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

[Amethyst]

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

Any chance angel you can scan/photo the N180 form you have had from the claimants pls.

Have you had any other response to your defence from them at all ?

Just a note for me...

11. The balance on the account at that point was approximately £3200 and the Defendant was in dispute with Lloyds Bank Plc over the charges and fees being applied to the account as she considered the charges to be unfair. The Defendant reasonably thought the account was closed from that point and their would be no more charges added to the account nor further transactions processed.

12. Despite the 'block' on the account and the disputed charges the Bank continued to allow Direct Debits to be called for from the account each month which simply served to incur more charges which continued despite the Bank having blocked the Defendants access to the account.

http://www.legalbeagles.info/forums/...670#post477670

[angel198081]

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

Will try and scan now

No response about defense or CPR or SAR x

[Amethyst]

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

Ok - have they added any directions or is it mainly blank? have they ticked mediation ?

[angel198081]

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

Sent via email
Blank mainly
Yes-Mediation

[Amethyst]

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

Got it Thank you.

They haven't put much effort into that have they.

Our defence is still on the Stat Barred basis primarily isn't it.

I'll come back to you tomorrow.

[Celestine]

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

subscribing x

[angel198081]

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

Yes i believe it statute barred
Thanks

[Amethyst]

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

Just a bump to look at the N180, and the SAR stuff on the stat barring and charges angles.

[Amethyst]

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

Transaction list july 07- oct 2009

Routeraccount July 08-debt sale 20-10-11

Statements from 2001

Last Payment shown as August 2007


Okay what transactions have been on the account since August 2007 until it was sold in October 2011 ?

[angel198081]

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

Transaction list is from july 08 sorry my mistake

[angel198081]

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

Customer Contact show Mail Out only from 04 Jun 07

[angel198081]

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

Last payment salary in 28.08.07
Any payments after this were bounced cheques/direct debits going back in the account

[Amethyst]

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

We've got those on this thread already haven't we ( the littlewoods DD )

[Amethyst]

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

any terms of the account or agreements ??

[angel198081]

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

The majority of contracts we hold between the bank and customers are not held in relevent filing systems and therefore not subject to the right of SAR
Before Nov 2nd 2007 we did not have full written terms and conditions governing current accounts.......governed by common law
Even though you didnt have written T & Cs you still had a binding legal agreement .
Then it goes on about if you requested a payment they would give you an unplanned overdraft and write to tell you.
This is just a letter dated 14.11.14 attached to SAR pack