THanks for the the link this is of great help, I will keep you posted on how I get on.

I have recieved today a letter from the court stating that Lloyds TSB have applied for a stay, in light of the pending test case with the OFT. I have read the details on Martins weekly newsletter that it may be possible to appeal against this decision in the light of hardship. Are there any details on how this can be done yet. Also Lloyds TSB are threatening to take me to court for not paying back my outstanding overdraft which is due the the banks charges. Would I be able to appeal against the application of stay by Lloyds under these grounds? Any help would be grateful.

Thanks for the advice, Have been looking for the letter to send to BC&W but I have been unable to find it. Can anyone help with this please?

On the 4th of June I started proceddings against Lloyds TSB, I have recived three letters with three different dates and not sure what acion to take next. The first letter was dated 15th June and was a notice of acknowledgement from the court, this was received 19th of June. The second letter was dated 14th June and is a letter from SC&M requesting the following further information; 1. Each and every individual amount of the charge that you are claiming for and are disputing. 2. The date of each and every charge that you say was deducted from your acount. 3. How you calulate any interest. 4. How you calculate the sum of £4947. 5. Confirm your sort code and Bank Account Number(s) SC&M have stated that they would be grateful if I could respond in 14 days, and in any event acknowledge safe receipt of the letter. This was recived today 22nd June. The third letter is dated 13th June and received 19th June from BC&W (recoveries department) stating that I have 72 hours to respond with regards to my outstanding overdraft. I am a little confused as to what action I need to take and to whom I need to write to, 1. Should I write back to SC&M giving these details that they have requested (which Lloyds have been given on at least two occasions,) or to the Court. 2. Do I write to BC&W to deal with my oustadning overdraft. 3. Do I write to both of them to deal with the separate issues. or 4. Do I write to Lloyds referring them to the details the I have already sent them and to forward this onto the relevant party. Any help on this will be gratefully recieved, but I only have 6 days left to responded to SC&M.