Help- I need some advice. Last Friday (20th July) I sent a signed contract back to Lloyds TSB solicitors agreeing to terms so I could get my final £487.00 from them. With the news lastnight about OFT going to court today and bank suspending payments, does anybody know if I will get my money? It's been 7 days but I've heard nothing. Will I have to wait like all the other people claiming their money back even though I have been offered a settlement. I'm thinking about claiming back my credit card charges- is lastnights news going to affect/delay this claim?

I received a letter yesterday from Lloyds Solicitors agreeing to pay the final £487.00 I was claiming within 10 days once they receive a contract they want me to sign. So in total I have claimed back £1287.00 back from Lloyds!! I started asking the for the money back in May to which I never received a reply to my five letters. Only When I started Legal action on July 10th this has moved very quickly from £750.00 settlement offer being credited to my bank which I rejected to their Solicitors agreeing to pay the rest of the balance yesterday. What I would advise anybody claiming money back is to send the bank 3 letters setting out resonable time limits. If no response which I had start legal acion. They only seem to take the claim seriously when you start legal action.

Thanks for the advice- I will infom the court on 29th July when the banks time is up.

Please advise

Could somebody tell me when I need to inform the court Lloyds TSB have paid a partial payment of £750.00? I started legal action 10th July and received the cash 18th July. The bank has until 29th July to make a defence.

I've got the cash now- received it today Guido! But I'm not accepting this as a full and final- however I would like to start spending it! Do you know of a letter I can send to the court? Thanks

Gudio- I just checked that thread- the letter states I'm accepting money as final settlement- I'm not, I'm accepting this as a partial payment and I'm pursuing the rest- do you know of another tread I can send to the court to advise them?

Thanks for the advice- if you could change the title that would be good- RayMac v Lloyds isnt very eye catching and I need all the help I can get. cheers mate! By the way the £750.00 offer from Lloyds was paid into my bank today- only received their letter offering this yesterday- not a bad result but still a little further to go yet!!

thanks swisstoni- thats put my mind at ease as I've just found out the moneys in my account now! Nice picture as well:D

thanks for the advice- i will send my letter today accepting this as a part payment!!

thanks Curlyban- i will. When would I tell the court about getting this part payment? Now or when I get it? Do you think it's likely lloyds will take it back if I only agree to accept this as a part payment?

Thanks for your reply Barty. I intend to do so but like I say I'm concerned that is I do spend it Lloyds can agure I have taken the money in full and final settlement.

Yes I will but once the money's in my bank account what happens if I spend it? Surely if I sent them a letter saying I accept it as a partial payment I'm entitled to spend it- it is what they owe me anyway?

Hi- I have started legal action against Lloyds TSB last week, I'm claiming £1030 charges, £87.06 interest and now £120.00 court charges I've just paid. They have until 29th July to respond. I've received a letter from them yesterday (16th July) offering me a £750.00 full & final settlement which they will credit to my bank account in 10 days time. Of course I don't want to accept this as a final offer and want the full claim paid. Because the letter is not from their solicitors or legal depatment, I assume they are well behind responding to my previous letters (last one sent to them the end of May). What I need to know is can I accept this money as a partial payment at this stage of the proceedings and continue for the rest? If so when do I advise the court, now or when the money hits my bank account? I've looked at the template letters on this site for rejecting full and final offers which I'm going to use but I would like some advice from people who have been in this situation and what the outcome was. I've been trying to get this money back from the bank since April 2007 so of course being told £750.00 is about to hit my bank account is very pleasing. I'm just concerned if I receive this partial payment and spend some of it this would be seen as me accepting the full & final offer. Some advice would be very much appreciated.

Hi- I'm claiming back £1030.00 from Lloyds TSB along with £87.00 interest. So far I've sent 3 letters requesting my money back to which I have not received a response. I was hoping for a letter from Lloyds offering me some kind of settlement at this stage. The first letter I sent requesting my money back was a month ago. I'm now at the stage where I want to take legal action but I'm concerned about what happened to that chap who lost in court the other day especially because it was Lloyds he was taking to court. Please could somebody advise me of there experience of taking Lloyds to court? What are the proceedures? Do you have to go to court and what do you have to say? How long is the proceedure going to take roughly? Many Thanks

Hi- don't worry- i'm with Lloyds TSB- i received my statements 2 days before the 40 days were up. lloyds should not of won the last case because they didn't even bother to turn up at court. The chap who's claiming said hes going to appeal, he's been offered help from Martin lewis who appears on t.v. If this goes to the high cort there's no way Lloys will defend. I also think the chap was missing some details when he made the claim. Don't worry you will get there.

I need some advice because I'm concerned about what happened to this poor chap yesterday losing in court to Lloyds. I have sent 3 letters to Lloyds TSB asking for £1117.80 back to which I have not received a reply. Firstly is this usual because I was hoping for something from them so I could negotiate a settlement? The first letter I sent was over a month ago so now I'm considering taking legal action. Is yesterday's case going to affect my claim? What information do the courts require from you once you make your claim? I was also surprised that the chap who lost his case was cross examand in court for an hour when Lloyds didn't even bother to turn up. Why was this?