Last ever question from me I hope!! Is there a template letter to the court advising that I am in receipt of full and final settlement from SC&M? Obviously i won't send this until I receive the funds. . Thanks Matt

Seems i've been a tad fortunate! I received 2 letters from SC&M at the weekend both dated the 16th April (which is one day before i filed my AQ at court). The first letter stated the intentions to defend the claim and that i should contact the bank for a review of my account. The second is marked without prejudice and gives reasons for defending the claim but then states that the bank together with other banks is presently discussing the legal basis for charges with the OFT, the bank can't pre-empt the outcome and the legal costs could easily exceed the amount in issue regardless of who 'wins'. Turn to page 2, and, the bank without prejudice is willing to pay me the sum of £xxxx.xx by way of bank charges and interest if pleaded, plus court fee of £120.00 in full and final settlement of my claim, the total sum will be less the £750 already paid, with conditions: I must agree to maintain my account with the bank within my agreed limits. And again, I must contact the bank for a review of my account. Finally, i must notify the court immediately once payment is received and provide a copy of my letter to the court for SC&M records. All i have to do is sign the letter at the bottom and return to SC&M I'd just like to thank all those that have helped me throughout my claim, this is such a freindly and helpful sight, i'll continue to recommend it to anyone. My donation will be sent once i have received the balance. Thanks again Matt

Thanks GuidoT. I'm going to take the AQ to my county court today and also send a copy to SC&M, On the draft order for directions it states that I will send a schedule of charges, copies of statements etc, basically a court bundle I assume, within 14 days. Will this be 14 days from the date i file my AQ - today, or, will the court advise if and when they are going to accept the draft order for directions and then I will have 14 days from that date? Sorry to be a pain if it seems a simple question for someone. . Matt

Does anyone have SC&M's address please so i can send them a copy of the AQ with the other info and Draft Order for directions. Thanks Matt

I received Lloyds defence today, seems to be a standard 9 point defence, i also received an AQ which i have until the 23rd to return so i'll use the guidelines on this website and take it back in, i assume i should make at least 2 copies of the AQ? I'll keep you posted. . Matt

As usual Barty, Thank you

Just subscribing as i seem to be in pretty much the same position as you, just waiting for Lloyds defence and the AQ to be posted to me by the court. Good luck with your claim! Matt

Bump! Anyone please, do i need to write to Lloyds rejecting the money bearing in mind a defence has now been submited and i have also informed SC&M that i have received £750?? Thanks Matt

I'll keep it in mind Matt

Whilst my thread is being hijacked Could someone please advise on the above?? Thanks Matt

Interesting stuff now!! I checked my bank account and it appears the £750 has been paid in today so i rang the court to tell them, only for them to tell me they have received a defence today, which states i will not be receiving full payment or part of the money as the charges are not unfair etc!! I will receive a copy of the defence soon, my county court are currently a few days behind so it won't be til next week that i get a copy. I was advised to ring SC&M so i did, the young lady told me it's probably due to a cross over, that the office who have paid a goodwill gesture wern't aware that legal proceedings had begun and that 'if' succesful, SC&M will subtract the £750 from the total amount paid. Does this mean i don't need to write rejecting the £750 now that i have informed the court and that SC&M are also aware?

Hi Kelly, I used the London address for my first letter (25 Gresham Street) and then replied to wherever i received a response from. As far as i am aware you will only require 1 signature on the letters, albeit it can't do no harm if you were to both sign them! Also, the credit card is a different agreement and shouldn't affect your claim for bank charges. If i'm wrong i'm sure someone with more knowledge than me will set you straight! Good Luck!

Letter 5 it is then, thanks Barty One more question, where it says: Alternatively, should you wish to settle my claim in full, then please forward the balance of the claim (£xxxx) without further conditions and I will inform the court that the claim is settled. Should i put the charges figure here (£1073) or, charges plus the court fee (£1193) or, the charges plus court fee plus interest (at time of filing claim (£1389), or, charges plus court fee plus interest as it stands today (£1392.41) Thanks Matt

I have amended my rejection letter to : 'My letter before action sent previously indicated that you had until 01/03/2007 to respond before Court action commenced. You are reminded that there was no extension to this timescale and I filed a claim accordingly on 12/03/2007.' Is this ok?? Thanks Matt

A little help needed. . . Over the weekend i have received a letter from Lloyds, which, i believe is a response to my LBA offering me £750 in full and final settlement of my claim. As far as i am aware, they still haven't acknowleged the claim via the court. The letter is dated 19th March and says the money will be in my account within 10 working days, which gives them until this Friday (30th), i'm due to ring the court on Thursday (29th) to see if they have acknowledged my claim, in the meantime i assume i send Lloyds a letter of rejection which i can find on this site, this states that they have until **** before i file at court, i assume (again!) that i chage the wording to read that they 'had until **** before i filed at court and that i have now done so' and, if and when the money appears in my account i must inform the court. It all seems a bit strange, if they acknowledge the claim and submit a defence why would they offer me £750 before doing this, what grounds do they have to defend something when they have already offered a partial payment, or in their own words, full and final settlement. Any comments appreciated. Matt