Really hope someone can advise me on this.
I have received a court summons and I am not sure what to do.
I have checked the default notice, have a copy of the agreement, all look correct.
What I am trying to do is avoid a CCJ.
As most will know Lloyds are one of the worst creditors to deal with, my brief history:
Sent a letter requested interest to be froze and make lower payments. Recieved a letter refusing this as apparatley I could not afford what I offered. This was down to complicated income and expenditure, the system did not have the right boxes! However phoned them and tried