HI Guys thanx for comments Kerry Ward who I spoke to is a supervisor and is adamant nothing can be done What do I do next? Ironman 20082006

HI Guys I ve just had a credit card statement from Lloyds stating they have increased the monthly rate for purchases from 1.019% to 2.210%- An increase of 216% by my reckoning! This has to be an unfair increase I ve spoken to Kerry Ward at LloydsTsb Credit card and she is adamant that this cannot be reversed and that thousands of accounts have been reviewed and have had the same treatment. I ve also pulled my equifax report and this account has been conducted with no arrears in 2006 or 2007 and has been open since 1994-information provided by Lloyds to an independent 3rd party telling them that the account is a well run account Have I got any chance of getting this reversed? Should I write to the Ombudsmen? Help would be appreciated Regards Ironman20082006 Beat LloydsBank July 07 £4500 charges refunded

HI Kevin seems like a long wait to your court date suppose its down to how busy the court is any way I m sure they ll settle you in full a week or two before keep on rocking! Ironman:cool:

Happy Days Checked bank account LLoyds have deposited £595.75 bank charges refund which is the exact amount of my second claim. No correspndence except notification from mcol they were defending Just waiting for the first claim to be settled then I ll book my hols.Ive sent the formwork back for the first claim crossing out poit 4& 5 about keeping account within limits and if not then I will be charged in future. Sent covering letter that if charges are unlawful etc reserve the right to reclaim etc Also called in at my bank re review meeting .Bank manager rang sc & m wht do i do with this as my account in collections dept he cant do anything! SC & M said cannot insist on a meeting I think its just another scare tactic See you all on the other boards later in the week Ironman

Thanks guys and gals going to start against coop visa capital one lloydstsb credit cards mint and bank of scotland this week on the back of my soaring confifdence also still witing on my second claim agianst lloydstsb to be settled so i ll be around for a long while yet Ironman

HI Nic my claim was £3500 AQ dispensed with no £100 fee to pay confirmed by my local court in writing after i queried it Ironman

my court was the same no AQ required as all defences from Lloyds were the same. Ironman:cool:

hi bleachyschick yes first letters from SC u M I ve got another claim against Lloyds for around £550 so next letters should be another settlement offer d'ont let the b****** grind you down

U would nt believe this since my post regarding what to include for court Post has arrived to letters from SCM First one saying blah blah contact local branch for review] second one with full and final settlement offer of my first claim £3802.71!!!!! Happy Days got to read their letter agree to terms and send back Any advice on whether to continue process of claim etc Ironman :p

HI Guys just sitting down todo my court bundle I ve got to print off statements from Internet banking Do you actually need to submit the statements or can you just go with the schedules previously sentto Lloyds and the court cheers Ironman

HI Kevin I did nt send the letter from Bartys link as I ve not got round to it yet.I rang my court to find out who to make a cheque payable for £100 and they wer confused -see below The court just asked me to send a letter in stating I d received conflicting advice re the £100 fee from them and asking Court Manager to advise accordingly.The staff at my court weymouth did nt seem to know whether a fee was payable or not when AQ have been dispensed with So at least my attempt to pay them is on file

Don t know if anyone else has had this experience I ve had conflicting advice from my court regarding the £100 fee required for Allocation Questionaires.One employee has told me still needs to be paid another not so as the AQ has been dispensed with. Anyhow I ve been told to write to the court manager stating the above and he will advise accordingly Anything is possible

sounds like same defence as mine

HI Kevin I got the same from mcol transferee to my local court court date 25/6 loads of cases on that same defence Lady at court says they will settle like last time.NO AQ required Just patience 8-) Ironman

Disgruntled fantastic Ill quote them that reference in my letter not long now