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Hi everyone

have spent today reading up and found out lots of useful information. Unfortunately I have no real idea how to use forums so this is a learning experience too! I have a specific question which I wonder if anyone can help with. I have sent the first two letters to Lloyds under my own steam -used info from another financial source to word them and have had standard reply to initial letter from Lloyds claiming the 'service defense' and no reply to court action letter.I gave totals of charges and interest on charges I was claiming back - but I didn't summarise as per the spreadsheet example in the library. Do I need to go back to square one or is it sufficient to detail the charges now and attach to the N1? The deadline for Lloyds to reply has passed and I should be starting court action now.

Thanks for any advice and great to have some support in this

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is it sufficient to detail the charges now and attach to the N1

Yes that's fine.


You can use the Simple S/S here:




See here for a visual guide:



When entering your charges, don’t delete anything first. Just overwrite the existing examples: type of charge, amount and date.


The days since and 8% will be calculated automatically

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