hello everyone i wish i'd started my own thread at the beginning too as im starting to feel way out of my depth with all this - I havent a clue about forums, have never used one before so i just ploughed my way though everyone elses examples and muddled through. does anyone know- 1. how to start my own thread? is it too late now im at this stage? does it just basically mean people can follow my progress and give me advice? (if so great!!!) 2. what happens after you have submitted the AQ, and letters to lloyds, their solicitors and the court with schedule of charges and response to 'claim too vague' defence as per this thread? i havent heard a thing since and im getting worried. was due a baby on friday and im hoping to get things moving before i get all preoccupied wiht that! thanks to everyone for their advice xx

hiya Gary i sent the schedule of charges etc to court, bank and solicitors and AQ is sorted. What happens now? is there a couple of ways that the bank could react and is it just a case of sit tight and wait? im due a baby this week, and i just know they are going to want to take this to court. do you think there is ANY chance they would just settle now, or not? cheers again for all your advice

thanks gary dunno what we'd all do without you!!

thanks for that Gary, a huge huge help. One quick question - the schedule of charges that I must send with my AQ, and to the solicitors acting for Lloyds, etc.. is it best to send the actual bank statements where I have highlighted the charges, or better to send the spreadsheet with calculated interest, etc etc or both? Hope that makes sense! going to get everything posted today hopefully so any advice from anyonw would be greatly appreciated!! cheers

hello, lloyds sent me exactly the same defence - how did you get on with this in the end? im panicking now!