Hi, ive just been reading your posts about mobiles. Im with the utility warehouse and so is all my family. If you already have a mobile phone you can simply have a sim card it will cost £8 month line rental 8p a minute, 7p a text and there is no contract so you can cancel at any time. Otherwise you can order from a choice of free phones that will have a short contract this will be £14 line rental while in contract but will automatically drop to £8 per month when contract has finished. The same 8p a minute and 7p a text applies. They also allow you to put a block on the phone i think the minimum block is £15 and if your son reached this they would contact you and only you could give permission to up it. One of my family members is a distributor its worth having a look the website is: Richard & Melanie Curtis - Independent Qualified Executives - Telecom plus Goodluck with whatever you choose, ive been with many different companies but i cant fault the utility warehouse.

Thank you! Its taken a good 6 months from the start to get the settlement but i would have happily taken it all the way to court, the banks are wrong and they know it. I will be making a donation. Good luck with all your claims, Im now looking into loans, credit cards etc thanksx

Hi all, Received Letter last Tuesday stating they would settle Full & Final the total claimed inc int £5887. The terms on letter were things like you must keep your bank account with us and make sure dont use overdraft etc Ive replied accepting but have not cancelled court proceedings till i have the money in the bank - which i still havent received as yet. I would like to thank everyone for there help and advice. Im now going to start my next claim on another account with Lloyds! I also have a blackhorse Loan does anyone know if i can claim charges on loans? Thank you all izzxx:-) :-) :-)

Hi Guys Thanks for messages, Ive spoken to the court and had a letter through confirming my court date is on 7th December 2006 - little concerned but i will take them all the way to court. How can the bank justify taking £5k inc interest within 4 years for charges, im so angry with Lloyds infact i hate them and would never use them again, it almost feels like me and my husbands hard earned cash being ***** or poured down the drain. I want my money back just like everyone on this forum and i will take them to court even if its just to make a stand and get my point across. izzthewiz x

Hi guys, I said i would keep you updated recieved a letter from county court stating a hearing will be held in small claims court on 7th December 2006 - oh my god!! Im nervous and excited. Im hoping they will pay up but i will take them to court if need be, they are the reason im in debt and i want my money back. Anyone who has been this far any advice would be great thanks izzthewiz

Hi everyone, I havent posted for quite a while. I sent my allocation questionnaire in what seems months ago now and 11/08/06 received a notification of small claims track form court. It states that the hearing will be set by my local court and should take no longer than 2 hours also tell me how to prepare documents etc. I have not heard anything since from Court or Lloyds - Does it usually take this long? Im angry at lloyds as ive had loans to cover overdrafts which i feel is due to the snowball effect of charges. I now have big overdrafts on my accounts that lloyds are doing everything to get money off me - i just wish they would pay up what they rightly owe me and then i will clear the overdraft. Anyones help, advice or opinion would be great thanks x

Hi everyone, Im new to this forum but have followed everything step by step, ive now filled out my N150 allocation questionnaire as my claim with int is £5372.51. I have 2 accounts with lloyds and thats just one of them i will be starting my other claim soon, ive got myself into such a mess with loans etc and its all to cover my overdrafts which has been due to these charges. Ive just had my first child and could really do without money worries. I feel lloyds are the reason im in this situation now. Ive seen that recently people have been getting there settlements so 'congratultaions' i just hope i get one too - can anyone tell me roughly how long this goes on for after youve sent in the allocation questionnaire?? Thanks izzthewiz