can any one tell me how to move my thread to success at lloyds?? thankyou xx

I HAVE WON!!!! i can't beleive it .... today was the last day for the AQ to be at court mine was already sent off but full offer came this morning in the post from SC&M including 8% interest and court costs i am over the moon so a big thankyou to everyone on this site and will be donating as soon as money arrives they say it will take 7 to 10 days ... not telling the court though untill i have the money.... only conditions was to keep account up to date or will be charged again... they say they have already wrote to the court and told them out of court offer has been made and are asking me to do the same of course i will when i have the money!! BIG THANKYOU TO EVERYONE xx

just an update here really ...after my claim was transferred to stockport on 14th may was told by the court AQ was to be dispensed with and my claim was to go the the judge for further directions... The judge has now asked for both parties to complete the AQ .. N149, i have completed the form with the draft order off this site and sent back to my local court with the £100 fee and another schedule of charges.. i have also sent a copy of AQ and schedule of charges to SC&M... Last day for submitting AQ for both parties is the 4th july no later than 4pm ... i will ring the courts on the 4th and if there AQ submitted then i may send a nudge letter to SC&M but only for the full amount of charges plus 8% interest and court costs, i don't see why i should take anything less.... will keep you posted good luck to every one else fighting for your money .....

hi london 1978... you will receive a copy of the banks defence with further instructions you may get an AQ but i did not... at the moment i am waiting to hear from my local court.. my claim went before the judge last week but i haven't heard anything ...you could always ring the court as i did and they will tell you how your claim is going as they are usually very helpful...if you haven't recieved a copy of your banks defence yet through the post this will be the next step and you will also be informed if you will have to fill out the AQ if you get one just post and lots of people will be willing to help you... keep us posted on how your claim is going and good luck....

firstly i would like to thank you for your reply and apologise for the ramble in my last post and will try to point my questions seperately in my future posts... thankyou again.. ok firstly regarding my POC it was very breif stating how long i have banked with lloyds, i inserted the dates and went on to say that charges had been taken from my account from july 2002 to march 2007 the charges exceed the defendant's losses caused by the breaches, the defendant is aware of all details as a list of charges has already been sent, claimant claims a return of the amounts debited of xxx and interest per s.69 county courts act 1984 of 8% entered total amount and that was basically it .. oh my face is reddening what a fool ... after i filed my claim on MCOL i then found CAG and realised what i had done!!! so i rang the courts northampton at the time and the lady there talked me through what i would have to do for making an amendment ,but she also told me that i would have to serve the new POC to lloyds myself so in my panic i typed out the POC of this site, sent it lloyds with a covering letter and a schedule of charges but the letter was basically offering lloyds to settle out of court as they had not acknowledged or defended my claim at this point ... so this must of been passed on to SC&M by lloyds and maybe this is why it wasn't on there defence... i was suprised to see though that lloyds did acknowledge my claim and then defend it rather quickly!! ok i will let you get your head around this mess untill i move on to further points mentioned... a big thankyou again

lloyds have defended my claim and i received the defence today.... 9 point defence ... also AQ has been dispensed with in this case... my claim has been transferred to my local court ... i would be very greatfull for some help and guidance here as feeling very silly and i wish i had found this site before starting my claim !!! so here goes ... the transfer of proceedings states that "any party affected by this order may under rule 3.3 (5) apply to have it set aside, varied or stayed. such a party must apply under rule 23.3 within 14 days of service of this order" what does this mean?? also after finding this site realised my POC was vague as used another template letter from martin lewis web site also i noticed after i filed my claim with MCOL there was a £300 LESS difference in the total i was claiming....as when i first calculated the charges i entered all the account charges for the select account of £5 and then £7 a month so i deleted these from the schedule of charges to get it right which has altered the amount...The origanal schedul of charges has been sent to lloyds three times all with the letters but not to the courts as none has been sent there yet as waiting to see about the amendment... so i rang northampton court and told them about it and asked about an amendment the lady there told me to print off an n244 and blank n1 form re write in black pen what stayed the same and re write in red pen what needed to be added or amended she also told me to wait to see if i received a defence and to see if i was sent an AQ as it could all be done at the same time.... so as i said earlier i have no AQ so rang northhampton this morning and they said to ring stockport (my local court) which i did and they advised me there to wait and see what the judge directs but she said this could take a few weeks as they have a back log of claims.... so what do i do now?? do i wait or make the amendment now whilst i wait for the direction of the court?? and if so will i still have to go through northampton or can i make the amendment from my local court??.... the defence doesn't state anything about the claim being vague by lloyds solicitors... but i have a bad feeling the judge will as my account details aren't even on the POC...i am blushing as i write this and have wanted to get your advice on this for a few days now but feel so embarressed by my whole stupidity any help with this would be fantastic so thankyou to any one who takes the time to help me

received the defence from lloyds this morning and with the notice of transfer of proceedings.... it states the AQ has been dispensed with... my local court is stockport...

thankyou barty

Hi Everyone.. Have Been Waiting For Lloyds To Defend The Claim With Mcol Have Just Checked On Line And It Now Says "defence" It Also Says That I Am Unable To Take Any Further Action Online On This Claim... It Goes On To Say That "the Defendant Disputes The Whole Amount You Have Claimed Your Claim Cannot Proceed Online And Will Be Transferred To The Appropriate Court For Continuation, You Will Receive Confirmation To Where The Claim Has Been Transferred To Shortly"..... Does This Mean I Will Get The Aq Now?? Also I Noticed That The Date Of Defence Is The 17/04/07 But This Is The Issue Date Could This Just Be An Error?? Also Lloyds Had Until The 19/05/07 To Defend As The Served Date Was 22/04/07 ... Any Advice On The Next Stage Would Be Great Thankyou

All The Above Sorted ... Thankyou.. Just Waiting For Lloyds To Defend ... The 28 Days Are Up On The 18th Of May As It Was Served On The 22nd Of April...

thankyou.. will take your advise... letter came this morning stating that ltsb intend to defend all the claim with the solicitors details .. sechiari clark and mitchell... suprise suprise ..

thankyou for your comments,, should i just wait now then ,, do i hear from the courts next to inform me what the next stage will be?? and can anyone advise me on what the next stage will be thankyou

thanks barty, sorry to seem stupid but does that mean from today,, as it was acknowledged today,, or the 21st of april as that would give them 5 days days from being issued as that date was the 17th of april just not sure as to when count the 28 days from sorry to be a pest barty!!!

Hi Everyone I Started The Mcol On The 17th Of April And The Letter From The Courts Says That Lloyds Tsb Had Until The 6th Of May To Defend Today I Noticed That The Claim Now Says Acknowledged..... When I Clicked On This It Says ..."the Defendant Is Allowed A Total Of 28days From The Date When They Are Seved With The Claim To Reply" Does This Mean 28 Days From Today Or 28 Days From When They First Received The Claim When It Was Issued In April ?? Many Thanks And Comments Would Be Great

Could Any One Please Tell Me If When Making An Amendment To Your Claim If You Can Amend More Than One Part Of Your Claim As I Am Currently Ammending My Poc But I Have Noticed That On My Claim With Mcol And My Schedule Of Charges That There Is A £14 Difference Dont Know How This Has Happened But Only Just Noticed It. Also Could Someone Please Tell Me How You Work Out The Daily Interest Rate Again As I Have Read It Somewhere But I Am Sure I Have Worked This Out Wrong And Also Do You Put This On Top Of Your Claim Or Just The 8% Sorry To Be A Pain Just Feel Deflated At The Moment Feel I Am Doing Everything Wrong Just Need Some Guidance Thankyou