Yes my case against Lloyds is on the 21st December. I didnt fill in a AQ as I won the case by default but due to not knowing what to do Lloyds had the case set aside (5th September). I will prob phone SCM again on Monday to see if they will be representing Lloyds. As I live in Cardiff I will be going to the hearing on the 21st. The only thing I can think of that the bank will kick off about is the interest on the overdraft charges.