Right - I have completed letter 4 from 'rejecting offers' as the lloyds letter only says 'final response' not full and final settlement. They have ten days to respond, so I will wait and see. Thanks again for all your help - you are fab!!

Thanks for those. will get reading and will complete the MCOL tomorrow! Will keep you all posted on my progress.

Hi, this is my first post and I would appreciate some assistance with my battle with Lloyds. Some history first - I requested details of the last 6 years charges in February, I followed the path thereafrer sending all of the letters, inbetween, receiving acknowledgements, etc. Anyway, the point came to start court proceedings some weeks ago and I had not received an offer or refusal. I didn't have the £120 to start the claim so I haven't started it yet. On Friday I received a letter offering £750 in full settlement and any pending charged waived. My full claim is for £1,719 and my husband thinks I should continue to pursue the rest of the money. Now my reservations are these and I hope you can advise me: 1 - If it does get to court and I need to defend myself, will I need to get copies of my actual statements? All Lloyds sent me is a print out of all charges, interest, DDrejections, etc - Is this sufficient for court? 2 - Again if it goes to court, do I need to turn up in person with the 'court bundle'? 3 - On the MCOL which Lloyds address do I use, my branch or a central office? If so, which one? 4 - Again on the MCOL site, there is a free text box which asks for particulars of the claim. What on earth do I put in here, or can I cut and paste all the details from my letter to Lloyds about the charges being unlawful, etc? How much detail to I need to give? This is as far as I have got on the MCOL site, before I got scared and am having second thoughts. Any advice, suggestions or anything will be gratefully received and apologies for making it long! Many thanks Toomanykids