Don't worry. SCM will hold out till the last minute and then settle just before the court date. If the account is now closed then they will send a cheque. SCM don't seem to bother to prepare a court bundle or anything although they expect you to. From what they said on the phone to us, they only contact Lloyds a couple of days before the court date is due to get permission to settle. Padders

Hi there I'm claiming £6,426.16 from GMAC. Ok will try and find the LBA letter and send that off today. Thanks Padders

HI there I'm at the same stage as you, have written first letter using template from on here, had reply back saying no and now I'm not sure what to do next. I won't be able to afford the court fees to take GMAC to court until I've received the rest of my bank charges refunds but I'm sure I should write another letter of some sort but not sure what? Padders

No I didn't send the above letter as I only realised last night and there wouldn't have been time. Just checked my account and the money is in there. Next stop is to take Barclays to court for £930. Thanks for your help. Padders

Sorry to hijack this thread but we need some help. We are due in court with SCM on Monday 29th January at 2.30pm. We have not heard one thing from SCM during this whole process and the Generla Form of Judgement or Order states that they should provide us with a copy of their court bundle witin 3 weeks of 20th November 2006. We called them last Friday, they didn't even seem to know that they were due in court on 29th jan and it sounded like our file was at the bottom of a very large and dusty pile, it took them so long to find it. Anyway, we offered them the chance to settle last Friday, they said they had no instructions to do so from Lloyds and we said OK, see you in court. What should we do now?? Should we point out that they haven't submitted their court bundle (I'm inclined no to) or just go to court and make them look stupid when we point this out to the judge?? Padders