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About Nenastar

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  1. Thank you all! There are whispers of a brand new article being written for a bigger paper. Will keep ya posted!
  2. Lloyds settled my claim! South Wales paper did an article on it. Mentioned this site too. Here's the link for the article: icWales - Mum wins £1,000 in battle over 'excessive' bank fees Thank you all so much for all your help. I am so grateful! Nena
  3. Hi, Any chance someone could post SC&M's address for me? I've lent my defence with their address on it to someone who is looking at the case for me and I haven't written down their address. They seem to have several addresses online and I'm not sure which one to post a copy of my AQ to. Sorry to be a pest! Nena
  4. Hi, Haven't sent off the AQ yet (will do that in the morning), but had a "General Form of Judgment or Order" from Cardiff County Court yesterday, saying the following: "Upon the Courts own motion. The Court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it. IT IS ORDERED THAT: 1. Directions will be given in this case by the Designated Civil Judge, His Honour (Judge's name), on the 21st December 2006 at 10.30am at Cardiff Civil Justice Centre (then
  5. Hi Gary, I used this template: I sent the breakdown of charges to money claim after filing it, but didn't send it to SC&M. I shall however do as you have suggested, copy what you have written and send a copy to SC&M. Thank you... Yet again! Nena
  6. Hi Gary (and others) Well, as expected, Lloyds entered a defence. I'm a little confused about what they've written in it and was wondering if anyone could help me out? I could scan it in and email it to someone maybe. I know it's really cheeky asking this, but I feel I'm in the deep end here and I really don't want to lose to them at this stage. I've got until the 18th November to get my allocation questionnaire in and I'd really like to know what I'm getting myself in for before sending it off. Lloyds (or rather their solicitors) have mentioned something about the particulars of the
  7. Darn.... Confused again. Just tried to file a judgement (there still seems to be no defense made) and it says I can't do it. Claim was served 29th September. Surely 27th October is there last day? Says nothing about it being 28 working days.... Is it that they just do not update the records over the weekend?... Even so, the service should be automated.... Apparently, they can still put in a defense if I haven't filed a judgement, so even if they do eventually try to get a judgement set aside, I'd still like to get it done. Ahhhh, I'm confusing myself now... I'ma go enjoy my weeke
  8. I don't understand. Surely if they acknowledge the claim and they don't get the defense in on time, they lose? How long far will they take this before giving in? Cheers for the replies Gary! Nena
  9. Well, its gone close of business and no defense has been made. Will check back in the morning, but looking good. Whats the point of acknowledging the claim if you're not going to defend it? Surely if they had no intention of defending they may as well have paid up earlier.... Don't mind, interest interest.... We'll see.... I guess it could be that money claim just haven't updated their records yet.
  10. Hi all, Today is Lloyds last day they can enter a defence. Its the 28th day so technically their time is out, but just rang money claim and they recommend holding off until tomorrow to enter a judgement (if the gits don't enter their defence today of course). Keep yer fingers crossed for me! The guy on the phone also had a little giggle at my claim number as it has 666 in it... Reckon he's a bit of a devil worshiper... Or at least a D fan!! ;-) Take care
  11. I sent all correspondance to "Lloyds TSB Bank PLC, 25 Gresham Street, London. EC2V 7HN". Its their registered office and got prompt replies from them too. Christina, they acknowledge my claim on the same day as yours, so we really are going to be claiming buddies! lol Lets hope they don't mess us about too much. Thank you both for the well wishes and good luck!! Nena
  12. Hi all, Just thought I should write a quick message to say that I've filed my claim, had an acknowledgment from Lloyds and they have until 27th October to defend their claim. Haven't had the AQ yet, but will be searching the forum for advice when it comes! Been reading Reload's thread on his first Lloyds claim, so feel reassured a little. I'm claiming £1213.40 and hope I'll get it before the Christmas shopping frenzy starts! Bank's Solicitors are Sechiari Clark and Mitchel, has that been the same for all the claims or do they use more than one solicitors? Anyone had any first hand e
  13. Thanks Gary! I've just realised that I've way over estimated my interest. I had my first charge on the 9th November 2001, with the total amount of charges to date being £745. Instead of calculating 09/11/01 - 09/11/05 (being four years @ £59.60 a year interest), then the 213 days x 0.16p between 09/11/05 to the date of the submitted claim, I've done it at 59.60 x five years! Does that make sense? So instead of claiming £272.48 interest, I've claimed £348.40.... I'm such a wally! I'm not sure what to do about my schedule now. I worked the interest out using the total amount of char
  14. Right, I've submitted my claim, thanks for all your help! One question, how do I go about sending my spreadsheet of costs to the court? I claimed online, but I don't see an address or instructions on how to do this. Thanks in advance! Nena
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