So after a 7 month battle with Lloyds before they agreed to settle....... 2 letters to A & L and less than 10 days after filing my small claim online.....I not only get a letter from Optima saying that they want to settle....but a cheque for the amount I was claiming. 2 points tho in the letter I thought worth mentioning. 1) they say the basis of my claim was that it appeared to them that I shouldn't pay any charges at all.....not true. 2) i will be contacted shortly by A & L who will discuss the future operation of my account. **there's no mention of waving my right to any future claim. so if they don't close my account can i claim in the future?

Money paid and in account. The payed it into a different account than the one stated on the settlement letter, doh!

Just got a call back and the money went into my account yesterday? Will see if it shows up tomorrow and if not, another phonecall is in order.

Letter dated 3rd Jan. I signed and posted back. No sign of the money yet! Called them and they're gonna call me back!

Anyone any idea what is a reasonable amount of time to wait from signing the agreement and actually receiving the money?

Not sure if they have notified the court, I have in a letter I'm sending them. Now next on my list Alliance & Leicester hee hee

I'll be notifying the court this week. It was only the stay period which had expired, a date hadn't yet been set for court.

Hey Hey Hey! Guess what? Suprise suprise! One day before the deadline from the court....i got a letter. We still think we're right but it would cost us more to goto court. Sign this letter and we'll say no more about it! WIN WIN WIN!!!! I'll post the req etc after I get my money p.s. anyone else feel like they're not getting anywhere.....keep going!

Guess what? No reply from SCM. Another letter on it's way on Monday. Got recorded delivery too so they can't dispute not getting it!

Good call. The stay is only a month away anyway and if I show willing, come January if Lloyds don't settle, the Court can let rip. Nice letter that! If I need to produce the cases against Lloyds that have been settled out of court, is that do-able? Many thanks, David.

I'm fighting my corner at Salford County Court. Johnson vs Lloyds TSB. Received AQ from SCM on 10/11/06. - Lloyds applied for a one month stay which was granted. Sent letter to SCM & court on 20/11/06 saying I was suprised they had requested a one month postponment.......etc etc.....all the way thru they have given no indication that they wish to settle other than litigation. Court order from Salford CC on 28th Nov. 1) the action is stayed until Wednesday, 10th January 2007, during which period the parties shall try to settle the matter or narrow the issues. 2) By 4pm on Wednesday, 10th January 2007 the Claimant shall notify the court in writing of the outcome of negotiations (without disclosing any matters which remain subject to "without prejudice" terms) and what, if any, further directions are sought. Failure to comply with this direction or to engage properly in negotiations may result in the application of sanctions. If settlement has been reached, the parties shall lodge a consent order signed by all of them. 3) Because this order has been made by the Court without considering representations from the parties, the parties have the right to apply to have the order set aside, varied or stayed. A party wishing..bla bla bla N244 with fee etc etc. So.....I guess my question is....should I attempt writing to SMC and asking if they're prepared to settle my claim [of which we know the outcome already] or apply for the stay to be removed? Many thanks in advance.....I'm quite stuck at this point and need some good advice!

Ok so AQ's exchanged and letter sent to solicitors and court saying that I was suprised by their request of a one month stay from proceedings and so far they have refused to negotiate to date. The stay was to expire on 6th December. Today I received a court order saying the Judge has looked at the paperwork and has extended the stay of action to 10th January 2007 - during which period the parties shall try to settle the matter or narrow the issues. Now from experience and knowledge gained on the forum - I will hear nothing from Lloyds during this time, so........ Should I apply to the court to have the order set aside and include a copy of the letter posted by Bankfodder, which talks about Human Rights and other cases etc? Look forward to your help

Well it's been an interesting experience and learning curve so far. I've written to Lloyds, done the Moneyclaim website and Lloyds are still claiming that the fees they have charged me fall under the Terms and Conditions of the account and therefore cannot be called penalties, thus not being illegal. It's Sechiari, Clarke & Mitchell dealing for Lloyds who I've had dealings with in the last 6 months after I passed my £7k of current account debt onto the Consumer Credit Council. They are tough cookies with no understanding and sympathy to a persons circumstances. I've filed my court questionaire and today received a copy of theirs. They state they are sticking by their defence but will not be able to attend court during the month of November. They're asking for a copy of my court questionaire.....should I supply them with this? [under the other information in mine i put "i believe this case will last no longer than 1 hour".] At this point I feel it's a question of nerve.....moral support peeps pls! :-|

Well it's been an interesting experience and learning curve so far. I've written to Lloyds, done the Moneyclaim website and Lloyds are still claiming that the fees they have charged me fall under the Terms and Conditions of the account and therefore cannot be called penalties, thus not being illegal. It's Sechiari, Clarke & Mitchell dealing for Lloyds who I've had dealings with in the last 6 months after I passed my £7k of current account debt onto the Consumer Credit Council. They are tough cookies with no understanding and sympathy to a persons circumstances. I've filed my court questionaire and today received a copy of theirs. They state they are sticking by their defence but will not be able to attend court during the month of November. They're asking for a copy of my court questionaire.....should I supply them with this? [under the other information in mine i put "i believe this case will last no longer than 1 hour".] At this point I feel it's a question of nerve.....moral support peeps pls! :-|