Hi Does anyone know of any letters i could send SC&M to maybe give them a friendly nudge to settle?? I still havnt heard anything and when i phoned court they are a week beyond with backlog so wont know what the judge has decided. Do you think its worth sending a letter?? I guess it cannot hurt. Thanks Tracie:)

Hi I dont have much advice regarding what to do but i will bump this up for you so someone can help you who knows. If you mean by service charge the amount you get charged each month for a particular account..i pay £14 amonth for mine..then no..you cant claim that....im sure you will be able to do something though!! Good luck and try not to worry, someone with more knowledge will help you. Tracie

Hi skulkerboyo Just wanted to say that so many people on here have felt the same as you at some point..its natural...but try not to worry. Any questions you have will be answered, every letter you will need will be on here and everything you need to know including step by step instructions on the AQ and court bundle can be found on this website. You are not alone. Just sit tight and wait for the contact from court. Have a read of as any threads as possible so you know what to expect in the mean time. My case is still continuing and i last week sent my AQ off. Still not heard anything as yet. The court bundle process will be my next stage if it gets to that. Stay calm and remember, you are not alone. Tjinuk

Hi Im pretty new to all this myself but you can add charges up to the point of filing with court..hope that helps... Tracie

Hi again Well iv just been reading all the letters again and think iv solved it. My claim has a different reference number to my daughters, obviously, but they were all addressed in her name which was what confused me. so it seems they have settled my claim, about £50 less but im happy with that and no point taking it further and paying more out. It seems my duaghters will now be in the hands of SC&M and i guess we will now have to wait to here from the courts or them. Will let you know what happens... Tracie

Hi All Well i am totally confused now. I have claimed for my daughter and for myself. My daughters claim as gone to court and i took the AQ in today and paid. The gentleman told me that Lloyds had not sent theirs yet! My claim got to the LBA stage. I had not yet taken that to court. Well last week i had 3 letters in my daughters name. Miss K ******.....saying they are still looking into it, then they were offering me £651.00 and then finally a letter saying a cheque was enclosed for the amount but no cheque was their. I tried ringing but eventually wrote to them and said there was no cheque inside. I got through to them 2 days letter and she said she would like into it and thanked me for ringing. Well today i recieve another letter with cheque for £651.00 but in my name..Miss T XXXXXX.....so i think they have confused both claims?? I no longer have an account which might explain the cheque. So, do i ask them or leave it. If its for mine then im happy with that and its only about 50.00 short of my original claim so i will accept that and leave it there. However, if its for my daughters, her claim is about £1700 then what should i do. At the end of the day it was in my name with my initials. So if they have made a blunder its there fault..right??? Any advice welcome and i hope you understand what im saying. Iv kept all letters from then and as i say i have filed my daughters AQ today. Tracie

Hi jshtr3 Thanks for that...only wish i had read it before going into town, parking up and finding it shut...lol.... Oh well....i will go tommorow.. Thanks

Can anybody help before i go court to file the AQ???

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Hi Just filling in AQ and taking it to court today with money. Just a couple of questions....where it says any other information.... have you attached documents...i ticked no......already sent schedule of charges with claim Do i intend to make any applications in future...is this yes or no??? In the space below set out any other info.....do i include here the part that says....... I am respectfully requesting that my claim be allocated to the small claims track. This issue is not a complicated one; it is an issue of fact and not of law. The issue is only whether the money levied by the Defendant in respect of its customer’s contractual breaches exceed their actual costs incurred. I am happy to pay their actual costs and I am surprised the Defendant did not counterclaim for these, because I would have paid them without argument. However, the continuing problem is (in common with the 100s of other cases currently being brought by other bank customers) that the banks refuse to reveal the details of their penalty-charging regime. As the banks have a fiduciary duty towards their customers, they have a duty to deal straightforwardly and in utmost good faith. Want to et this rigt before going to court....any help would be great...thankyou.. at the bottom where it asks for firms name and address....do i include my name and address?? Nearly there now.... Tracie

Hi Barty Thanks for the numbers...finally got through to them today. They are looking into where the cheque has gone and will get back intouch with me. When i have money in account or cheque in hand then i will send letter accepting part payment. I couldnt send letter yet as iv recieved no payment and i think it would or could get confusing later on. I am filling in my AQ and will take that into court with £100 next tuesday. If payment appears do i inform courts i have had a partial payment?? Thanks so much for your time. Tracie

Hi Barty Thanks for that....do you have a contact telephone nmber for andover?? The one iv got is 01264 725214...and it keeps going to mailbox and then saying mailbox is full...any other numbers i could try to get intouch about the missing cheque??? Thanks Tracie

Hi Well today i have had 3 letters from andover. The 1st saying saying they are sorry but are still looking into my claim.The second offering me £651 as full and final settlement and the 3rd letter said sorry for the delay but find enclosed a cheque for £651...which had no cheque enclosed!!!! I have tried ringing andover and cannot get through. Not sure what to do about this...the letter that was meant to have the cheque in was not sealed. I phoned Lloyds and the man(very nice man) said i should maybe send a letter off to them marked urgent explaining. So should i send a letter accepted part payment and saying that cheque was not enclosed?? Any help much appreciated. Thankyou Tracie

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Morning everyone, Today i recieved Lloyds 9 point defence and the AQ. This has to be returned by the 30th May. I have had no contact from Sc&m up to now. My question is, do i return it as quick as possible or wait until a couple of days before?? Does it make much difference? Also i have been reading through a few threads to get an idea on what to say and what not to say. The form i have is the N150. Any help would be greatly appreciated. Thanks. Tracie

Hi I presume you mean a schedule of charges?? Yes this was attached to all the forms, 3 copies. So now do i just sit tight and wait to hear from them? Thankyou for your help Tracie

Hi I served this at my local court so do i still have to send them a copy or do the court send it?? I didnt use MCOL. Thanks Tracie

Hi All Well today i recieved a letter from the court. It says... Notice that acknowledgement of service has been filed. The defendant responded to the claim indicating an intention to defend all of the claim. It was served on the 25th April and they have 28 days from the date of service of the claim to file a defence. Solicitors Sechiari Clark & Mitchell So, do i now wait to hear from them?? Or do i send the solicitors a letter?? Any help would be appreciated gratefully. Thankyou Tracie

Thanks Pondy...i will ring them on Monday to see whats happening!! Tracie

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Hi All Well im just wondering what i do if i have not heard anything by Monday. That is the date i was given for Lloyds to put in a defence. Will the courts let me know or do i have to ring to find out if anything has been sent in?? Just wondered as want to get ready for my next steps, i have heard nothing except a letter from lloyds to say they need another 4 weeks to look into my complaint..yes right!! Thanks Tracie

Hi Rory Thanks once again for all that info. Funny you should mention charges as i have requested charges back off lloyds tsb for the sum of £730. I have not heard anything so about to send the LBA out. Even if it costs me £50 and they end up taking it off the debt then at least its some paid off. Thanks Tracie..x;)

Hi Rory I really appreciate you taking e time to send me that. I will def be sending that to 1st Credit. Does it matter that i have in the past sent all my creditors a breakdown of income and expenditure and offer of a token payment??Should i send that letter to all companies asking in writing and phoning for money?? Sorry to keep asking but just wondered. I dont have a great deal of time or money but i shall find the both for this...just to prove to them that im not somebody who does not know what the law is. I have never denied owing them and most of it was due to the breakdown of a relationship. I walked away with kids and cloths and basically started again. Yes i was stupid to get myself into that debt but they dont help or care about that. So, anyway, thanks again for the info you have provided. This site and the members are truly wonderful... Tracie..x

Hi Thanks Rory. I have had alook at the OFT thread you advised and it certainly seems that they have tried to make it look like a court paper. Is their a template of a letter i can send to the OFT to let them know about this? I would say my total debt is in the region of 20,000. I have tried being reasonalbe before and gave them all a breakdown of money coming in and out but it didnt work. Do you think i should try again and offer all of them a minimum amount? Thanks for taking the time to repy. I was a little worried but knew it wasnt from the court as had no court stamp or case no... Tjinuk

Hi Thanks for replying. It came through the post from 1st credit finance. Their address being, Hill house, 1 little new street, london, ec4a etr. It says i have 18 days to set it aside or if not in 21 days it will be served and i could be made bankrupt and property taken away. Tjinuk