Hi people - I have to admit I'm a bit slow when it comes to money matters - I've know realised the errors of my ways. I'm a doctor by profession and with the current government shafting us doctors and the whole NHS my attention has been focussed on that! My girlfriend was able to painlessly get Halifax to refund her charges after a few simple steps. For me Lloyds are getting intimidating (well I think so). I followed the same steps - I escalated after they refused to acknowledge my claim and hoped they would back down - they haven't. Now I find myself heading towards court - I have received a Notice of Transfer of Proceedings with little else - are there some steps I should be following now? Please guide - thanks