How Bizzare Is it probably best to confirm in writting and say "as my account is in dispute I wish not to discuss the areas until the dispute is settled" Probably get better wording to the above from site helpers zak jhenry

So didnt actually get to see the Bank Manager due to the bank manager giving me a call. He confirmed that he would speak to the solicitors get the confirmation he needed and get the money into my account. This was yesterday and Ive just logged onto the tinternet online banking and the money is sitting there - what a wicked feeling!!!!! So turns out that the new Bank Manager (started yesterday at my Local Branch, honestly) that his first job was crediting my account with the unlawful charges, so the feeling just got better!!! :D Thank You all and keep in there Vix8180 xx

So having spoke to SC&M on the 15th December for them to confirm receipt of my acceptance (althought faxed) Which they did. (the original signed letter sent by post on the 14th and received by them on the 18th) Still no money in the account. Called SC&M and apparently the file cannot be found at present and someone will call me back. So I spoke to my local branch after having spoke to every deaprtment at Lloyds first. I asked to see the Manager and I am due to see him at 1.00pm today. Although he will know nothing about the case he want's to see the settlement letter and any other correspodence available that I have. The reason for me doing this is its now been 16 days since they received signed letter. Ok -3 days holiday (well thats all Ive had). So its now 13 days and their letter confirmed 7-10days, and if no one wants to talk to me Ill persue it going thru my local branch.

Hi Zak Hows things going. Ive recently received my settlement letter from SC&M . Just waiting for money to go into account, once done ill be donating. Hows your claim going at present have you had any notificatin form SC&M yet I hope all is going well

Thanks Barty Gary, just a quick note to say that my thread has not been applied to the Lloyds successes. Thanks all jhenry:-D

I sent a PM to Bankfodder asking to move thread to successes. Im hoping I havent jumped the gun. Just called SC&M asking if they received my fax confirming my acceptance and money will be there the usuall 7-10 day.:grin:

A specific thank you to you also Gary. Your help and guidance has been great.

:grin: Cracking Had settlement leeter from SC&M yesterday for full amount and interest and additional cost. So an absolute big thank you to this website and site helpers and others who guided me thru Thank you and as soon as money is in the account I will be sure to donate :grin: :grin: :grin: :grin:

Not a problem, much appreciated Michael. Ill sit and wait for court directions Thanks

Garyh I had in mind to send the following, would it cause much harm in sending. I know you said best not to but appreciate your view "Without Prejudice" Mr John Hxxxx 87 xx xx Cxx xx Romford Essex Rxx xxx Case No 6QZxxxxx Dear Sechairi,Clark & Mitchell, Thank you for the Defendants copy of the Allocation Questionnaire of which I confirm receiving. I have already sent you a copy of mine covered by a fax letter dated 4th December 2006 and also by recorded post on 5th December 2006. I hope you received it, if you haven’t don’t hesitate to call me on 077xxxxxxx Mon-Fri 09:30-!700. In receiving and analysing the defendants AQ I see the Defendant has not wished for a month’s settlement by informal discussion or an alternative resolution. I am disappointed your client has not wished to settle but if the Defendant was to settle before documents are exchanged a lot of paperwork would be avoided from both parties. Also should this go to court the Defendant may get some unnecessary publicity. I personally believe that litigation should always be a last resort and would of course have been happy to settle this matter without the need for a court hearing. Please be advised, that I am completely confidant in the strength of my claim and believe that your clients charges could indeed be proved to be unlawful penalty’s which you are trying to cloak as contractual service charges. For this reason, I will only settle for the full amount of the claim. Should the Defendant decide to settle this before court, my claim amount is as follows:- Bank Charges 16/11/2000-02/10/2006 = £39xx.xx + 8% Interest pursuant to S69 of the County Courts Act = £47xx.xx Court Costs (Claim)120+(AQ)100 =£220 Total Amount Owed =£49xx.xx A copy of this letter will also be sent to the court.

Yer I saw that, that small town Bovinhton (or something) really went for it. That fella Steve Horne sounds like he started the ball rolling. I dont know if he gained knowledge from this website, but thru doing his Law degree he picked it up from there. Not to sure about these banks coming up with the answer back to say that its now not a penalty is a service charge . Still sounds like the OFT are on our sides and pushing for some answers. A very interesting watch, and great to be apart of.

No problem Gary much appreciated, your advice is sound enough for me. I will wait and see what the directions of the courts are. Thank you jhenry

Ok thanks Michael, so is it more of the case of approching them and saying something along the lines of "look from source I know that in past cases you have wished for a period of time for settlement. Why in this case have you not, knowing that the majority of cases against you, you have chosen to settle before a court hearing date. Thus delaying the case even further, additionally incorporating more interset under the section 69 of the county courts act and generally waisting the courts time. So by the above do you wish now to enter into diologue and resolve the claim other than that I am happy to sit and wait until the court hearing date". Like I said something along the lines of but the above being very brief.

So received Lloyds TSB AQ, but in section A they have ticked NO to wanting a month to enter into settlement and also under section G "The defendant intends to rely on its defence and the terms and conditions that govern the account". Could anyone advise me if this stops me from sending or entering into diologue with them about settlement, please. Only thru reading other threads Lloyds seem to tick the yes box here. Thanks

No news yet, got my AQ in at court on the 6th Dec, was expecting to see SC&M by now but nothing in post. As soon as I do receive I will enter into diologue with them i.e. faxes followed by phonecalls, as no doubt they will want a month to settle or negotiate, I hope. (the normal stuff ie other threads). Just really keeping an eye on earlier subscribed threads and making note of the letters/faxes that have been sent. Keep you posted, and like wise