This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi Barty, Many thanks. Went to Court on 30th and guess what SC&M did not turn up. The Judge decided in my favour, so what happens next? myactiontime

Thanks for that.. I've downloaded SC&M court bundle non- compliance and faxed it to both SC &M and the court. No doubt I'll keep you guys posted.

Many thanks Barty. I intend to fax this off to both S&M and the court will keep you posted. myactiontime

Hello Everyone, The time has come to face Lloyds TSB in Court . The date is 30/01/07 at Croydon County Court and I must admit I am very scared at the prospect. I have downloaded the court bundle and sent it. I am hoping and praying that Lloydstsb will pay before Tuesday. Any suggestion as what I should be doing now...... Myactiontime.

Hello everyone, Sorry ite been a while, ams still pretty useless at posting. I a date in January to appear at Croydon County Court. I have telephoned SMC and I was told they are awaiting instructions from Lloyds. I am so scared. I've had a look at the Court Bundle and am totally lost already. not good with legal stuffs at all.

that's the exact stuff I got from the same solicitors. I am awaiting a reply from them and from the local county court the case has been trasferred to.

Hello Everyone, Its been a while and Lloydstsb is still refusing to pay back what they owe me, I have now filled a claims against the on claimsonline and I have received all the court paper. do I give the details here?

Hi Dave, This letter is from a lady called Morag McColm and she's the senior manager of the FlexAccount Collections and Lending Control. Do you want the letter scanned? thanks myactiontime

Sorry it been a while, Nationwide sent us back a lette stating they will not pay afte the letter before action, so we are ready for the battle to commence will keep you posted.

Hello Princess Aphrodite. Hang in there, its big boy bully plot and you'll win. I've started my battle with them and we are all going to get back our money. myactiontime

Over the past years the greed big bad wolf has taken up to £1004 excluding the 8% Interest. I've sent them the first letter and there was no acknowledgement from the bank. I then email them and like everyone less got the standard 'Thank you for the e-mail. I am sorry to learn that you appear unhappy over the level of charges you have incurred on your Lloyds TSB account. Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Service Recovery. I have asked that he notes your comments and issues raised and arranges for a response be sent to you at the earliest opportunity. In case you haven't received a copy of our leaflet called 'How to voice your concerns' I've attached one to my e-mail. This tells you all you need to know about resolving your complaint with us. Regards Keith Boden Lloyds TSB - Service Recovery Birmingham ' They've now written to say no you're not getting anything back. So second step here we go. myactiontime

Hello again everyone, Thanks Bankfodder, We wrote back to Nation Wide to acknowledge the refund of £256, but that this did not address what we wrote them about. We've just received a reply basically 'explaining the rationale behind our charging policy' So I guess the next step is to send them letter before action? am I right so should it action time? Action time

Hello everyone, Many thanx for this fantastic site, I've been spread the news to one and all. Anyway, My husband and I sent a letter to nationwide and got a reply back 2 days laters. We wanted a refund £1603 inclusive of 8%APR. We sent this letter a week after we received a letter from Natiowide claiming we owe them £256.39 on an account we have not operated for 18months but we were being charged anyway. We received a reply from Natiowide confirming that" the overdrawn balance of £256.39 has been recredited and the accout is now closed." ShouLd i scan the reply to you and should we now send them the second letter or wait for 14 days given in the first letter?