Thanks for your speedy reply Slick.

need some advice please. My other half has a debt with barclaycard, been running for almost 4 years. He's always paid on time, and every year a letter from them arrived to say 'due for annual review' so, as his finances improved, has upped the payment. He thought all was running ok. The debt started at £3600 and has £990 left to go. However, today he gets a call from Calder Finance, please ring back...... He has never heard of these people, but rings anyway, to be informed that they have taken over his outstanding payments from Barclaycard, and that he needs to pay the full amount outstanding or be passed to a debt management firm. He explains that he has not been informed of this, and indeed has never missed a payment, and does not understand the reason for this. He tried to ring Barclaycard on the number on the last letter, only to be passed straight to Calder. They explained to him that the original debt was on a time limit to be repaid, and that that time had passed. Unfortunately, no-one told my OH about this, and had no idea that this debt was on a timer. They have insisted that he clears the debt in FOUR PAYMENTS OF £200+. I'm going to draught a 'very stiff letter of complaint' to Barclaycard, but would appreciate some thoughts. Many thanks

hi Jessyireland, enron and ellie it might be a good idea to start your own threads in the lloyds forum, i don't mind you being here, but as this is in 'successess' it won't now get full site traffic, and the more people who have access to your thread can only be of benefit to yourselves. i tagged this onto the end of my letter to the court:- However, I would like to point out the the solicitors acting on behalf of the Defendant - Sechari, Clark and Mitchell - showed blatant disregard for the courts directive in respect of not providing me with the appropriate papers prior to the hearing set 10th January 2007, thus leading me to the conclusion that they never intended to attend court, for defence of this claim nor any other of the similar claims going through the court system at present. Thank you for your time. Well, someone's gotta say something eh!!!! Regards

hi RCR At this moment, lloyds have made no move to close my account. However, if they do, i opened a bog-standard basic account with Nationwide several months ago, and i suggest that you do likewise. There are steps you can take to prevent this, by way of an injuction i think, but with the scale of claims we are looking at now, i think maybe it's just not in their best interest to close accounts willy-nilly. It may be different if you are severely overdrawn or owe them large sums of money, i just dunno, i'm no expert. Sorry!!!!!! There seem to be no conditions attached, and even if there were i would not accept them. I hope this is helpful to you, and all i can say is go for it, you've nothing to lose, and loads to gain. As you read through the different threads you will gain so much knowledge on all sorts of issues, and believe me, you will never be walked over by companys again. KNOWLEDGE IS POWER!!!!! You will also find help and support and a whole community of like-minded people. I wish you good fortune, not luck, coz the odds are in your favour. Regards

hi jazzy as i did not accept part settlement, i filed with the original amount claimed. if you have accepted partial settlement, i think i'm right in saying that this should be mentioned in your claim. You could always pm a site helper, or go into the chat room and ask, just to make sure. The settlement i mentioned in above post was from Lloyds, not Cap One. good luck with your claim. regards

having rec'd settlement in full from lloyds, i now have the money to file at MCOL. Duly done !!!!!!!! thanks to lloyds i'm off on holiday in april, so i'm hoping cap one will be providing the spending money. lol Regards

many thanks everyone, i've had a super week, smiling all the way to the bank!!!!!!! steven, i only got confirmation 5 days after the money went in. in fact, the money had actually been in my account for 2 days before i knew it was there. Good fortune to all who are still claiming. Best regards xxxxxxxxxxx

hi gary i never did receive a copy of their papers, even though i foned before christmas and reminded them that xmas closings would affect the deadlines. And i only received notification in writing of the settlement, with no conditions by the way, 5 days AFTER the money went into my account. That made a total of 2 pieces of correspondence i rec'd from SCM during the ENTIRE claim

HAPPY NEW YEAR EVERYONE And for some, it's already off to a great start!!!!! So let me tell you a story. I've not posted for a while as i was busy with work, christmas and goodness knows what, but now my new laptop is up and working (my steve bought it for me for christmas) i was going to sit a write a post about how disgusted i am that with only 3 days to go and i still have had no correspondence from SCM, but ...... this afternoon while clearing out the top-of-the-stairs cupboard, we came across a bag with the wallpaper in that i bought when i moved in 3 years ago. Being at a loose end this weekend and with no pennies to go browsing the sales, i decided to go to B&Q to get some paste and paint and make a start on the bathroom. So we decided on a nice deep blue for the skirting, and i thought i'd better check to see how much i had in my account and ...... i phoned the phonebank, entered my numbers and requested a balance expecting to find that i had maybe £20.00 to spare and instead i heard ......... the balance of your account is many pennies i've won!!!!!!!!! but i still have'nt had a single word from SCM.

many, many thanks for your kind words of support all of you. once i got my head round it a bit, it all seemed to come together and then i put the bundle together and made not a bad job of it, in the end!!!! the fact that my printer had gone Pete Tong, and i was a day late with the papers is now irrelevant. 7 squids in photocopies at the library, and a nice 'pleading insanity' phonecall to the court got those sorted. But they are there now, can't do anything til Jan 10th, so no point stressing about it til the 9th! Will keep you updated, especially if the banks DO send me a breakdown of their charges (lol). Have a lovely christmas everyone, may peace be yours now, and a healthy bank balance eventually. sincere regards

well, what can i say!? i've read the guidance notes, successful threads, and then more notes and now my head is swimming. i'm unsure and doubt my ability to be confident in what i say. i've practiced the logic, and it makes perfect sense to me, but what will happen in front of the judge. tongue tied. probably! the fighting spirit in me wants to say 'yes! bring it on, i'm ready' but the reality is more like 'please don't make me go in there' i've printed off the court bundle, but have i done it right? what paragraphs are relevant to me? it's so full of jargon and 'six words that mean one' that i could be printing the script from my little pony in japanese for all i know! i'm dead scared of going to court. i can't help feeling that i'm the one they'l make an example of. enuf for now, i'l pack my doubts in my handbag and hang it on the back of the kitchen door and just take what stuff i have to the court and hope it's right. christmas closing is not on my side coz although my date is 10th jan, i've gotta have the papers in by 20th dec because they're closed over xmas. here's hoping regards

quick update. am preparing court bundle to hand into court on thursday, coz just realised that due to xmas closing, my 14 days before doesn't give me a lot of time!!! regards

hi kkatie i'm at exactly the same stage, only my hearing is 10th Jan. Don't panic too much, i know it's scary, but there is a 'court bundle' sticky somewhere (no good at copy and paste, sorry) and this should give u all the ammo u need to have in case u should end un in front of the judge. Likelyhood is that you'll receive settlement before then. If this info is inaccurate, i apologise in advance, and i know someone will steer u in the right direction. be strong, good luck regards

Hi aurelius Welcome aboard. It doesn't really matter what address u use, personally i used the Colmore Row, B'ham address throughout. But if u send letters recorded, they have to be signed for and u can keep track of them online. Not too expensive either. good luck regards

hi there welcome aboard. Unfortunately, lloyds take it all the way to the wire, so be very patient and there'll always be support here for any questions. my sugestion to you is just read as many threads as you can, that way you'll know what to expect, and many questions u may have will probably have already been answered. Good luck regards

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/586-credit-store-card-letter.html

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/49816-lloyds-credit-card-prelim.html here u go nina, this is the one u want regards

hey u guys..... thanks for all your help. not been around for a while so here's a quick update. rec'd a reply from Mr Udy on 14th nov, only 10 days after prelim letter, offering to refund the difference between £20 and £12 charge. Am just putting together a 'no thanks, i'll have the lot' letter. i did think about accepting, after all £318 squids is not to be sniffed at this time of year! But then i thought, nah, it's my money and i want it back!!!!! so, here goes. regards

hi all. I've been away for some time, got a little despondant over this court business. But had a family wedding to see to, which went very well and took my mind off things for a while. Arrived home from Burton to a nice pile of letters, including two from the court. I've been given a date for my hearing on 10th JANUARY. Result eh! Thanx, freebird, i'm off for the rest of the week, so i mite just be giving SCM a tinkle!!!! I'm looking forward to the protest on friday, especially now i've got my fighting spirit back. See ya all there! Regards

would appreciate any comments on this please. Claim No. ******* Myself V LloydsTSB I write in connection to my claim which was filed on 26th Sept 2006, and the subsequent Allocation Questionnaire filed in this court on 12th October 2006. Today, 16th Nov, i telephoned the court to check the status of my claim, as i had heard nothing from either the court or the Defendant's solicitor. The lady i spoke to was having some trouble locating my file and offered to call me back later. However, i was about to leave for an appointment, and told her i would call into the court later to find out. Luckily, i had the presence of mind to pick up some of the appropriate paperwork to take with me, which proved very useful, as i was informed at the court that my file has been 'mislaid'. I was able to provide enough papers to make a 'dummy file' which the lady assured me would be put in the urgent tray, to be looked at on Monday. I am outraged at this situation, as this case which should, by now, be almost at conclusion, will probably not be given a hearing date until April/May 2007. The Defendant's solicitors, Sechari, Clark and Mitchell, are taking all the bank charges claims fully 'to the wire' and completely abusing the courts time as it is, and your staff have now contributed possibly another 6 months delay to this case. I consider this to be a disgraceful lack of due care on the part of your staff. Although i appreciate that the court system is overwhelmed with claims of this nature, it in no way defers from the point that I have paid £220.00 inorder utilise the services of the court to recover monies owed to myself, yet i am no nearer to its conclusion than i was 2 months ago. I would, therefore, request if not demand, that you bring this situation to the attention of the District Judge who will be dealing with my claim, and respectfully ask that instead of setting a court date for some time in the New Year, my claim be dealt with as a matter of priority and direct the Defendant's solicitors to offer settlement forthwith and without delay. As has been demonstrated by hundreds of previous cases of this kind, no bank has, as yet, stepped foot inside a courtroom to contest these claims but will usually wait until the 11th hour before offering settlement. I would also appreciate your comments as to how this oversight has occured. Yours faithfully

CONGRATULATIONS GARY oh and a very merry christmas!!!!!!!

oh yeah, WHUFC, of course i remember you. I'm with Maidstone court, but i hope you're having better luck than me. regards

i'm really cheesed off now!!!!!! After weeks of waiting patiently, as advised, i decided to phone the court this morning to check the status of my claim. And guess what? THEY'VE LOST MY BLOODY PAPERS Oh yes, she says, they should have gone before the judge as soon as we received the AQ from defendant, but we can't seem to locate your file. I'm FUMING to say the least. I was about to leave the house anyway to go see the bank manager (waste of time that was) so i told the lady i would pop in to see what was what. Luckily,i had the presence of mind to grab a handful of paperwork, so when i got to court she was able to take photo copies of both AQ's, and original (N149?) so she could make a dummy file up. 'I'll put it in the urgent tray, so it'll be looked at on monday' she says. Oh, ok thanx, but what date am i looking at now, i asked? 'About may time' MAY!!! BLOODY MAY!!!! For someone else's mistake!!! $%*&*^%$ So, what i would like to know is this. WHAT SHOULD I DO NOW???? Should i phone SCM and try to jolly things alongs direct, or would that do more harm than good? I'm definately going to write to the court manager expressing my absolute disgust regarding my lost file! i didn't have much luck with the bank either, so all in all i've had a really ****e day! :mad:

here's my opinion, fwiw! My advice to edinburghbeerbucket is give up on this subject, and then reflect on how utterly GRATEFUL you should be to BF and Dave for setting this site up in the first place. They could've kept quiet after winning their cases, or they could've charged you for accessing the BLOODY GOOD information that accumulates, not just about banks but consumer life in general. Add to that the buddies people make and moral support we receive it's worth it's weight in gold bullion bars, and i for one would be more that happy to NEVER KNOW how my donation was spent. Personally, i would'nt mind sending equal halves of my donation straight to BF and Dave so they can put it in their back pocket!!!! I begrudge them not a penny, and i'm not interested in the slightest how they spend it. I only read this thread because i could'nt believe ANYONE would have the gaul to actually ask the question. MY GRATEFUL THANKS TO BF, DAVE, ALL THE MODS, SITE HELPERS, AND ANYONE ELSE WHO CONSTRUCTIVELY ADDS TO THREADS ON THIS SITE. WITHOUT YOUR TIME AND COMMITMENT, WE WOULD ALL BE POORER PEOPLE (AND I DON'T MEAN JUST FINACIALLY).

Hi Alex, been having the same trouble myself, but this is how i understand it to be. Late Payment Charges - yes Overlimit Charges - yes the interest charges were where i go stuck too. I'm going to delete that part from my prelim letter (i calculate you have taken xxx in charges and xxx in interest) and just put in the charges. At court stage, i believe, you can claim contractual interest instead of just s69 8% but i think you have to have a masters in 3D maths to calculate it. LOL. If it is the same principal as the banks, then you only need send a schedule of charges at this stage. hope that helps. Regards