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purplebiro

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About purplebiro

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  1. Well would you beleive it! After yesterday deciding just to be patient and wait my turn I came home tonight to a letter from SC&M offering full settlement! I will take their offer but just wanted to say thank you to everyone for all your help. Good luck to all of you - I hope you all get the money you deserve and that eventually the banks will stop lying about their exploitation of financially vulerable people.
  2. Thanks christina, I wasn't dead set on pushing them so honest advice is gratefully received. Hey ho - if it does take until then it'll be a good Christmas present
  3. Nothing and it doesn't look like I will for a while - see my post here: http://www.consumeractiongroup.co.uk/forum/general/104865-useful-info-fellow-mancs.html?highlight=mancs Has anyone got any tactics for pushing SC&M to settle? I want the full amount of money but it's a long rime to wait...
  4. Hi All, Phoned Manchester County Court today to find out who I need to pay my allocation fee to and when (in a couple of weeks, which is a relief since I can't afford it now!) and was also provided with the following info by a helpful gent in their case management section: ALL Manchester cases will be asked to fill in an AQ eventually (his words: "just becuase Nothampton are too lazy to process them doesn't mean you don't have to do it" LOL) Don't expect to get a court date before November - they are stacked out. So having done everything efficiently to timetable so far it
  5. Hi Gadus, Sounds like you and I are working on roughly the same time line - I received Lloyds defence last week, now just waiting for a court date...arg! Will keep you posted.
  6. UPDATE: Inital request for statements: 4th April 2007 List of charges returned from Lloyds: 17th May 2007 Request for repayment with schedule of charges: 19th May 2007 Letter received from Lloyds stating charges lawful: 28th May 2007 Letter threatening court action: 29th May 2007 No response to date Moneyclaim issued: 12th June 2007 Claim acknowledged: 21st June 2007 Defence filed by Lloyds TSB: 26th June 2007 Transfered to local court: 2nd July 2007 Have today received Lloyds TSB's defence and a notice from Northampton that it has been sent to my local court. A
  7. UPDATE: Just checked MCOL and it seems Lloyds have entered a defence - before I even had a chance to send them a copy of the schedule of charges I sent to the court! Should I just wait for the letter to come through from MCOL about how to proceed? How do I proceed?! Sorry to seem so ignorant but I was banking on Lloyds following previous form and leaving everything to the last minute - thus affording my ample time to brush up on how best to prepare a defence, now I'm feeling very vulnerable! Can anyone point me to some good guides on what to expect now?
  8. UPDATE. Checked MCOL yesterday and it seems that LLoyds have acknowledged the claim. I haven't had a letter yet so presumably it only happened in the last few days. Am I right in thinking that all I need to do is send my schedule of charges to Lloyds solicitors? Should I wait until I get the letter from MCOL confirming the claim has been acknowledged before I do that? Also, is there anything else that you would advise doing now in anticipation of Lloyds submitting their defence? To reiterate my previous question: I only have a list of the charges sent in response to my
  9. Hi All, I submitted my Moneyclaim against Lloyds last night so thought I'd register here and get myself as prepared as possible. Knowing my luck Lloyds will defend to the hilt so any advice you can give me will be gratefully received. To give you an idea of progress so far: Inital request for statements: 4th April 2007 List of charges returned from Lloyds: 17th May 2007 Request for repayment with schedule of charges: 19th May 2007 Letter received from Lloyds stating charges lawful: 28th May 2007 Letter threatening court action: 29th May 2007 No response to date Mone
  10. Hi All, Having received no reply from my request for repayment of charges letter I proceeded to send my Letter Before Action on 10th July to the same address (10 Swallow Street, Birmingham) which was the address quoted on the letter I received when they sent me out all my old bank statemements and schedule of charges. On Friday I received the letter back with a Royal Mail stamp sating "adressee gone away". What should I do? I am wary of proceeding with a court claim becuase Lloyds could well claim that they never received any notice from me. Does anyone have any experience like this
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