Hi Gary, Thanks for taking time, To the claiment me District Judge ...... has considered the statements of case and allocation questionaires filed and allocated the claim to the small claims track. The hearing of the claim will take place at 10am on the 2 May 2007 at Liverpool County Court, Liverpool,Civil and family courts ( then the address) and should take no longer than 10 mins. The court must be informed immediatly if the case is settled by agreement before the hearing date. Date 10 April 2007 Thats it at the bottom of letter it has notes If You cannot or choose not to attend you must write and tell court it just goes on tosay about not attending thats all Gary ???? Thanks Maria:idea:

Nic thats exactly they said they hadn't recieved it haha but knew I had gone back more than six years, so as I said i changed the schedule to the amount they suggested May01-may07 Have I made a big mistake or what can I resend originals and say I have been advised to claim back to oct 00-may 07 whick is over the six years but it was over six months ago I started the ball rolling im so confused now when should I actually start my charges from. Thanks guys just awaiting all your advice Maria:confused:

Gary, what do I need to supply if I go to court on the 2nd, I am confused at what I need Im stressed now incase I have made a mistake changing the schedule request after applying to MCOl I sent a copy of schedule to them and one to the bank Ihave also sent back AQ what do I need to do now, however can you advise on the other problem firt so I can ring them tomorrow or will the take the one I faxed today as gospel and ive lost out Maria:(

Hi Nic, I had originally sent my schedule a couple of weeks ago, I got my court date fri for the 2/5/07 so i rang to ask if they were going to turn up or settle they said they wouldn't be ready as there was discrepencies in my schedule so I asked like what are they they said I was trying to claim more than six years and I could only claim back 6yrs from court date that being may 01 so they said they hadn't even recieved a schedule off me and could i re send with just dates of the suggested charges which i did which is a lot less than my original. After reading posts I think I have made a boo boo and I wanted advice as to wether I should send originals now as I have been advised to claim from six years back from original request ie Oct 06 therefore goiung back to Oct 01 I actually have statements and charges going back to Jan 00 but I cant claim that far back can I. Maria

Dear Alan, can I resend the schedule with the original charges and say I have been advised to claim from original datethat being when I first approached Lloyds Oct 2006 and go back to Oct 2000, is there anything to quote to them as they keep stating this limitations act ???? Have I made a big mistake changing my schedule to suit them, shall I resend the originals ??? Thanks Maria

Gary, o I need to submit a court bundle if they have asked for no directves getting scared now lloyds seem to be putting me off. After your or any of the guys advice ill post tomorrow have I made a booboo changing my schedule Maria:confused:

Hi Guys Gary, I have the court date as suggested previously but they have asked for no directive just a standard letter with the date of the hearing on it actually go to court, I dont think they will i think they are going to ask for an extension due to the discrepencies. would you advise me to resend a new schedule including all dates i have statements from eg jan 2000 or as they have suggested may 01 what is the law as they keep telling me the sataute of limitations is 6yrs back from court date. The schedule I faxed today is as they have sugggested, ie may 2001 if they are in the wrong shall I phone tomorrow and tell them I am unhappy and I want all charges back dated too jan 2000 there is quite a difference. awaiting your advice guys maria

Hi Guys I think i have made a booboo when i rang SCM (Lloyds solicitors) today I spoke to someone called Eve she said " they are dealing with your claim but haven't recieved your schedule (Liars) they must have as she knew Id gone beyond the 6yrs My First Charge on one of the accounts is Jan 2000 etc.... However I re calculated from her suggestion which is a hell of a lot less only sending from may 2001 By fax today am I a fool what shall I do shall I suggest I am going to claim from the time I started corresponding to LLoyds (oct 2006)or put it down as a loss what are the guidelines for calculating where shall I start totally confused now shall I dictate and say I want them from Jan 2000 or Oct 2001 or as suggested may 2001 ?????? What A fool Maria x:confused:

Hi all sorry its been so long anyway can someone please help I am due to go to court on 2nd may 2007. Today I phoned SCM to see if they were going to court or wanted to settle they said there were discrepencies about the amount I wanted to claim, they have asked for me to resend my schedule. However I can only claim 6yrs back from my court date that being may 2007-to may 2001 as that is were the statute of limitations runs out????? I started my claim in October 2006 cant I work back to Oct 2000 - present day. Have they got this right please help Thanks guys Maria:confused:

Congrats Pete I am only at the stage of moneyclaim recieved a letter today to say they had sent details to lloyds I was advised to sen bank charge details to lloyds and moneyclaim is that right what sort of time scale is there till you get court date:confused: Thanks Maria:oops:

Have gone through process with lloyds over past few months due to financial reasons have not filed with money claim until 2 days ago is there a time limit on when you get your last refusal until you file or doesn't it matter, Also now Ive filed and got case number is it right that I send a schedule to Moneyclaim and also to lloyds. Thanks a bit stressed but getting there:-x

Hi WMO3 yes the ombuds seems to support but i need exceptional circum for it to go ahead what should I say, for why its took so long inbetween complaints ,as for the grounds I just used a template off the which website last aug 2006 I cant remember what i put in original letter in july 2004 Lloyds ive only just filed on moneyclaim awaiting funds and other things I hope they dont come back with a fob off as its a while since I started initial claim Thanks Maria PS if you want to do this with private e-mail that ok:-|

hi and thanks WMO3 I wrote july 2004 made a complaint they said they didn't think there was a problem ....... I then phoned and was told that it wasn't worth claiming so I left it. I then wrote in aug 06 and was told I only had 6mths so tough. I then phoned ombuds and they suggested to try again as a new claim. I id and got a reply asking why i didnt do it within 6mths so i went on to say father in law died previously to this and I was ill etc.. they then asked for further info I just gave them basic info, They have liiked into case and basicall said Main Points Firstly they cannot consider complaint 6mths later" Unless exceptional circumstances barclays object to them looking into complaint because it was over 6mths They (ombuds) then reiterate the basic info I told them as above but I could exassebate illness??? my partner works in switzerland so he couldnt help they then go on to say however if I have any new points which would make significant difference let them know (ombuds) So it looks as though there not ruling it out completely what do you think Desperate Maria:!:

Dear Mum of 3 You seem to know about mortgages can you or anyone advise complained to Barclays 2004 thay basically said **** *** my father in law died shortly before and I wan't well I phoned barclays and they said thats it so I left it. Now 2 years down the line I tried again they said the same but I could go to ombuds which I have they have looked into it and basically said they couldn't look into it because its over 2 years since I originally complained any advice Maria:-x

Not sure, what is actual problem, did you have o/d with hsbc and have since closed account they have then sent debt to moorcroft ??? If you are claiming bank charges this shouldn't be a problem you can still claim bank charges even if account has been closed. Moorcroft dont want to take you to court but be careful they dont send debt on thats when it can become nasty Maria:rolleyes: