Hi fellow CAG members I wrote to Cap One to say I wanted a refund of £120.00 in total for late payments, they credited my account with the difference between charging me £20 and £12. Although its not a full refund I'm happy with this as I admit to the late payments being my fault and have bigger fish to fry with the banking institues, but at least they didnt just send off a 'No' letter. So keep on at them.

Hi, thanks again for reply Tillymouse and Guido T Funnily enough I sent one of those 'nudge' letters to SCM today, (all thanks to suggestion and support on this website). Our circumstanstances seem to be taking the same track, unlike other LLoyds battlers I hadn't had a thing fm SCM except the defence on the court form. So nudge letter gone off to them because I have court date, 29th June and that is scary. Also Draft for Allocation (again suggested on here), sent to court, like you hoping I can show all efforts made to resolve this. Am getting court bundle together too just incase, but running out of steam a bit today, but have to keep up the fight, cannot let them get away with our money! Best wishes to all.

Thank you Guido T and Tillymouse. Have paid my court fee's, that no problem, have to get together 'court bundle' now, which I'm not too clear on, if anyone can help me out with easy summary? Am still surfing the website, as always lots of helpful info and support, thanks to all. Still nothing from Lloyds solicitors SCM to me, although I havn't had any correspondence with them at all. Hoping LLoyds will settle soon, the thought of having to state my case is very scary. Best wishes to all.

Hi all. I have just received a court date but am confused as I was expecting to complete AQ's, but the letter from HMCS stated AQ's have been dispensed with, but as the claim is in excess of £1500.00, I still need to pay the £100 fee. Why have AQ's been dispensed with for my case? Secondly, what do I need to present to the court in the court bundle and what do I use for witness statements? I've read in some of the other threads that Lloyds solicitors have written to claimaints, I havn't heard a thing from them? Thanking you all for advice and support in advance, looking forward to hearing from you.

Hi Dawny I sent the £10.00 with the first preliminary letter asking for statements and gave them 14 days to reply. My statements arrived on the 14th day! I then sent LBA (letter before Action) again giving them 14 days to reply, they have sent me a 'fob off' letter, so I will be logging my claim on MCOL, the court service on line. Hope this helps, as I said before takes a bit of time and patience reading on this site, but amazing help and support available. Keep plodding. Roseilion

Hi If you gave them 14 days to reply as advised in other threads I'd stick to your deadlines, although they say they will reply with 4 weeks, they will very possibly get back to you within 2, but it may be one of their standard 'go away' letters, keep reading the FAQ's and Step-by-step Instructions. Takes a bit of time, but I've found no end of support on CAG. Thanks again CAG

P.P.S Every letter I send Lloyds, I send recorded! You can check on-line or via phone that those letters have been delieved and signed for, I don't trust Lloyds and recorded post isn't too expensive.

Hi Peeps, I have today recieved a standard letter from LLoyds, Andover, after I sent LBA letter basically saying, bogoff, all our charges were just! So I think my next step is too file my claim at the court. P.S. I had initially sent letters to Lloyds at Colmore Row, Birmingham and also Lloyds Customer Service Recovery Centre, Andover. but I see above the Gresham St London address is advised as the LLoyds Registered address for the court claim? Thank you all for help and support

Hello, what a fantastic helpful and friendly site this is and thanks to you all for posting so much information and support. Before I ask for help, I 'd like to off a little help. I have just recieved my six years statements from LTSB, the correct address to write to is;- Lloyds TSB plc, COPY STATEMENT UNIT, 10 SWALLOW ST. SWALLOW HOUSE. BIRMINGHAM, B1 ZLT... Tele. 0121 633 5476 When I called them to chase them up (previously having rang various departments!), the lady could tell me immediately when they recieved my letter and how far along they were with dealing with my request. My statements arrived on the 40th day exactly! The have a whole department dealing with this now! As a new-member I have to admit to being a bit bogged down with so much information, so if anyone could give me some easy guidance tips, thank you in advance. I have my six years statements for the two accounts I had with LTSB, I have high-lighted the relevant charges. Do I just send a letter to the Customer Serv Recovery Cen., with copies (or a summary) asking them to refund the amount? I understand about being able to claim only the interest on the excess charges, although I cannot work this out as I cannot differentiate between the account overdraft interest and the excess charges interest, but I would be happy with what I've highlighted so far. Thanks in advance, miss mind-boggled and well done to all those who have fought and won!