Sort of buried my head in the clouds so have not informed Lloyds of any personnel issues just in case the close the account and demand repayment? Cant get credit file to go back that far to see if there were any defaults at the time of the overdraft agreement but there is payments to payday loans on the statements? I will send a letter of irl complaint to Lloyds and wait for a reply then post back. G

Hi everyone Just trying to tidy up some debts that have accumulated over a number of years. I have an account with Lloyds Bank and in 2017 I was using the account to fund online gambling which now I know that I had an addiction to gambling and was being sucked into the dark side of escalating debt problems. The account shows a vast amount of betting firm transactions over a number of years and clearly shows that the account was being funded and used form that sole purpose and then in 2018 Lloyds allowed me to have an overdraft facility of £3000 and to this day the account has remained at is limit and I am only paying back the daily interest amount accrued monthly (£4 per day approx. £120 per month). I have read a few threads regarding irl and with some help and guidance I would like to start this process with Lloyds and don't want to do it wrong?? To get to first base do I contact Lloyds and make a complaint to them and see if they will act and sort to save a long drawn out process and would this be a letter of complaint on the account? Any assistance will b e appreciated G

Gotcha dx thanks, “a matter already judged” and now Moneyboat blocked. shame about the default though!! G

Thanks dx do you think I have a case for IR? is there anything I need to do or prepare whilst this sits to be processed. Do I inform Natwets that I have passed this on to FOS? owed

Ok no problem, thank you for the assistance and advice as always Donation confirmed by PAYPAL Thanks G

Hi Any way of donating with out putting in all my personnel details? Thank G

Hi hope you are all well I have finally attached the court response letter from the Judgement order hearing. Thanks G Claim Struck out -General Form Of Judgement.pdf

Hi Been a nightmare trying to get hold of my local courts they just don't answer the phone and when I ring during the day at work the best iv been in the queue is number 45?? After many emails to the court I finally had an email response yesterday to say that I will receive an update on my case within the next 14 days!! So fingers crossed I will have some news to report back with.

Thanks Andy Yes sent all the relevant documents and sent a not attending letter in time also? Just checked MCOL again and nothing there stating default judgment for claimant! Last entry says claim transferred to local court?

Ok will do dx. Just checked MCOL again and nothing there stating default judgment for claimant! Last entry say claim transferred to local court?

Yes my local court where the case was listed. Had a look on MCOL as well but I don’t know if that gets the court information added to the report? Just strange no communication !

Hi lee tried a few times but just keeps me on the line in a queue forever? Would have thought I would have had something from with courts or claimant saying what the outcome was especially from claimant if they had won !!

Hi, Just updating and trying to find what could be happening with the court claim? Ok court date in November come and gone, as above Moriarty used CPR 27.9 a week before I was told i could not get the time off work to attend I sent a letter to courts informing them just in time saying i would not be attending but all documentation was submitted! Since then I have hear nothing from the courts or from Moriarty saying what happened to the case, is it because of the court backlog or has it been relisted due to either side not attending? Im just still biting my nails as to what the outcome was! Thanks G

Hi Attached all 4 redacted fixed sum agreements. Thanks G Fixed sum loan agreement 1.pdf Fixed sum loan agreement 2.pdf Fixed sum loan agreement 3.pdf Fixed sum loan agreement 4.pdf

#80 fixed sum load agreement, i posted 1 but same for all 4 loans listed but obviously different amounts documented? also page 14, point 3.3 is interesting? #66 SSL default notice disclosed in their witness statement! Thanks G Hi Let me know if you want all 4 agreements but they are all standard just loan amounts the only difference? Thanks G