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Court threats


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I am so sorry for being so dim re bank charges, but I am up in the air at the moment & dont know where to turn. The Lloyds are chasing me for 3 A/cs Credit card which I do owe & the other I owe is my loan. I will pay them when they refund the charges on my debit A/c which they are also chasing me in the amount of £1300 all of which are charges plus all the other charges they've taken. I sent them a letter with all the usual blarb about being on benefits & tried to claim through financial hardship for the amount of £2,700 whch got knocked back. Thet havent hassled me up until the OFT outcome in Nov, now I'm being threatened with court action & getting solicitors letters. I've being reading about a bundle someone sent in re witness statement, (which I cant find what No in the templates library is it & what other docs do I need. Nothing is with the courts yet, although I've being writing to the bank now for over 1 year. Is it too late now & what do I do about the court threateners, is the new template ready so I can put it into dispute again. Do I have to go to the courts with it & if so what do I have to take in.

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Consider it's not necessarily in their interests to take you to court, as in a judge could award them £1 a month considering your current circumstances - or make an award in your favour if you were to counter claim.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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