yes keep going carrera74!! Its a hard slog but worth it for the satisfaction! I was due to goto court next thursday and was lucky that my judge sent out the court date before id even filed my allocation questionaire! I think the courts and judges are getting fed up with the banks abusing the court systems! Good luck and keep perservering

thanks darling! yes it is lucky for her!! well the other claim is only going to be £70 so i cant see why they wont pay it seeing as they paid the thousands

ok cool i will give them a ring later and do the closing out stuff

yes!

ok so this morning i was feeling rather skint! checked my back balance and Ive got all my money!!!!! Its about £25 less than my workings out but im not going to hassle them about that! So Yes Ive Won!!! my gf should have a nice valentines day 2moro One question i do have it that ive received no letter confirming it should i wait for this before cancelling my claim and secondly they charged me £70 at the end of Jan in charges shall i just phone them and ask for that as well???!!

thanks gary great help once again! hopefully ive not got long to go now!

Hi just a quick one! I rang the court today to see if my bundle has arrived as today is the due date!!! They said no!! I cant get to the courts today but am going to drive down there to drop a copy in by hand but this will end up being a day late!!! Is this going to be bad and cause problems?! Ive phoned SCM and they have recieved there copy Obviously Im sure Lloyds havent even bothered sending copies anyway to either me or the courts, so should i be worried Thanks

Hi Gary thanks thats brilliant I presume that this is definately my court date then even though it arrived before I had sent my AQ etc?!

any help on the above anyone! Sorry to be impatient but if ive got to get my court bundle sorted by th 07/02 which im guessing i do????!!! I want to get cracking!

Thanks Gary look forward to the help!

i am so confused its unreal please can someone help me!!!?? I received my AQ on the 12/01/07 which i have now sent to the court with schedules of charges etc to counteract the claim to vague defence! However on the 16/01/07 before I had even submitted my AQ i received the following General Form of Judegement or Order Before District Judge **** sitting poole county court Upon considering the court file It Is Ordered That 1. this caes is to be listed for hearing on thurs 22/02/07 at 10am 2. it will be listed with all other outstanding claims for refund of banks charges 3. the parties shall file and serve witness statements with copies of all relevant documents annexed by 4pm on the 07/02/07 4.the judge will use his case management powers to decide in each case whether to make any agreed order, give directions for the further conduct of the case, or to porceed there and then with the hearing 5. it is likely that any case seriously contested will be given directions and a later hearing date 6. it is probable that the judge will deal with cases in batches where there is more than one case against a particular defendant 7. if a party fails to attend the judge may strike out the claim or defence as he sees fit and to enter judgement accordingly This letter also came with a "notice of hearing" also dated the 16/01/07 this stated TAKE NOTICE that the hearing will take place on 22/02/07 at 10am at poole county court when you should attend So all this arrived only 4 days after my AQ had arrived and before i had even returned it!? I am not quite sure what is going on I have heard nothing from the courts since returning my AQ a few days ago. I am just in the process of sending Lloyds solicitors copies of schedules etc to combat the claim to vague thing!! I presume I have to have sent everything such as bank statements etc to the courts by the 07/02/07 if the above letter is my actual court date! It just seems strange that I have been allocated a date before my AQ being sent off I hope someone can shed some light Thanks in Advance Tom p.s. sorry if theres any typing errors was going quick!

hi everyone sorry for the slow updates!! Ive been very busy at work i am going to post the full order this evening so hopefully someone can make a bit more sense of it than me!!! Thanks

Ok so yes i havent even posted my AQ Now i have a formal notice of hearing and a general form of judgement or order it explains "it is ordered that".... the case is listed for hearing on thursday the 22/02/07 at 10am point 3 states "the parties shall file and serve witness statements with copies of all relevant documents annexed by 4.00pm on the 7th of Feb I am a little confused as it seems to have been fast tracked by the courts and they have skipped a stage!!? As i said maybe they are fed up of having there time wasted by the banks!? Perhaps if someone could shed some light on this that would be great! I take it i still have to send my AQ and now prepare a court file?! I feel im in a bit beyond my depth at the moment, but still surviving!!!!

If you dont want to wait the 40 days for your statements through the post, you can go back online with lloyds to july 2002 which should cover the whole time you've been banking with them! Worth checking this out as this makes the start go a lot quicker!

Hey people hope everyones well very stormy here on the s.coast this morning! Another update things seem to be moving quickly!! As said before i received my AQ 2 days ago, which i havent sent back yet! However today I have not got a letter giving me the date of my hearing at court!??? I didnt expect this to arrive for quite a while longer until i had sent all the documents such as the AQ etc! Maybe the courts are getting fed up and fast tracking things through? Does anyone know?