Thread: Court threats

I am so sorry for being so dim re bank charges, but I am up in the air at the moment & dont know where to turn. The Lloyds are chasing me for 3 A/cs Credit card which I do owe & the other I owe is my loan. I will pay them when they refund the charges on my debit A/c which they are also chasing me in the amount of £1300 all of which are charges plus all the other charges they've taken. I sent them a letter with all the usual blarb about being on benefits & tried to claim through financial hardship for the amount of £2,700 whch got knocked back. Thet havent hassled me up until the OFT outcome in Nov, now I'm being threatened with court action & getting solicitors letters. I've being reading about a bundle someone sent in re witness statement, (which I cant find what No in the templates library is it & what other docs do I need. Nothing is with the courts yet, although I've being writing to the bank now for over 1 year. Is it too late now & what do I do about the court threateners, is the new template ready so I can put it into dispute again. Do I have to go to the courts with it & if so what do I have to take in.