my court hearing was due to be on the 28th feb and on the 14th the bank paid the total amount into my account .Dont worry - it is daunting but if you keep going you WILL get every penny they owe you . Good luck !!

Thank you !! And for all the help ! Especially the statement of evidence !

oh - who do i PM to get my thread moved to the successes thread ( cant believe i can do that now !!!)

i am just going to do that letter and a copy for the bank too . :D

Well - I WON !!!!!! SCM received their non compliance letter on the 14th and yesterday evening the full amount owed just turned up in the account .no letter off them to sign and return or anything !! Im so pleased and so very grateful for all the help and info i got from this site .Thank you all so much !!!!!!!!

thank you !

I have sent SCM the first non compliance letter today and sent a copy to the court also .This stalling really annoys me .Having read a few threads lately where people have had to turn up at court only to find out that lloyds have faxed settlement to courts has really made my blood boil . If i have to go to court on the 28th i `m going to have to miss college and get someone to collect my child from nursery -all for something which could have / should have been settled by now . I am so tempted to phone SCM again and give them an earful about time wasting .Instead i`m going to tot up my costs instead and maybe claim some of those back as well.Maybe i should include the cost of the childminder in there too !!!

i have my hearing on the 28th and apart from getting a copy of the defence and AQ from SCM via the court i have heard nothing from them .I phoned them early this week to check they had received my court documents and they were obnoxious to say the least .I dont really expect any contact from them now - probably a settlement at the last minute before the hearing . I dont think Lloyds are settling claims according to any guidelines - some are settled quickly and others ( like myself ) are getting taken right to the wire .Its disgusting . As long as you are filing all your documents in time and recording any delivery of documents you have sent to them , dont worry if they havent contacted you .There is no rhyme or reason to how they do it as far as i can see !!!

Romey - i sent my court bundle on the 2nd ( well in advance of the deadline ) and all my directions were ,were to send copies of any documents i will be relying on .I did the court bundle, statements , schedule , statement of evidence , Oft summary and EDM and BBC Commission findings .130 pages of indexed material !

Its the same defence i received and after phoning SCM yesterday it seems that that is their entire defence - i asked them to send me the court documents they will be relying on in court ( 28th feb ) and according to the `charming` man on the phone `` you have our defence already and that is all we are relying on `` . Hmmm.... doesnt stand a chance against my 140 page court bundle !!

Well done !! My hearing is on the 28th so hopefully soon there will a lovely recycled grey letter sent to me soon . Congratulations !!

They must send staff on courses on how to be obnoxious to the public ! Yes i am going to send the non- compliance letter on the 13th .i cant wait !!

Good luck !! And now you know all the tricks the banks play to put you off ! They have no chance against you now

I have just phoned SCM just to check that they received my court documents ok and i asked them when i could expect their documents .Man on phone said they were not relying on any other documents other than the defence they had already filed so they didnt need to send anything ! I said `` ok , so you arent going to follow the courts directions then `` .SCM fellow said they didnt need to as we already had their defence documents . So am i right that its a non -compliance of orders ( and so basically an admission that they arent going to be turning up in court )Horrible snotty attitude of these people really annoys me - he did his best to try and confuse me and was all eager to get off the phone when i obviously knew what i was talking about !!

Hiya , you should start reading through the threads and templates for the Allocation Questionnaire as this is the next thing that you will get from the court very shortly . Then after those are returned within the deadline its just a matter of waiting again for a court date to be set ( or a nice settlement to be offered ) I have filed my AQ and have a court date for 28th Feb so not long to go now !

Well i have done my court documents and am going to take them to the court and post them to SCM tomorrow - all 130 pages of it !! Thanks for all the help off everyone so far .Now its just a waiting game till the hearing on the 28th Feb - fingers crossed for a settlement soon !! I have reminded SCM in a covering letter that i look forward to receiving their documents by the 13th Feb at the latest .

And thank you Gary , for the statement of evidence details as there is no way i could have done that alone .

Oh good !! I was hoping i could as its been a real issue between Lloyds and i .thanks for that .All i need to do now is a huge lot of photocopying on monday .i have till about the 13 feb to return the court bundle but i want to do it early so SC & M know i`m serious !!! thank you !

I have also included a quote from lloyds defence regarding that they warn customers in advance of charges and listed my customer notes from lloyds where it clearly shows that 30 statements were destroyed by them by reason of `incorrect address` .I have stated that at no time did my address change or did i instuct bank of a change of address and so as a result of not receiving these statements i was not given advance warning of some charges . I have worded it as `legal` language like as i can - do you think this is relevant or should i just include the customer notes in my bundle but not mention them in my statement of evidence ? The notes clearly state `` letter deleted `` and ``statements destroyed `` . jcd

i was just reading that info on your thread Gary. Thank you so so much .I am off out to buy yet another ink cartridge now ! jcd

Ok, sorry for asking for more help but my brains turned to mush ! When i include all correspondence between myself and the bank i`m assuming thats all letters until i filed at court ! Or do i need to send copies of their AQ and Defence . ? Also do i need a personal letter of some sort ? that restates what my claim is and then details more personal info ? any tips much appreciated ( again )

Thanks Gary , you have been such a help throughout all this .I`m feeling excited and scared now - hopefully this will all be over soon .At least if i do go to court it will only be for 10 minutes !!

Hi paula - yes ,it`s the full hearing and a number of cases the same are being heard that morning from 10 am - 1.pm it says .Thanks for the good luck ! Gary - thanks for your help .I have done my court bundles already and now have to do a letter and photocopy correspondence and 70 pages of statements ( !!!!!!!) One thing i`m not quite clear is how to use the Mcnamara transcript .could you help me out please ? Thank you so much . jcd

Have got my court date .Its the 28th february and letter says : `` each party shall deliver to every other party and to the court office copies of all documents on which they intend to rely at the court hearing no later than 14 days before the hearing !! It says the hearing will take no longer than 10 minutes !! So there are no really specific instructions so i`m thinking that my list of charges and bank statements showing these / list and copies of correspondence with bank since S.A.R /court bundle /oft summary /early day motion etc and a covering letter would be ok . Also i have details from bank of where they destroyed statemnets without me getting them when they had my address botched up in their system .Should i include that too as evidence that bank failed to contact me for a lengthy period ? all advice much appreciated jcd

Congratulations to you !!!!!!!! Well done !