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javorb v lloyds tsb scotland

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i have just had a letter from lloyds stating they are not willing to reimburse any of their FAIR CHARGES,i telephoned as i had just sent the lba yesterday ,the guy told me to go straight to court as it was their final response ,no offers nothing,my claim is for £745.27 incl interest ,i live and am claiming in scotland ,i can raise the action at my local court ,any help would be great.

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