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me too! Got my defence and AQ today. Good luck everyone! Karen

thanks Steve, i found the library notes and i have completed the form. Wondering now if it is worth calling the defence solicitors, looking at some other threads, this has speeded up teh refunding, offer them the option of not paying teh court fee? Is anyone going to do this? I ahve had no telephone contact with tehbank through this process and am happy to not start now, however, anything that makes this move quicker must be a good thing!! Karen Moderated : threads merged , please keep to your original thread ,thanks

its been a long time since i last posted... everything went quiet, i sent the claim off, it was acknowledged and Lloyds said they'd defend. Today i had through a letter from the court with an allocation questionnaire and the defence from LLoyds, 9 points of defence, signed Alan Ingledew, recoveries Team Leader. Is this what everyone else has found? My questions about the questionnaire are: Do i need witnesses? Do i need an experts report? An has anyone written anything in the "other information" box? Appreciate any advice as Im pretty scared to read their defence. Do i need to get anything else together ready other than all the statements and letters etc? Thanks in advance Karen:-?

I will try that, thanks. I asked moneyclaim and they said that Royal Mail does not have that postcode registered. Very weird! Karen

It does sound fairly standard. Did you send teh "request for repayment" letter, that is the one that should be first. You then send the Letter before action after 14 days, regardless of when they reply to you. Did they enclose an ombudsman leaflet? Dont worry and hang in there! Karen

Hi, I have sent both the preliminary claim and the letter before action by recorded delivery to A and L. I have heard absolutely nothing!!! Not a dickie bird. The claim was due in today(14 days ran out today) but i am having difficulty filling in the claim form as it doesnt like the post code of the service centre. I have emailed a query to claim site and am awaiting response. Is this other's experience of not hearing anything? When do they decide to break the silence? Karen

thank you karen

Hi all I am filling in my claim form for Lloyds on moneyclaim, but am confused over what to fill in in the interest part. I have copied the section on claiming my right to the 8% interest from the date of the charge, then it continues " and from this date to the date of judgement at a daily interest rate of..." what do i put in here? (I did not leave in the section on claiming interest charges back in my letters as i felt it was too complicated to calculate.) Please help! Hopefully nearly there! Karen

thanks everyone. i feel very reassured. I think that i should stick to what was stated in my letter and not be swayed. therfore will wait the for the 14 days are up before sending LBA letter. will keep you posted. karen timeline: prelim letter to lloyds sent 14th may. claim for £1190 first " we are forwarding to someone else" reply on 16th May second "really sod off" reply on 17th may lba to be sent on 28:rolleyes:th may

Hi I just wanted to check (and seek some reassurance) that the reply from Birmingham after a preliminary approach for repayment that everyone is getting is the same as mine. I was surprised to recieve a two page letter that went on about me being aware of charges as they are available for all and that they are entitled to charge for additional work and that I have a responsibility to manage my account within their terms and conditions... they may withdraw cheque books etc and they will support referral to the Ombudsman...? Is this standard and is doing nothing til the 14 days are up best? Also, if they are suggesting me moving my account, can they close it down, i have an overdraft facility at the moment and wondered where i stood with being forced to repay it? Any support and/or reassurance appreciated Thanks Karen:-?