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Mel33 v LLOYDS tsb


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can anyone offer me any advice on what to do next?? SC&M had until 31 december to make an out of court settlment have heard nothing when i called they tell me they have had no instruction from their client, then they would write by the end of the month have heard nothing what should i do know will it go automatically to court now or do i have to fill out any more forms??

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You need to go to the next stage now. The solicitors i assume are with Lloydstsb?. They will only pay out when you file your claim with the court.

They will also file a defense against your claim. When the court date is set, they normally settle. Follow the procedures on this site and you will get it back eventually.


Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later. Our aim is to make you aware of your rights as a consumer, enabling you to fight back against unlawful bank, credit and store card charges. In the website you will find information on how you could get your money back


Then look at other threads in your bank’s forum, so as you know what you can expect to happen. You can claim back your charges, and a few are trying for the payback of Early Redemption Charges on loans and Mortgages.

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily.


There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time.


Take your time and have a good read around this site. Then come and join us in our forum. Here we can guide you every step of the way. Please remember, we are here to help you help your self.


When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help.

If you any questions please do come to the forum and we will only be too happy to help you!


All the info to get you started is here:


There are more links below to assist you get around the site.


Good luck




Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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sorry didnt make myself clear the 31 dec was the date of extension granted to them to by the court so i dont understand why they havent replied?? should i do anything else the letter from the court says if an agreement has not been reached they can apply to extend the period or all parties must file a completed allocation questionnaire which i have already done do i need to file another one.

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Mel your posts moved into your bank group.

Difficult to answer this without knowing the full details of the order.

Was a date given ?

I think your best course is to call the court (telephone number is on bottom of your last letter from them )

quote your claim number and ask if the defence have filed an AQ into court.

Ask them what is on file with them as regards the next stages.

You will find that they are very helpful and I am sure will tell you what needs to be done next.

From what you say it looks like the Judge has given this initial period to allow the defendants time/opportunity to settle out of court before any allocation is addressed.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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