We have a debt that is spiralling out of control and now we have just received an interim charging order. It all began with a £4000 loan which has turned into £6000 and to be honest we just can't afford the high repayments due a change in our circumstances. When we took out the loan we did so with the understanding that no matter what, our house would not be involved but now it seems we may be on the way to loosing it. Its all so annoying as the company we owe the money to is the black horse, who we also bank with, and if they hadn't of kept on charging us ridiculously high bank charges every month then we wouldn't be in the situation we find ourselves in now! We now have 3 weeks to come up with something before we have to go to court. hope someone out there can give us some very much needed advice. (have been advised to post this thread here rather than the wecome one so it may be posted twice!) __________________ *HoneyBee* (

thanks. how do I do that?

We have a debt that is spiralling out of control and now we have just received an interim charging order. It all began with a £4000 loan which has turned into £6000 and to be honest we just can't afford the high repayments due a change in our circumstances. When we took out the loan we did so with the understanding that no matter what, our house would not be involved but now it seems we may be on the way to loosing it. Its all so annoying as the company we owe the money to is the black horse, who we also bank with, and if they hadn't of kept on charging us ridiculously high bank charges every month then we wouldn't be in the situation we find ourselves in now! We now have 3 weeks to come up with something before we have to go to court. hope someone out there can give us some very much needed advice.

hi, I've read a few threads where people have said they have sent their prelims and LBA's via email. Just curious to know if the responses have been the same as those sent via snail mail and also those who sent email did they also send through the post? waiting for a response from my LBA and have to say kerr-apping it.

thank you reload:) I'm ready to send my letter before action now. I feel a bit scared by it, mainly because I have such rotten luck typically that it'll be just my luck that they manage to squirm through a loophole just when I've posted the letter. I bet they do and I'll have to end up paying court charges etc..... I've opened another bank account just to be safe and started moving direct debits across. I know they'll close my account which is fine by me anyway, even though I know its unlawful for them to do this. Better to be safe. Walking to the post box at the end of the street right now, here goes

OHHHHHHHHH BUT i DUNNO HOW TO STICK TO ONE THREAD, i KEEP GETTING LOST SORREEEEE. I'LL TRY HARDER.

I sent my preliminary letter on 06/06/06 and today got my response which is a standard lloyds reply. Just wondering, before I send my LBA if lloyds are still paying out to their customers as there are such a lot of people requesting refunds that maybe they might have come up with a loophole or even starting to fight back? If I posted my LBA on monday, what should NORMALLY happen next and should I be concerned about any changes that may have been made during the last 2 weeks? Also confused about a line in their reply which states that they limit charges to 3 per month which doesn't make sense as I had a charge of £210 last July:confused: (unless they decided to up the charge to £70 each for their holiday money ) MOD NOTE: Threads merged - please stick to the one thread honeybee... and see bankfodders post above about confidence etc!! And other posts re: sticking to the process - which is well proven and worked...

to be honest I think you are probably right in stating that I lack confidence which I why I am asking for advice (I thought that was part of what this forum was all about!) But I'm not a total imbecile and I certainly don't need 14 days to read an email. thanks for your help.

I traced my account back 3 years online and I (for some reason) have my bank statements from 5 years ago so although i sent DPA off I have all that I need to send the preliminary request letter. Is it ok to hand it in at my local branch or should it be sent somewhere else? The anticipation is crippling me ! (total is £1987.05)

Decided to skip the DPA even though I posted today beacuse...... I went back 3 years of accounts online and totalled all charges and FORTUNATELY,,,,,,I have the years previously all stored in order in an old file !! Been through them and have all that I need ( I hope ) so i thought I'd go onto step 2. do you think this is a good idea or should I wait??

Is done, its posted. Hope I did everything ok. Hopefully this will open the door to the return of my £800 that they stole from me when I first opened my account 5 years ago but got fobbed-off and bamboozled by the jargon!!!! but I know they did for sure !

thank you lueeze I shall go and post it right away, fingers crossed.

hi. just wondering which template you used to email lloyds. I'm about to do the same thing. I went through searching my charges online last night and its amounted to £2354 and thats only for the last 3 years! and in one month alone last year my charges were almost £500.....sickening ! ta-ta

i have read them, several times and yes of course I understand that it could end up in court which is why I have requested some help. I only know the last 3 years of charges so I am aware that I need to send a DPA letter but where to??

I don't know what to do next. I've read the preliminary letters so do I now just choose one and pop it in the post? I can't belive it's that easy, I must be wrong!