Hi John, As far as I'm aware, the small claims court limit in Scotland is £750. It all depends on whether you file your claim with a Scottish court or an English court. Obviously, if you live in one or the other country you will more likely than not need to file with that country's court system.

Hi Springer, 1) Most definately not. In fact, under the Banking Code, if an account is in dispute and they try to call the debt in, they will be shooting themselves in the forehead - let alone the foot. 2) Nope, exactly the same process for the 8% as with bank accounts. You may want to look at the thread on the main Consumer Issues forum about claiming compound contractual interest too, though - there has been some success in doing so already, and it certainly adds up! Alongside the SAR - you may want to try giving Capital One a call and asking for copies of your statements too. From what I've seen, copy statements don't seem to take too long to reach you, and you don't get charged for them - whereas Capital One seem to dither and take their time over SARs.

Will definately be posting any response I get datxman - if I bleeding well get one! 5 days and counting Mr Udy...

As Lucid says - best to wait till you get your claim number back. You can then email Northampton CC with a copy of your Schedule of Charges and the claim number, and they can attach it to your file

I think the 'additional time' box for settlement now seems to be standard proceedure for SCM. As they've asked for extra time to reach settlemtn, it might be worth calling them and saying something along the lines of "So settle me!"

Hi Adamski, Mollymoo had the exact same defense from SCM on behalf of Lloyds. It looks as though they're keeping an eye out for any claim that does not include a schedule of charges - IE: claims entered through Moneyclaim online, and entering this defense as a stalling tactic. I did write up a nice long letter for Mollymoo to send to the courts along with a copy of her schedule of charges, but to be honest it's not entirely necessary - as Cat has advised, just send a copy along with the AQ, and perhaps a brief covering note. You may also want to drop a note to the courts informing the judge that Lloyds have already had copies of your schedule of charges in the first two letters you sent them.

Okay, okay, it didn't take me that long to total up the charges Been a bit of dithering on the behalf of mother dear. She's decided to go for it, so prelim went off first class recorded Monday for £745. Here goes

Absolutely superb letter, guys. Time to watch the buggers squirm Ref: Your earlier question about Lloyds and the CRAs, I can confirm that Experian certainly list them as LLOYDS TSB BANK PLC. I even have a defaulted credit card dating back to 2001 (Which I'd completely forgotten about, time to start reading up the various CRA threads!) which just drops the 'PLC'.

They might be an evil bunch of swines when it comes to penalties (amongst the highest charges), and their telephone banking/callcentre staff in Mumbai are (in my experience at least) more often than not very rude, difficult to understand, and with a habit of talking over you and ignoring what you say, but... (!) In Lloyds defense, they are on fairly good form when it comes to sending documents etc out to you, and their online banking system is one of the better ones from what I've seen. Certainly 100x better than Barclays!

... shame the courts are closed on a Saturday

Just to interject some light humour into the thread: Yes, it's been a while! I really need to get my head out of the gutter

Bear in mind it's 28 days from the notification of service un1boy - Lloyds filing an Acknowledgement of Service simply means you can't file for a judgement automatically after the initial 14 days from the Notification of Service.

Erm, didn't I post a response to this thread once?

... and back up to the first page

Hi Carl, First of all - you'd be best off starting your own thread to ask questions/post your progress in Head over to the Bank Templates Library and have a look at http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html. Should do what you need.

Excellent stuff Brecken, well chuffed for you

Yes. Click on the 'reload vs Lloyds' link in my signature, it's on page 2 I believe

Up to you Princess. (Been a while since I got to say that!) Ideally though, yes. At least that way you'll be secure in the knowledge it has arrived. (Although saying that, I still don't have delivery confirmation on an SAR I sent to Lloyds on the 05/09. Going to be giving the post office a beating tomorrow!) Good luck!

Read the SAR template guys. It does state on there that should you find ulawful penalty charges you will be making a formal complaint

Up to you, I don't believe it should make a difference. I would return it ASAP myself.

Probably another 3-4 weeks Vicky. You'll get a copy of their defense along with an Allocation Questionnaire from the courts shortly.

It's not so much a case that the Ombudsman has so little power Princess Ivy, it's more a case of inclination I feel. Obviously I can't say whether they'd be inclined or not, but I'll let their action to date speak for itself.

I'd get it back ASAP myself, just to be on the safe side. However, I don 't think it really makes much difference either way.

Hi Harry (Class username by the way ) Normally, for a first poster I'd reply with: Best thing you can do is read and memorise the step-by-step guide though. Your next course of action, judging by what you wrote, is for you to send them the Letter Before Action. 14 days after that, you will probably need to file a moneyclaim online. Don't be disheartened though, it does take a lot of time for all of the information on this site to sink in. You may want to read a few other threads with 'Settled' or 'Won' in the title as well (My own is linked in my signature, for EG). That said, welcome aboard. We'll be here if you need us