Thanks for that JonCris - that's going to be the fun bit!

Breckon - I totally agree with you. Husband had company that was accumulating bad debts so we kept remortgaging to keep company afloat, as it was our only source of income, and the bank from our door. Looked at the route of going bankrupt but husband said his pride and reputation was at stake and was determined to repay all his debts, he wouldn't even consider IVA. He has now sold company and repaid debts, but at a tremendous cost to our future - huge, massive interest only mortgage on the house which means we will never own it now - it was going to be our pension because we couldn't even afford to continue with pension payments. Many a time we thought of upping and leaving, but our policy was, that we had borrowed money, even if it was from banks and suppliers, and it had to be repaid. (edit ) poster will be PM'd for an explanaton . Rant and sob story over! Debs

LBA is the second letter! If no luck after 14 days, proceed with court claim. Debs

[Looks like they're trying to fob you off. Hi Barty - Hmmm... my thoughts as well! However will send them what they want in their kindly enclosed pre addressed envelope and stick to MY timeline. Funny though, because they managed to find my details to let me know today that I am a massive £1.61 overdrawn! Debs

Have had reply from Andover to my prelim dated 29 Jan (signed for on 5 Feb) saying sorry about complaint etc but unable to trace my account with the details I have provided - what more do they need other than account number and sort code! Question is, if I reply today and send them a copy bank statement as requested , shall I redate and resend my prelim letter and start the 14 days again? Thanks Debs

Michael has just beaten me to it! He is a font of all knowledge and can point you in the right direction (and also knows how to link you to relevant areas which I still can't get right!) Debs;)

Welcome to this brilliant site - take your time and read the FAQs first - everything you need to know is in the library and on the template letters. Read all the case histories relating to your particular institution that you are claiming against and then start your own thread in your particular forum so that others in your group can watch your progress and assist if necessary! Good luck Debs:p

Thanks so much Bottomburp! In the middle of sending off loads of SARS to various credit cards - have already started on 2 Lloyds accounts but was getting bored waiting for my "responses" to my prelims! Will give Monument a buzz on the freephone. Debs

I know that Monument are part of Barclays but can't seem to find any info re address to send SAR to - can anyone please help! Thanks Debs

I'm giving up Eastenders to watch this - cup of tea? surely he can now afford champagne..

Well done Pete - another result for the "little people"! Congratulations on your efforts - nice to know the judge was so approachable - let's hope the others soon catch on! Enjoy the satisfaction! Debs:p

Their closing news "and now just in" , a high street bank has apologised for sending out details relating to 26,000 customers! Wonder which institution this is! Its back to keeping money under the bed.... Debs

....or he's be "WHIZZED" away, never to be seen again! Debs

Many thanks Peter - has you know half the time is it just a waiting game but am spending soooo much time reading around on this site! No doubt I shall be soon waving a drowning hand! Debs

cheeky wotsits in not turning up but whats new! Anyway many congrats to you on yet another CAG win against the old nag - I'm just sitting and waiting for my "non response" to my prelim - hey ho Debs

congratulations Romey! Like you I struggle to be computer literature much to the amusement of my children - I even had to ask what lol meant! LOL! However, I shall keep plodding on and keep to the tried and tested CAG route - enjoy your free time now! Just waiting for my "response" to my prelim Debs

Congratulations again to you both - you both deserve to get your additional costs after all you have gone through. I hope you will be very happy in your home (not new but now yours!) and.... if you get the dog, for heavens sake get it insured! Our 18mth Lab has cost £3500 so far in vets fees but the insurance has met most of the cost! Please keep a beady eye on the site cos so many of us will need your advice - who knows, a new career (or book!) may beckon. Debs x

well done both of you! Have been following your thread with great interest as I am just in the process of starting with numerous LLloyd accounts - what a saga you have had but what a success! Debs x

Hello Kryt and welcome to CAG Everybody is very approachable and friendly and have got the T-shirts! Separate all your various cards, loans etc into the various organisations you owe money to or who have charged you fees, and then set up separate threads in each relevant forum - eg for Lloyds go to Lloyds forum and set up your own thread so that people can track your progress and help you. Above all, read the FAQs and success stories so that you will not be phased by the stalling tactics of the various organisations. You will get there in the end but be persistant and above all, read, read and read! Don't be scared to ask for help - good luck!

Time is MONEY! Your money! And we don't advertise for the bank chasers (as bad as ambulance chasers) - if you really are desperate, then look on other sites but as Nattie says, this is a self help site and with knowledge comes power. Good luck

Got all excited when I looked at the buddy list then realised that it must be me listed! Wot - no one else in Surrey!:o

CONGRATULATIONS!!! AND ANOTHER ONE BITES THE DUST! Have just started out reclaiming but stories like this keep me going! Well done and enjoy the money WHEN its in your account!:grin:

Hi Marklamar To start your own thread, just go to the start of the Lloyds Forum and at the top of the page is a button marked "New Thread" - open that and start on your own story! It will help you to get specific advice from others in the Lloyds forum who have already gone through the mill. Good luck (actually all I think you need is patience, persistance and a lot of reading!)

Thanks for that Barty - have been reading your many posts and helpful advice to others - a sound and wise advisor!

Prelim letter now ready to post on Monday. What a fantastic site this is chaps and chapesses - many thanks to all who have made it so informative and friendly. Have spent the last week researching and reading all posts and have found that you have to have tenacity and make sure everything is checked and treble checked! Worked through the statements and saw how much I have made for Lloyds shareholders - crikey, wish I was one! But knowing my luck I will end up being a test case in court - however nothing to lose ...! Will keep you posted of results (if any!) as I know I will need a lot of handholding and reassurance along the way. Incidentally, is it possible to make further claims later for other Lloyds accounts, PPI on loans etc or do you shoot yourself in the foot with starting one action - any advice would be gratefully received! Oh boy, what fun this is going to be - this worm has turned!