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Thanks Gary. Sent the letter and draft order yesterday. Is there anything else I need to do now or do I just wait to hear from the court again? Thanks again for your help

Ok, I received a "standard order for stay of settlement with consent of all the parties". I was on holiday just after it arrived and so admittedly didn't pay too much attention to it as I was rushed off my feet preparing for my trip and trying to get everything sorted for my absence at work. The letter read as follows: ------------------------------- On or before the 22 December 2006, one of the following steps must be taken: either the claimant must notify the court that the whole of the claim has been settled; (see note (i) below) or the claimant or defendant must write to the court requesting an extension of the stay period, explaining the steps being taken towards settlement and identifying any mediator, expert, or the other person helping with the process. The letter should confirm the agreement of all other parties. (see note (ii) below) or all of the parties must file a completed allocation questionnaire at the court. Where a settlement of some of the issues in dispute has been reached, a list of those issues should be attached to the completed questionairre. The list must be agreed with the other parties and must indicate that it has been agreed. Note (i): Where settlement of the claim is achieved before the end of the period of stay, the following will be taken to include an application for the stay to be lifted: (a) an application for a consent order to give effect to the settlement (b) an application for approval of a settlement where one or more of the parties is a person under a disability: and © the filing of a notice of acceptance of monies paid into court, or an application to accept monies paid into court out of time. Note (ii): Extensions to the period of stay will generally be no more than 1 month ------------------------------------------- The way I read the letter made me think that (a) the claim hadn't been settled (b) I wasn't going to request an extension of the stay period © I had already completed my allocation questionnaire The letter I have just received reads as follows: (including spelling mistake) ------------------------------------------- Upon reading the court file IT IS ORDERED THAT Unless the claimant applies for direction by 4pm on 25th January 2007 the claim do stand sruck out --------------------------------------------

I've received a letter from the courts saying that unless I apply for directions by January 25th that the claim will be struck out. I'm going to search the forum posts for any advice but if anyone can advise me in the meantime that would be great as the clock is ticking!! Thanks in advance

My claim is just for bank charges tigger. I'm sure there will be someone on here who can help you though

Received a letter from the courts saying Lloyds have acknowledged the claim and have 28 days to enter a defence. I'll have another look through the case guidance notes again this weekend

Emailed Lloyds the other week and received a nice speedy response saying they would not be paying and they would not be responding to any further requests about the matter. I have since submitted my claim and this was served and acknowledged as of the 6/9/06 Will update this post with any updates Cheers, Danny

Thanks snapper, I think i will just send off a final letter to say I am going to file a claim. Should I tell them in the letter that they have 10 days to respond? Or 14 days?? Or should I just tell them the date I intend to file the claim? Thanks for all your help so far!

Having read through the Mistakes post I am now wondering if I have entered into enough dialogue with Lloyds before filing the claim. I have only sent them the two letters (letter for repayment and letter before action) to which I have received standard replies. Would this be considered as reasonable dialogue before issuing a claim or do I need to send more letters first requesting repayment? Would it be worth me sending the letter requesting repayment and then the letter before action again before claiming on the moneyclaim site or should I just go ahead and begin my claim? Cheers, Danny

Hi, It's been two months since I sent the LBA to LLoyds but due to financial difficulties and not knowing how to word the claim on the moneyclaim website I haven't submitted my claim yet. Is it too late for me to fill in the online form now? Would I need to contact Lloyds again before I file the claim? If it isn't too late, is there a template to help me construct my claim as I am really struggling to know what to put. I know there are guide notes in the templates library but I am still not sure how best to word things. Could I use the "Particulars of claim - hard copy" form as a template? Any help would be greatly appreciated. Thanks, Danny

Received the following reply yesterday: Dear Mr xxxx Thank you for your letter dated 9th June 2006. I am sorry to hear that you have not been happy with our response to date. Unfortunately there is little I am able to add to our letter dated 26 May 2006 as we have outlined the bank's position on the points you have raised, although i do respect your opinion about our charges. This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. I have enclosed a leaflet, which outlines how to contact them. Yours sincerely, Jamie O'Neill Is this the standard response at this stage? Should I go ahead and fill out the form on www.moneyclaim.gov.uk or wait until the 14 day period has elapsed first? Cheers, Danny

Well no further response after the standard refusal letter so I am preparing my LBA now

Received a reply today to my letter claiming back the charges. Two pages detailing how they are entitled to claim back their charges and how I was supposed to operate my account in credit etc etc and that they were not going to refund my charges. I'm sure this is just a standard response but should i reply to that letter or just wait for the 14 day period to elapse before sending my letter before action? If you think I should respond to the letter I would appreciate some advice about what to write. Thanks Danny

Great, thanks guys. I'll keep the thread updated as and when I do anything.... Good luck with yours!

Cheers commando. I sent the DPA request to the Data Protection Manager: Lloyds Bank PLC contact Penny Berryman Senior Manager Data Protection Dept. Chiswell Street 48, Chiswell Street London EC1Y 4X and as I said the reply was pretty quick. Not sure where to send the letter for the charges. I guess the customer service address you listed would be good. Have you had a reply from them yet?

I received the following details with my DPA requested statements today. Not too sure what EM and LETTER DELETED refer to though but thought the following might be useful anyway: Letter Explanation Codes 1463 A/c overdrawn day 11: with/without agreed limit LETTER DELETED LU901 unpaid cheques or direct debits: Effects not cleared – EM – LETTER DELETED LU902 unpaid cheques: Refer to drawer fee EM – LETTER DELETED LU904 unpaid cheques or direct debits: RD and RDPR EM – LETTER DELETED LU913 Standing Order: retry EM – LETTER DELETED LS912 suggest increase facility is discussed: retry – LETTER DELETED LS902 advise o/d: suggest increase limit is discussed: retry – LETTER DELETED LM902 Limit exceeded: credit/contact no more increase EM – LETTER DELETED LM903 Over limit credit or cont to discuss an increase overdraft EM – LETTER DELETED LM901 Limit exceeded: contact to discuss EM – LETTER DELETED AK208 Enclosure for signature and return AK215 Request new specimen signature – LETTER DELETED AK234 Address change Anti Fraud acknowledgement OF203 2nd/3rd offender direct offer classic/staff cheque account XP901 Limit: expired – Letter of authority UB901 Advice of unauthorised borrowing fee EM LH901 Contact: warn excess limit may return future items: retry – LETTER DELETED LH905 Card payments: warn withdrawal & UBF: retry – LETTER DELETED LH923 Chaser no response – previous letter: retry – LETTER DELETED EM901 New excess letter EM EM902 Excess letter – 1st chaser EM EM903 Returns letter EM EM925 Confirm excess letter EM EM926 General Letter EM EM908 Unable to return letter EM EM909 Advice letter for non charging events EM ER201 Letter sent in error: centrally produced letter AG242 Permanent CCD Control account under Central Collections Department control PR230 Promotional – contact me AF219 Secondary A/c app recd – new account details given EI205 Reply for personal/sole trader/partnership customers Customer Contact Notes Abbreviations Method of contact AP Appointment BI Branch interview ER Enquiry HV Home visit MI Mail in MO Mail out TI Telephone in TO Telephone out Subject ACCRVW Account review APTBKN Appointment broken ATM Cashpoint, bankcard CHQACC Cheque account CRCRDS Credit cards DECD Deceased DEPSAV Savings account EXMGMT Excess management FO Formal overdraft GNCOMP General complaint HOMMTR Home/motor insurance LIFE Personal protection plan LLPENS Pensions LOANS Loans MLSHOT Mailshot Letter MTG Mortgage NOANS No answer S-ENQ Status enquiries SO-DD Standing order/direct debits STDLET Standard letter ULINV Investments VREFD Visit refused Action ACK Acknowledgement ADV Advice AMD Amend APP Approve APDC Appointment declined APMD Appointment made CAN Cancel CLM Claim DEC Decline ENQ Enquiry NEW New OTH Other QUO Quote REQ Request RES Response

Just recieved my statements for the last 6 yrs. £467.50 (+ my £10 DPA fee) I was surprised at how quickly they arrived actually. Sent the DPA letter on the 26th April and received the statements, complete and undamaged, this morning. I'm going to double check the charges again, just to make sure i haven't missed anything and then I'll send the letter to claim the charges back. I sent the DPA request to 48 Chiswell Street. Should I send the letter claiming the charges to the same address?