Thanks Lucid

Couldnt have done it without your help and encouragement either

You guys are brilliant

S.P

Thanks Gary.Couldnt have done it without you.I rang the court straight away and was told " Oh yes they wrote to say they would settle".....Pity no-one informed me as I was getting more nervous as the day went on.I do have to inform them in writing though.I will PM you but will have to think about claiming.Im just working out how much more they have ripped me off for since my claim started so will be starting the battle all over again

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Im not too sure about the centenary posting as it seems to go up and down like a yoyo.I was on 159 at one stage ??

Thank you both and a massive thank you to GARY H , MINDZAI and LUCID.

Without their help I would have given up long ago.

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Well I just checked my bank account and there it is in black and white.....CLAIM SETTLEMENT.....£5163.69........whooohooo.

I must admit that when I checked it late this morning and saw nothing I was in a panic cos I thought I would be facing court at 3pm tomorrow

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Hi GED

Welcome to the CAG.

My advice would be to spend a couple of days reading through the FAQS and step-by-step guide and also read some of the threads and you will pick up most of it from there.Then if you do still have any questions there will always be someone willing to help

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Thanks Lucid

I have the sreadsheet on my home pc plus identical at work so I will be checking just before I leave at 2 .

Once that is done with I will be back at them for everything they have charged me since I started this claim...about another 800 in total I think and also start one with them for my credit card too.

Massive congrats on your win by the way.Im not sure I am confident enough to go for the costs etc though I do admire you both for it...the same as the contractual interest...I thought about it but chickened out.

I will have enough of a task working out the interest on my next claim with them

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Hi Lucid

Yes I liked that part too..Think the courts know what to expect now

Yes I have a valentine date with Lloyds.Same place and time as GaryH as it happens.Dont think we will get any chocs and flowers from them though but as long as we get our money I for one wont mind.I am on early shift and am that confident that I am not taking the day off.Should I not hear any good news before I finish at 2 I will just go straight to the court from work for the hearing at 3.Do you think Im being over confident now ?

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Got the following reply from the court yesterday:

Dear Sweetpants

Re:Sweetpants vs Lloyds

Thank you for your letter of 5th Feb.

In a case such as this where one side has complied with the Judges direction and supplied their documents to the other side but the other side has not reciprocated,it is for the aggreived party (yourself in this case ) to consider making an application to the court for an order imposing a sanction against the offending party ,up to and including asking that their case be struck out.Wether or not you make such an application and what you actually ask for in it is a matter for you to decide.

Clearly the idea behind giving the parties directions is so that at the hearing both parties will have seen and be familiar with all papers in the case,their ownand the other sides,and so that no evidence is adduced at the trial which the other party (and the Judge) have never seen before which can lead to an adjournment or that evidence not being allowed to be used,and possible costs being awarded against the offending party.

The court is not aware as to why the defendants have not complied.It may possibly be,as with many of these bank charge cases,that they may offer to settle with you at the last minute.

Yours sincerely

Mr R Hodder

Listing Section

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Just another update.

Faxed and posted [problem] non compliance letter off last Saturday and have heard nothing from them ,(no surprise really ) ,so letter to the court being delivered on Monday.

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Hi Mindzai

Yes I think I will fax a copy off in the morning and pop another in the post as Gary did.Like you say it may help things along.

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Hi Gary

No nothing yet.

I submitted my bundle by the 24th as directed by the court but received nothing from [problem].

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Thanks Gary

I have the transcript but my pc wont let me get the soundfile.

Tried to set up a wireless connection for my sons laptop so that I could reclaim my pc and everything seems to have gone haywire since.went into Cuttings and Soundfiles Library and anything to do with sounds it cant find the link.It wont matter if I dont include it though will it.As long as I include the transcript ?

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Thanks Gary

My hearing is 3pm and it says it should take 15 mins.

Yes the only thing I havent got are the McNamara soundfiles.

I have just been looking through the court bundle and noticed a couple of things missing.I dont know if its relevant or not.Page 26 No 30 is blank and so is page 34 No 3. Probably doesnt matter but just in case ......

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Hi All

Received notice of hearing date this morning.

District Judge Carron has allocated claim to the small claims track and hearing will take place on 14th February 2007.

I know have to deliver copies of all documents etc to [problem] and court before 24th January.

Taken me by surprise as after reading other threads I was expecting to have to wait a while.

Better get busy getting it all together to send:)

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My daughter works at Nationwide in payroll dept and theirs is 23rd

Hi Biwood

Thanks for the link but not needed.As you will see from reading through the FAQs and threads on this site all the help needed is right here including some fantastic people like GaryH , Bookworm,Bankfodder and Martin3030 ** to help and explain things if you get stuck .And I even have a court buddy on standby in the unlikely event that it gets that far.And as you can see from the link in post from GaryH above they have helped in loads of successful claims.I for one would certainly have not got this far without this wonderful site.

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**(Sorry but not enough space to mention everyone)

Once this is settled I will be back for more.They have added another £530 worth of charges on my account since I sent in court claim.

You have a good New Year too Gary.

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Just an update.

Received Lloyds AQ from [problem] and a request for copy of my AQ so have now sent that off.

Just waiting for court date now.

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Merry Christmas Gary and a peaceful New Year to everyone

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Take a look at this

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejection-settlement-offer.html

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I would write to them straight away telling them that as your claim was for £512.23 + and as they have not repayed that amount then you are still going ahead with the court claim.

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Hi Kellie

Welcome and good luck with your claim

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Hi John

Welcome to this great site.

I thought along the same lines as you while I was waiting for my statements and worked out an estimate of a couple of thousand but then when my statements arrived I found it to be nearer 5k.There were a couple of good years with hardly any charges and a few very bad ones with loads. I personally think it is better to wait for the statements and get a true record of dates and amounts,especially when dealing with Lloyds as they will try every trick they can to get out of paying you back what is rightfully yours and it may save time in the long run if you are armed with all the facts.

Just my honest opinion though.Good luck with your claim

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Hi Liz

Check out the step-by-step guide on here and it will tell you all you need to know

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Thats just me being the eternal pessemist as usual.

I will take them in to work to copy tomorrow and post them asap

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