Hi Christina & Mindzai, Thanks for the support. I think that's what I needed a bit of reassurance. Will keep you updated Kind Regards Katie

Hi Christina, I'm just getting a bit jittery I think. It looks like most people are getting they're refunds apart from me ! I am willing to stick with it though, if you think that will be best. Kind Regards Katie

Hi, While i'm on the subject of interest, I was just looking at the link by Louisemounsey Advised by SCM to ask for early settlement . She has put together a letter to SCM to enquire about an early settlement. This extract..... My initial claim was for £217.09 plus court costs of £30 and a daily interest rate of 0.042%. I would be prepared to accept a settlement of £231.98. This is the total of the initial claim, the court fee and the interest to date. I am going to copy the letter and add my own information but I am getting a bit confused with interest, daily rate etc. The charges I am claiming for are 3046.50 plus 243.40 8% which totals 3289.90. I will add the 230.00 court costs but am not sure what my daily rate is and when it should be applied from. Hope someone can help !! Kind Regards Katie

Hi, While i'm on the subject of interest, I was just looking at the link by Louisemounsey Advised by SCM to ask for early settlement . She has put together a letter to SCM to enquire about an early settlement. This extract..... My initial claim was for £217.09 plus court costs of £30 and a daily interest rate of 0.042%. I would be prepared to accept a settlement of £231.98. This is the total of the initial claim, the court fee and the interest to date. I am going to copy the letter and add my own information but I am getting a bit confused with interest, daily rate etc. The charges I am claiming for are 3046.50 plus 243.40 8% which totals 3289.90. I will add the 230.00 court costs but am not sure what my daily rate is and when it should be applied from. Hope someone can help !! Kind Regards Katie

Hi Lucid, Thanks for that. It's handy to know for next time. Kind Regards Katie

Thanks Barty ! If I send a fax off tomorrow, shall I address it for the attention of this Miss Lewis and see what happens or shall I just address it to 'to whom it may concern' ? Thanks

Hi Everyone, I am awaiting my court date, scheduled for 15 March and always like to have a scout round to see what everyone else is up to. I've been hearing a lot about contractual interest, what is this ? I am claiming the 8% only, is this something I need to know about. Kind Regards Katie

Hi Molly, I posted my documents by Special Delivery. Although I have had a look on the Royal Mail website and it does say they have been delivered, I just wanted to speak with someone regarding a settlement as it seems if you badger them a settlement seems to appear ! Do you suggest that I fax them then ? If so, have you got a fax number I could use? Many thanks Katie

Many thanks, I've got that one and got the same response but i'll try it again today !

Hi Everyone, I'm just going to ring SC&M to check that they received copies of my documents. Does anyone have a direct line to the department I need ? Many thanks Katie

Hi andy, So where does that leave you then. Does that mean that you have won your case as they have failed to send in the correspondance ? It seems to me they don't know what they're doing half the time. Kind Regards Katie

Hi BL, Many thanks for your reply. I did send the documents by special delivery so I've just been told tht I can check this online for delivery details. Hopefully I should receive a settlement offer soon, (fingers crossed) Kind Regards Katie

Hi,Everyone, I have filed my documents at court and sent a copy to SC&M. I called SC&M to see if they had received my set on 22 December and was told that they couldn't find my file. I called again later on and was asked why I was calling. I said it was to make sure that they had received my copy of documents and was told I should'nt be ringing them and not to ring again ! Does this seem the norm ? Thanks Katiew

Many thanks for all the info.... I could kick myself that I've not kept the letters but hey, i'll send evertything else Cheers and thanks

Hi Everyone, I'm just gettibng all my documents together to put forward to the court and have been reading the different threads on what to include. The thing is , although I kept copies of all my letters that I sent to LTSB, I didn't keep the letters that they sent to me. Do you foresee a problem ? Many, many thanks

Your'e all fab, thanks ! I'll let you know what happens....

Here goes.... GENERAL FORM OF JUDGMENT OR ORDER Before District Judge Young sitting at Sheffield County Court. The Law Courts etc..... Upon the Courts own motion. The court has made this order of it's own initiative without without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it. IT IS ORDERED THAT The defendants do file and serve copies of all relevant documents by 4pm on 29 December 2006. Basically is this something I need to worry about ? Kind Regards And many thanks

Hi Everyone, I've today received 2 letters from Court. One is a General Form of judgment or Order which states ' The court has made this order of it's own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days.' - I'm presuming I don't need to do anything for this ? The other letter is a Notice of Allocation to The Small Claims Track (Hearing). This goes on to satet the date, time etc of the hearing. It does ask for documents on which I intend to rely on to be sent to the court 14 days before. The hearing is dated 14 March 2007. - Again, I'm presuming nothing needs to be done yet ? Any help would be gratefully received as I'm now getting a little shakey at getting this far... ! Many thanks

Many thanks, I will do that..... They've got Nov/December to receive it anyway. Also, forgot to mention. On the AQ filled out by SCM, they said they have a witness other that themselves. Has anyone else had this and if so, who would this be ?

I received a copy of the AQ from Sechiari, Clark and Mitchell yesterday. Conveniently when asked of any dates in which they are unavailable they put November/December 2006 ! Thanks for that.... Anyway, in their AQ they've ticked no for any settlement....blah,blah,blah But they have asked for a copy of my AQ. Now I didn't take a copy and presumed the court would send a copy on to them. Would I be able to get a copy of my AQ from court, if not what should I do ? Many thanks

Thanks for that. I will do that.

Hi, I am currently pursuing a claim with Lloyds at the moment. Awaiting a transfer of court hearing to my local court. I received a letter this morning from Lloyds to say I have been charged £120.00 for returned direct debits as there was not enough money in my account to cover them. What would be my next course of action due to the pending court hearing ? Many thanks

Thanks for that Cillitbanger !! I was getting a tad worried. Will let you know how I get on. Katie ps A donation is on its way should I win, this is the most useful website i've ever come across.

Hi, I have followed the templates and guidance given throughout this site (brilliant site by the way) but when I calculated my spreadsheet of charges I included the 8% interest and sent this to them. I sent a copy with the prelim letter and again with the LBA. Have I cocked things up ? What do I need to do now ? I am currently at the stage where I need to be filing a claim against Lloyds TSB. Any help would be great. Thanks

Many thanks for that.... I'm now going to file court claims after the 14 days are up Will keep you informed