[angel198081]

Re: Court Claim - lowell / Lloyds - 5-9-2014

I've Inboxed
Re bW legal response to cpr request.
Is there a link to the SAR request please

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

http://www.legalbeagles.info/forums/...ection-Act-%29

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Standard response from them on the CPR request so no worries there xx

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

I haven't had the statements on email that I can see yet Angel xx

[angel198081]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Should be there now Amethyst

I haven't had the statements on email that I can see yet Angel xx

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Got them thank you.

Looks like the main issue since Jan 08 was a Littlewoods Direct Debit kept being called for and bouncing.

Do you recall trying to stop that DD at any point ? or did you make the reasonable assumption that when they closed down your account in January 2008 that meant all DD's would have been cancelled also ?

October 07 when the account was running okay you can clearly see the effect of the charges on your finances, hopefully the SAR will fill in the missing bits - would be good to have from around June 2007 to Jan 2009 really.

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Just to show what I#m taking about for others.

JANUARY 2008


but then .....

APRIL 2008 (and again JUNE/JULY/AUGUST)

[angel198081]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Im really not sure how the direct debit continued to go.
And to be honest some of the statements ive sent you Id never opened since not using the account.

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Looks like a minimum payment for Littlewoods account caused a shedload of problems but the DD should have been cancelled in January when they shut down your account.

[angel198081]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Yes that spiralled out of control too. 1

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

The charges have a knock on effect,not many people can take a hit of £230 in a month on bank charges and recover ! xxx

What's happening with Littlewoods now ?

[angel198081]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Nothing it apparently defaulted on Oct 2010. Never heard anything regarding it from Lowells although they report it on credit report, Unlike the lloyds one they have never reported about x

[Amethyst]

Re: Court Claim - lowell / Lloyds - 5-9-2014

Just some notes


The claim is for a Lloyds Bank Plc current account opened in/about XXXXXX

The claim is made up primarily of overdraft charges and interest thereon.

The claimant has failed to send the defendant any documents. ( agreement, terms, terms as varied)

Terms and Conditions of the account

Have asked for full SAR from Lloyds to get full details of transactions and how the account has increased to current amount claimed.

Statement of the account as last disputed balance was £3474.83

January 25th 2008 letter from Lloyds closing the account 'to prevent your account balance from increasing all facilities have been blocked'

Lloyds left DD's live which seem to have continued incurring charges despite a/c being closed.

October 2007 - £230 charges