Crumbs..never guess what!!! I have to tell the story or you wouldn;t believe it. Daph went to town tonight for a girly night out. She took an old handbag and her normal purse but didn't take her card wallet. She ran out of money early on and dipped into her bag only to find no card wallet, but an old card wallet with one of her older account cashpoint cards in (still valid). She doesn't use the old account much, few times a year sort of thing as a back up..you know somewhere safe to put a few quid where there's no overdraft to eat it up etc. Anyway, off to hole in the wall and you would believe it..Lloyds made full settlement into that account (which is not the account she was claiming for) on 8th February which is day before the court case, they paid everything in the claim plus court/MCOL charges on top. They never told her, no one has ever written..just really weird. Anyway, she's still on her night out, I can imagine it may go on into the wee small hours. She says I can take her to PC World next week to get her a PC and get her online and she will register here and say thanks personally and make a donation. Now that's all done I will get round to starting my own claim. Also as I'm in the middle of remortgaging I will be looking to claim back arrears charges from Future Mortgages real soon as well I would like to say many thanks for the support, the community spirit here is incredible...well done to everyone

Thanks Gary..we'll get on it

Quick update. Been 2 weeks since the court date and still nothing from Lloyds or SCM. We rang the court yesterday morning and asked what we should do and the lady said all we can do is write to the court and say the claim has not been settled. We then rang SCM, a pretty abrupt chap said he could not look at the files as they were in crates as they were moving offices. We told him we would submit a letter to the court saying the claim was not settled and would be applying for additional costs, his reply was simply 'Whatever'..not very impressed with that reply. So what is next step. The 14 day period has passed since the court date, no communication from either company, is it simply a case of dropping a letter into the court and letting them know that nothing has happened? Will the court take care of things from here on in? Any words of advice would be appreciated

Just got back from the Court. The Judge said that she was surprised we (well Daph) had turned up as they had received a letter from defence saying they would settle the claim within 14 days. She also advised if the claim is not settled within 14days the case will continue and to contact the courts. What is the best way forward now? Should we write to SCM and advise of the whole amount of the claim including up to date interest (as it is ongoing till paid up) as well as a break down of court costs and other personal costs (time off etc)?

Morning I rang the court this morning to find out if Lloyds have sent anything in (as no settlement yet) and the lady told me they received a letter yesterday asking for a 14 day adjournment. She said the Judge would consider it at the hearing this afternoon..is this usual? Anyway, we're all ready, everything bundled up nicely. I'll put up a rely later when we get back to let you know what happened.

crumbs, that was a manic couple of hours Anyway I have prepared a Statement of Evidence as well as a Basic Court Bundle..but I do have a couple of questions. On the Court Bundle, what is 'Correspondence' referring to, top of the index? Hope that isn't a silly question. Also on Court Bundle should you supply copy statements as well as a schedule of charges , listed 2 & 3 on index

thankyou guys

thankyou

HELP PLEASE.... Really need to know what she should take with her tomorrow. The wording about the hearing is shown above in it's entirety so there are no directions and nothing was asked for previously, does this seem odd. I have trawled the forums and have not found another thread about a prelim hearing in this manner..

No words of encouragement or advice? Pretty please

Doh..worth a thought Thanks for the prompt reply and many congratulations

On the subject of Contractural Interest, if a claim was submitted and has taken months going through the motions (like it does) is it feasible to charge the Contractural Interest rate from date of claim bearng in mind most claims will only have been made originally using the 8% rate? I realise you cannot suddenly change the interest submitted in the claim but as you can charge interest up until the time the claim is paid can you charge the higher rate (if you see what I mean).

Okay, it isn't 7th Feb it's 9th Feb, so this Friday. I have had a look through various threads here and haven't seen anyone with the same paperwork wording that she has. It is on two sheets that arrived together back in december. The wording on the first notice:- General Form of Judgement or Order Upon considering the court file IT IS ORDERED THAT List for preliminary hearing to consider evidence on time estimate on first open date after 7 days, time stimate 15 minutes See attached hearing. The wording on second notice:- Notice of Hearing TAKE NOTICE that the Hearing will tale place on 9 February 2007 at 1.00pm When you should attend 15 minutes has been allocated for the hearing Please Note: This case may be released to another Judge, possibly at a different court. Can someone please shed some light on this? Is this a proper hearing where an outcome can be expected. I'm pretty confused and Dappy (Daphne) is getting the jitters.

Right, date is nearly here. Can I ask about court hearings? The hearing she has is on 7th Feb but is a Preliminary Hearing, I take it this is different from a normal hearing. Can anyone shed any light on this and what she might expect? I may even go with her for moral support

How bizarre, after waiting this long she got a leter in the post this morning from the court saying date set for a hearing of February 7th 2007. Anyway to get this moved nearer or is it a sit back and wait affair?

sorry, not acting on her behalf, just helping her through the process as she isn;t really PC literate. The fees we were thinking of were the £100 fee when submitting the AQ to the court, as the figures would have already been done. I'll get her to ring the court on Monday morning. Many thanks

oops..also, how do the various fees get added to the claim, things like £100 filing fee, MCOL fees etc?

Hi guys I'm helping a friend go through this process against Lloyds before I start my own case. She has got to final stages (I guess) and filed AQ into the court on 4th November paying her £100. She has heard nothing since then from anyone, what should happen next and should she chase anyone up. She had received the usual tosh from Lloyds solicitors with their AQ, which stated they would not be available for court during November.. Also (I did do a search but found nothing) what happens with any charges since her original claim. She has approx £300 in charges since putting the first claim in back in July, can she add these to the existing claim or best to wait till this one sorted and start again? I'm looking forward to sorting mine out very soon. Thanks in advance. ps. I'm helping her cos she is not on the net at home (yes, there are still people who do not surf, how do they survive lol)

After a bit of searching I found the answer the schedule goes with questionairre when it arrives.

When filing a Moneyclaim action online how do you attach a schedule of charges? Hopefully not a silly question

Hi guys My first post here so please be gentle After 8 years self employed, I had to close our retail business in Feb this year so of course I became unemployed. I signed on, as I was supposed to, this was more of a formality than anything else as it helped sort out Inland Revenue with tax issues etc. Anyway, I received letters stating I was not entitled to any benefits as my NI contributions only covered NHS/Pension and not state benefits so I didn't bother to continue signing on. So I worried, then saw a copy of my mortgage statement for the last year which showed a PPI being added to my balance each month at a rate of £50+. I checked this with Future Mortgages and they said I had PPI and should be able to claim on it. I contacted Cassidy Davis and completed a claim form. One of the stipulations of making a claim for unemployment is that you sign on with the job centre. I stopped signing on when I heard they would not pay me any benefits and then went to recruitment agencies instead (online and high street), naturally I have records of this. So, basically they are telling me I cannot claim. On top of this, I honestly do not remember taking this policy out and if I did I have no records or paperwork anywhere. The money seems to be added to my mortgage account (total outstanding not monthly amount I pay) so I would not have noticed the funds coming out of my bank. This all sounds very iffy. Any recommendations as to the next stage, I have already asked for a signed copy (by me) of the original agreement and a set of terms and the schedule/policy. I would estmate they have had approx £3000+ so far...