This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Eep, I know I havn't been on here for ages but I thought I'd get you all updated! My AQ has been processed (took long enough!) and I recieved a letter from the courts today. Action has been stayed for 3 months to "allow for test cases currently being heard." and the defendants solicitors must notify the court of the result of any relevant test cases by 1 November. I have 7 days to make an application to object to this order, which obviously I will be doing. Has anyone got any helpful comments towards doing this? I will point towards Elliot vs. Lloyds as a test case and the outcome of that, and point out that all of these cases are settled before they get to court. Any other information people can give me which I can put in my letter would be very much appreciated..... Thanks

Eep, moneyclaim is showing Lloyds have filed a defence- with only a day to go! Now, advice please...should I ring their solicitors once I have a copy of the defence, just to see how the land lies and whether they might settle at this point? Or should I just wait and see what happens, and get on with the AQ when it arrives? Of course, in an ideal world, a settlement letter will follow very shortly...I know its happened to quite a few people straight after receiving a defence. *fingers crossed* Ohhh, I'm not sure I can take all this excitement! ;-)

Welcome, and good luck...the fun is just beginning!

They could refund immediately if they wanted to- sounds like they are giving you the run around , well done for standing your ground. I'll be watching with interest!

Surprise surprise, Lloyds have acknowledged my claim! Now I just need to hang on and see if I get a letter from them, or a defence..... The claim was acknowledged by Sechiari Clark and Mitchell rather than their usual people. Can't wait to see what happens....

The spreadsheet works out the interest on each charge...you only need to enter the total interest! And then the daily rate which would be charged after that! You should be able to fit it on

I just entered it into the speadsheet, with yesterdays date to tell me how much interest would accrue in a day, when I did mine.... Don't forget to open any interesting looking letters which come for me whilst I'm away so that you can let me know any good news!

Yup, it's from the date of the first charge....you can use the spreadsheet to calculate all the interest if you put all your charges in there. As for being skint, you can always wait a week and see what lloyds do with my claim, and if they pay up you know I'll happily lend money to the "lets screw Natwest" campaign *mwah*

Fantastic- Well done! You have already broken number 5 though, so I hope that you're going to tell them where they can stick their confidentiality ;-) And make sure that you can still claim in future too......

Claim has now been marked accepted- so I expect it will be served after the bank holiday. Now the worst bit- the waiting! I fully expect them to defend, as that seems to be their tactic at the moment. I'm not actually feeling that daunted by it now though They might be trying different defence tactics now but they forget one crucial thing- they won't win against any of us, because THEY ARE IN THE WRONG. And therefore, any defence they come up with is going to be pants!

Oooh, well done on the Halifax front! I'm sure Lloyds will back down soon Thanks for the support- I'm sure it'll be worth being a bit skint this month for the big return I'm going to get the month after! *grin* I have all the time in the world and lots of faith!

Moneyclaim will be filed when I get home tonight *excited* Have seen quite a few examples of what to put in there so I should be ok- any last tips though? My claim is for just under £1,500 (excluding interest)- will I have to pay an extra fee when it comes to the allocation questionaire? I really didn't want it to get this far- but they asked for it!

Good luck! I decided not to send a letter back in the end- I'm just going to ignore them. Have hecked my credit record and there is nothingunder my current address to suggest I owe anything to them so they can get lost! I'm still getting the letters, but they are pretty easy to not take seriously now Can't wait to see what response you get from them!