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BeeBee 01 WON!?? Lloyds-confidentiality clause


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HELP1!!! please.I have just received two letters dated on same day 4/7/07 from SC&M.

- The first :informing me that they havebeen passed a copy of the proceedings that ive issued against lloyds in my local court, and going on to justify their defence[i.e charges not penalties etc]then requesting me to contact my local branch manager to 'review my account'.

-The second :marked 'without prejudice and confidential',telling me that i am required NOT to show the letter to anyone, reproduce it in any wayor produce it in court. It spells out that they intend to defend the claim on the grounds thatthe legal basis for my claim is incorrect.It then tells me that the banks are liaising with the Office of Fair Trading over the legal basis for charges and that basically the bank considers it unhelpful to force the court to adjudicate on a particular claim and the costs entailed in that can exceed the amount in issue.. so they are offering me the full amount claimed, which included interest, plusfurther interest of£25.00 plus £220.00 'in full +final settlement.The conditions are :that i agree to the confidentiality clause and that i must contact my local lloyds manager to arrange a review of my account, informing the court in writing that payment has been made, sending SC&M a copy.

I only just got a notice of transfer of proceedings 3 days ago which told me the AQ had been dispensed with in my case.I responded immediately with the draft order for directions and a covering letter respectfuuly asking him to consider the draft order etc. These templates i got off this site-it has been SO helpful.However i have found it all highly stressfull and confusing.My computer skills are pretty basic and ive got 5 children on my own. Wah!! wish i had the gusto to keep on with this but i just want the end of it...in truth.

If i contest the confidentiality,or this review [whatever that means-is that a veiled threat of account closure?] will they withdraw their offer?Will this also mean i have a default marked against me? Searched the threads but only got bits of info. Also if they settle now will i have to still pay the AQ fee?-only posted the draft order of directions back to court yesterday.

Wanted to post this also to share with others to encourage them. If i can do this ANYONE can.Ive been really scared but determined for my childrens sake. Their dad left us and also left me with 2 nice overdrafts.I tried to negotiate with the bank where id been a model customer for 25 years. They were savage to me.They didnt want to know.They slammed me mercilessly.Its taken 7 years to recover from that.

Id love to celebrate a victory. Is it too soon.?

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Hi BeeBee...

 

I'd like you to be celebrating a victory soon as well. It sounds like you deserve it! Judging by several recent threads, you will be celebrating very soon!!!

 

There have been several of these "double" letters going out. Not sure why they're doing it, but I think you're nearly there. Hold fire on paying the AQ fee until next week.

 

Fingers crossed..... :)

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Thankyou passivenomore!:)

My family are just saying:sign their terms and just get your money back.

Just worried if i do whats been suggested on other threads and return it but refusing to comply with their terms, that they wont pay up.

sounds wimpy but just feel so stressed by it all!!:confused:

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To be honest BeeBee, in my opinion there is not much difference in accepting on your terms or theirs... the important thing is that your money is rightfully returned to you.

 

Once the money is in your account, you will need to inform the court of the settlement.

 

Don't worry about feeling "wimpy"... I would think that the vast majority of us here have felt overawed at some point... I certainly have!!

 

It's just good to know that helpful advice is never far away and all the support you need is here!! :)

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Absolutely right passivenomore.:) I concur totally.If i hadnt had access to all the discussions on these forums i wouldnt have been as well prepared as i have been for the banks varying tactics.Helps your confidence and i think fore warned is fore armed.Also theres strength in unity. I just pray justice is done and that theseover powerful, over haughty banks are brought to account.All the best.

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