Thank you No doubt I will have some more silly questions along the way. Have a great weekend.

Thanks so much I'm going to make a start on this straight away. I'm pretty sure I have all of my paperwork (I never throw anything away!) How do I tell if it is Single Premium PPI? Will it be clear from the agreement? Thanks again,

Hi all, Hope you are well today. Just looking for a little advice please......... I took out a consolidation loan in March 2006 with Ocean Finance, the actual credit provider/company my payments were made to was Endeavour Personal Finance. I recall being told at the time that PPI was a condition of the loan and although I wasn't happy about it I accepted it because I needed the loan The loan was re-paid early, 18 months ago. Who do I need to contact to make a claim? EPF or Ocean Finance? Thanks in advance for any information,

How is your claim going trev?? Jen xxx

Thanks Helen I will certainly enjoy it. Drinks are on me tomorrow Jen xxxxxxxxx

Thanks Who do i need to PM to get my thread titled won?? and give them my litigation details?? Jen xxxxxxxxx

Thanks hun, I just had a look at that link and i'll probably do that, every penny counts and all that. Jen xxxxx

Thanks Do i just write to the court now advising that settlement has been reached?? XXXXXXXXXXXXXXXXX

WOO HOO!!!!!!! I GOT MY MONEY!!!! Logged in this morning to find my account in credit for the first time in 12 months LOL. They finally stumped up the cash, i'm absolutely thrilled!! Thank you so much to everyone who helped me do this, this is gonna make such a big difference to my finances!! Thanks Jen xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Congratulations xxxxxxxxxxxxxxxxxxx

More waiting for you then Jennifer but it'll be worth it in the end You need to have the patience of a saint with this lot coz they love to keep you waiting. Stick with it hun xxxxxxxx

Hi hun, I have also received a letter from the court advising stay granted until 27th June when the case will be referred to the judge in paperwork. Gonna give SC&M a call again tomorrow as still no sign of my money even thou they had my signed accpetance back 3 weeks ago. i want to know what they are playing at offering settlement one minute and requesting a stay the next!! They are so Random!! Hope you are well Jen xxx

Hi Everyone, Hope your all well. I got a letter yesterday from southend court advising me that a stay has been granted of the courts own decision. The stay is until the 27th june when the case will be "referred to the judge in paperwork". Does this mean that the judge will make a judgement on the 27th but that i do not need to attend?? Please help i'm so confused?? Jen xxx

Hi disgruntled Thanks for the congrats, i wont feel like i've truely won till i get my money thou I originally filed with basildon court but they tranferred it to southend not sure why, not bothered thou its only up the A127 LOL. I will have a read thru your thread and subscribe so i can congratulate you when your get your money back YAY!! Not long now!! Jen xxx

YAY!!! Thats exactly what i'm gonna do, theyll get so sick of hearing my voice they'll pay up sooner rather than later LOL Call them tomorrow they're really friendly but dont be taken in by the rubbish they chat about back log of payments etc, its your money and you want it NOW!! Jen xxx

Thanks flower I forgot to take the name of the chimp at SC&M, must be all the champagne!! I just called the number on top of their letter. I also have heard nothing from the court and i sent my aq off 4 weeks ago, i have a letter about 3 weeks ago to say it was being transferred to southend court which is fine but havent heard anything since. certainly havent cancelled any action as no money yet. i will have to give them a call tomorrow. I will call them again tomorrow if still no money and then i'll continue to call them every day till i get it. Hope you are well Jen xxx

Still no sign of my money!! sent back my signed acceptance over 2 weeks ago!! Spoke to them yesterday and they gave me some rubbish about a back log of payments!! Thats not really my problem i told the guy and that if they take much longer i'll be wanting more to cover the interest over the last few weeks I hoped it would be in my account today as it is my birthday and i want to buy myself something nice!!! Jen xxxxxxxxxxx

Sent mine off last monday still no sign of the cash!! Planned to call them monday but got a bit side tracked with o/h walking out on me over weekend will call them tomorrow to see when my money is coming coz i'm in serious need of some retail therapy lol Jen xxx

I sent off my settlement thingy monday so i'm gonna give it till monday see if anythings in my account if not i'll call them and start getting on their case. Has your been credited yet? Jen xxxxxxxxxxxxxx

CONGRATULATIONS XxXxX

I've got everything crossed for you LOL:) xxxx

5% it is then, if only there was someone to send flowers and a bottle of wine to as well, to express my heart felt thanks for helping me get back almost 1000 pounds i thought i'd never see again, it puts me in a much better financial position and i may even be able to stop working 2 jobs by the end of the year!! YAY:) Thanks Again to everyone whos been so patient with me and helped me thru this I feel like i've learned so much and i'll be sticking around even after the moneys been paid into my account in case there is anyone that i can help with the knowledge i have gained. You guys are the best Keep up the good work Jen xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Hi Flower I got the exact same letter on the exact same day that i got my settlement letter, 2 different envelopes, they might have well just shoved em both in one and saved themselves a bit on the postage!! LOL It could mean thou babe that your settlement letter is on its way as well and just stuck in the postal system. Fingers crossed you get it tomorrow Jen xxxx

Yeah you'll get a letter from the court that you file with, telling you the date that the papers were deemed served, and then lloyds will have 14 days to acknowledge and a further 14 days to file a defence. They were pretty quick in my case :)but be prepared to wait the full 28 days if not more as others have Once lloyds have filed defence you will get AQ to fill in, then more waiting. Jen xxx

Thanks Barty:) An especially big thankyou to you in fact for all your help. You emailed me all the bits for the court bundle which was very much appreciated even thou i didnt have to use it in the end, YET, oh yes i have a few more claims up my sleeve LOL. Thanks again Barty and Everyone I'll be making a donation as soon as the cash hits my account What is the recommended percentage for donations? Jen xxxx