thank you peeps for your help and as always very prompt response. I will send off the refusal to comply to T & C's but happy to accept offer. will keep you posted

yes the T & c's are (here goes) in biref 1 the above amount will be credited to your account 2 the payment will be full and final settlement 3you agree to maintain your account bla bla 4 the terms of this agreement are confidential to all parties and their legal reps 5you can avoid tjese fees bla bla 6you make contact with your Bank Manager for a review ( and a wrist slap) 7you must notify the court when payment is payed into account ( what if they dont pay before the hearing at the end of july) seems a bit easy huh ?

I recieved an off for the full amount from LTSB Solicitors today, however I am wondering if I am signing away any rights to make any other claims for my LTSB Credit Card, Has anyone else had one of these? Why are they so keen to shut me up ? Help anyone ??

sorry i was unclear there, what I mean is I worked out the interest uptil the date I sent in My claim but is the interest calculated daily until the date of the hearing ? becasue that would mean the difference of adding about 6 weeks nmore interest. thanks

Paul, thankyou, There is no mention of documents needed just the schedual of charges, might they ask for the Court Bundle neared the time ? also do I add on the extra charges they have levied and do I re calculate the interest ? sorry to be a pest, I have had no dealings with Court at all Regards Cossy

I am in the process of trying ro calim back money from Lloyds and today we got the Court Date 24th July 2007, the Notice of Allocation states, The judge has considered yada yada 1. The Claimant do within 21 days of the date of this order (14th June) serve a schedule detting out the amount of individual charges, the dates they were applied to the acc. and the reasons given for these charges. Do I just send the court copies of the statement of charges the bank sent me. do I just send that to the court and not the Bank also. Plus. do I not do another calculation of interest at 8 % to the date of the hearing ? plus any other charges they have levied on me ? I'm so scared at the thought of going to Court ...any advice would be much appreciated thanks in advance

I too have rec a letter from the court dispensing of the AQ, so I'm now waiting for a court date ? Should I be sending anything now ? Sorry, I am so out of my depth here and reading (although really helpful ) has me a tad confused. thanks in advance

liverpool too

LLoyds are notorious for dragging EVERYTHING out, just remember to keep documentation and proof of everything right down to the person you speak to and what they said, if your claim goes to court the problems you have had will be seen by the powers that be. Lloyds TSB submitted their defence to my claim literally a few hours before the deadline, I might have to go to court and I may loose but I will let the courts know the banks are dragging their feet and wasting court time. Good luck Fred