I have received a 'notice that a defence has been filed' and so now I have until 29th June to complete & return the allocation questionnaire. best get on with it!

I have sent an admission of guilt for not paying the whole amount due but also asked that the late charges are removed as I was unaware of them being added. I might not get anywhere with it, but I thought it was worth a try.

But what if I receive no response from them at all? Today is the last day Lloyds have to defend the claim, so if I have still not received anything by the end of the week, should I just send the Request for Judgement?

My claim has been issued and Lloyds have until 04 June to reply. Do I just wait til then and then inform the court that I have had no response? Or do I need to wait a few days just to ensure that its not just still in the courts backlog?

I'm going to send a letter asking for a breakdown of the account, what has been paid by myself, what has been paid by insurance company, and also what fees have been added (and a breakdown of these fees). Am I best to send the letter to the solicitors, or directly to Black Horse? I'm thinking of sending it to Black Horse, and then a copy to the solicitors. both by Special delivery.

I'm about to send a letter to Black Horse Ltd regarding a hire purchase agreement which they are taking me to court over. (have send acknowledgement & now have until 27th May to file defence) I am after the same sort of information from them so would it be ok for me to use the letter drafted above? Obviously i will modify it for my own circumstances. Thanks:)

No I didn't ask them to send it directly, they told me that that's what they were going to do, and I suppose I just accepted it. I didn't think anything of it at the time. Looking back, with hindsight, I think I have been quite naive all the way through & would do things very differently in the future. I think I'm going to ask Black Horse and Direct Line for all the information they have on me. For that do I just use the SAR letter?

Hello, I've been reading around on here for ages & now I'm feeling very confused & extremely worried, I'm hoping that somebody can give me some advice... (sorry it's long, I'm really stressed ) The Story... In 2003 I purchased a car on hire purchase with black Horse Ltd. I had been paying monthly until May 2006, when a crack was found on my car engine after a minor crash. My insurance company (Direct Line) gave me a settlement amount for my car as it was beyond repair. The insurance company paid the money straight to Black Horse. I assumed that the settlement amount had settled my 'debt' with Black Horse ltd as I haven't recieved anything to suggest otherwise (no letters etc). THEN... quite a few letters were sent to my address, but for a different surname. I therefore didn't open them. Until one looked really important, and it stated that I hadn't complied with the court order, could go to prison for 14 days. SO... I phoned the court & explained that I hadn't recieved any court papers as they were not in my name. They agreed to send the forms out again. I have sent the acknowledgement of service form back & I now have until 27th May to submit my defence I don't know where to start. There are over £500 of late fees and then court costs of £120 & £80 solicitors fees which have all been added onto the intial amount. I can't find any of my documents for the agreement, so should I write to them and ask for the agreement? and ask for a list of charges? ANY advice would be greatly appreciated.

Well, I've taken my forms to the Court and paid my fee. I got a receipt, but they kept all three of the N1 forms. They said that I could take my copy there and then, but it would not be stamped or have an issue date or Claim ref on it. They said that it will be posted out to me with the claim ref no. & issue date at the start of the week (so I'm thinking that I should have it back by mid-week). So, I suppose it's just a case of waiting now..... :-|

Thanks for all the advice, much appreciated I have printed three copies of the N1 form, all with schedule of charges attached. Adam, I have put the account number in the POC, hope that's what you meant. I'm going to go to the court in person after lunch tomorrow, that way I know it's been received, and stamped etc. Wish me luck, will update once it's handed in. Then the fight really starts, eek!

Hi all, I've been reading this site studiously for ages now, finally know my way around the forums! I've already sent the prelim letters to Lloyds. The first letter was responded to with the 'standard' letter that so many of you have also received (it's quite nice knowing other people got the same fob off! lol). Then the second letter (LBA) was completely ignored. I've just filled in the N1 form, and printed it all off. I've updated and printed my schedule of charges too. So, I'm just wondering whether I need to send a copy of the updated schedule of charges directly to the bank? Also, it's going to be a bit awkward getting to the court, (unless I can juggle work a bit tomorrow afternoon), so am I able to post everything? including payment? or is it better to go down in person? I really want to get this right, because Lloyds are gits. thanks in advance :grin: