I can't post the letter on here sorry... No scanner! Update is they have put in £180 now but left out £60 of it as another charge they reckoned they'd refunded - they haven't. Well, I finally got through to them and managed to sort it with someone but they left out the 60. I will get this back it's a case of getting through again and getting back the full 240 they originally offered. The number 01264 725 214 now has people answering if you're lucky and they are doing something about the backlog it seems - she told me they had 5 people just returning calls evrey day. Fingers crossed we all get back what's FULLY owed to us.

They didn't offer the choice to accept just said it was a goodwill payment a sort of one off gesture and that it'd be paid within 10 working days. I managed to get through on the phone today and spoke to someone who was terribly apologetic, couldn't believe it was 3 months behind and said they'd sort it today. She said that it was because of two claims for two different account that it kept getting 'lost' behind the other - which has been paid. I know they will pay but they're so incompetent they just can't seem to do it unless it's straightforward. Funnily enough, I still haven't heard back from them and it's always engaged now. So if I send the letter i can't say it's a breach of contract. What can I say instead - I've already said I'd start court proceedings but should I when I've had the offer? Arrgh it's so annoying!

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/89502-lloyds-tsb-sechiari-clark.html#post815028 Hi I've looked into this and it was very helpful however the big difference is that Maxine's claim / offer letter came from [problem]. Mine came from LLoyds TSB itself and I didn't have to send any agreement form back - just wait for it to be paid within 7 or 14 days. Which it wasn't. Does the letter of settlement from Lloyds mean that if they haven't paid it is still classed as a breach of contract - can I say that - and about sueing? I am also sceptical about sending yet another 'threat' or complaint to the Customer Recovery Centre in Andover as they're no use and of no concern to this (our amount is only for £240 - no great sum - it's the principle). If someone can please advise that'd be great - I hope to send the letter today.

Thanks so much - I'll have a good look into that and send the letter off today.

None whatsoever! So do I:- do the court thing - I have a settlement letter - do I have to? go to my local branch - I guarantee I'll get nowehere but will try if it's worth it? keep trying to contact them - pointless so far but you never know I guess? I don't know what to do for best. It's so frustrating. If I didn't have an O/D with them I'd cancel that account. I've already cancelled one and gone to another bank.

Hi Yeah, I still have the letter but no joy. How exactly do I go about doing the in breach of contract thing? I posted this as I feel it's pointless doing the court thing when they have already offered a settlement but don't know what else I can do. It's literally like getting blood from a stone!

Thanks for that - I didn't think about going into the branch believe it or not but now you mention it its the way to go - I'm going to do that. I've lost so much faith in them tho from ow thy've handled this (and their call centres' incompetence) I'm sceptical even that'll work but it's worth a try!

Hi, Thanks for your responses. I went through all the correct stages as described on this great site - it's helped so much - and finally got the letter 13 June - an offer of a full and final settlement from Lloyds. They included 2 different sums for 2 accounts. They didn't ask if I'd accept (presumably cause it was a full offer plus interest by the looks) just said they'd pay up in 10 days. The first amount went straight in and the second (£240) still hasn't been paid in. They were both only 'small' amounts but it's like banging your head against a brick wall trying to get in touch with them about it. So now shall I go ahead with the court proceedings? I'm reluctant cause I thought it hadn't come to that having the offer and everything but what else can I do?

It was Lloyds themselves - I'm really at a loss as to what else I can do. Apparently they're saying they will honour all settlement offers but it's gone on for so long now and I can't get hold of them any way any how I think it'll still be going on by next year at this rate! Sorry to be dense but what is this [problem]? I've no idea.

Hi, the letter was received just before I was about to start court proceedings - first submitted the claim back in January.

I'm hoping someone can give me any advice OR an address I can send a further letter of complaint to re. this. Lloyds offered a settlement on 13 June and despite several attempts via phone and letter to get this paid they still haven't paid up. I last sent a letter of complaint on 13 July to which there's still been no reply. I also telephoned about 2/3 weeks ago and managed to leave a message - then I had a guy call me a month ago promising to pay it within the next few days and they obviously still haven't. I thought that was it but it's not. I feel like this is destined to go on and on. I've read previous threads but they all seem to have received their payments eventually - ie after about a 3 weeks wait. This 3 months is just beyond ridiculous! I was hoping someone would have an address I could send another complaint to _ although I did also last time, I'm saying that I will start proceedings if not paid by 14 days. I sent the last letter to Andover Customer Service Recovery Centre (got no acknowledgement) is this the right address or does anyone have an idea of anywhere else I can send it to where I may get a result? Many thanks.

I re-sent a letter last week but didn't include a copy of the offer letter - dur! Never thought about that. Oh well back to waiting for the stock reply - again.

It's 5 weeks now since we got the letter and they haven't paid or acknowledged anything. So now I'm having to go through it again for the final half - court proceeding will have to start even though I got a full offer. I just can't understand why they'd offer then not see it through. It wasn't even the standard £750 letter.

You can't get through to them at all. It's engaged all the time (purposely I guessed) and the facility they have to leave a message doesn't work. Don't bother with the fax - I sent two and they ignored both. I'm so mad at them for offering the payment and then not honoring it. They are unbelieveable!

Exactly the same has happened to me. I claimed for two separate charges in two separate accounts. I got the letters and one charge was paid immediately the other has gone well past the 10 days and still hasn't been paid. The charges were for less than your's - still waiting for £240. I couldn't get through to them either. Tried the usual Lloyds number as well and they said it's a major problem no one can get through to Debt recovery and there is 'no other number'. Total shambles. I've had to write another complaint letter and now wait another 28 days for a reply.