Going back to early posts on this thread - my thinking is that you are under no obligation to respond to scary letters from defendant solicitors. Surely the only 'instructions' you legally have to respond to are those that come from the Court?

May be a rather obvious thing to suggest... but are you sure the money hasn't simply been transferred into your account? I had a full claim amount suddenly appear in a different account to this I was claiming on - no word, no letter - nothing. It's only because I check online every other day or so that I spotted it!

Lloyds have blinked. Just checked online and they've paid £1679 (full amount plus interest plus court fee) into my account. Still got another account which is going through the process at the moment.

Sorry Barty, what I meant was the Lloyds TSB terms and conditions. How far back do I have to go? (The account was opened in 1981!!) Any thoughts?

Thanks Barty. Next question - where people of mentioned enclosing a schedule of charges, should I just get the most recent from LTSB - or is there an archive somewhere of all the appropriate ones?

hjaww - Just to let you know I've had the same 9 point defence. No court date yet, so I'm sending them a nudge letter offering to settle for 80% of what I'm claiming. Also going to copy the court in - and also chase after ten days.

Bromley have dispensed with AQ - but I've have no other directions or anything. HELP!!!

Hi folks Here's a quick update on where I'm at with my claims. (There's a couple of queries at the end so please don't hang up before you've got there...!!) I've got 2 Lloyds accounts - let's call them a/c 1 and a/c 2, as that's what they're called. A/c 1 - I'm claiming @ three thousand A/c 2 - I'm claiming @ eighteen hundred (Interest included on both) I started on Martin Lewis's site - then followed his link here and have been lurking ever since making use of the fantastic resources for which I'm etenrally grateful. Both claims have followed a similar pattern: - 1) I wrote to LTSB enclosing copy downloaded statements, interest claculator and a request for refund. 2) They reply with an extraordinary letter which totally misses the point. 3) I give them another 14 days 4) They ignore me 5) I open parachute account with A&L 6) I claim online 7) They acknowledge the day before the deadline (curses!!) 8) They then submit defence the day before the 28 day deadline A/c 1 is at stage 8. A/c 2 is at stage 7. I've now had a letter from Northampton which says case has been referred to Bromley (my local court). Letter also says: - 'The filing of an allocation questionnaure be dispensed with in this case unless the District Judge at the court of transfer orders otherwise' It then says I've got 14 days to have this Order set aside. No mention of submitting my bundle or anything else - no court date or anything. Question One then - what should I do? Question 2 - It's a joint account with my wife - do both of us need to attend any court hearing? Question 3 - Are downloaded statements from the LTSB website acceptable in court? That's it - thanks for listening, and thanks in advance for any suggestions! Mark