Well....bit of a waste of time, to be honest. In and out within 5 minutes. Case has been suspended pending outcome of OFT case. SC&M did try to say that they had not received our reply to their settlement letter but fortunately we had not only our response but the recorded delivery details. We gave them another copy and that was about it. So have to wait the outcome now and see where we go from there.

It's at 12:45 in Cambridge Court. We're just getting ready to go now. Hopefully all will go well.......... -=fingers crossed=-

Hello all, We've got our Lloyds court hearing today, but I'm just wondering if it's worth going. Reason being, my mum heard on the radio that due to the OFT report, all cases are being postponed, pending the outcome of the OFT case. Is it still worth turning up anyway, just to see what happens? We did receive a letter from SC&M saying that their clients were interested in coming to a settlement, but after responding to that on the 14th June 2007, we've heard nothing since. Bit nervous to be honest... Should we lose, what costs can we expect to have to pay?

Wonder if anyone can help - had a scan through and can't see anything similar, so not sure if this is a new thing, or am just missing previous threads. The letter is from Sechiari, Clark and Mitchell acting for Lloyds. It states : REQUEST FOR FURTHER INFORMATION As you are aware, we are instructed by our client Lloyds TSB Bank plc. We have been instructed to write to you as ou Client is, entirely on a without prejudice basis and with no admission whatsoever to liability, minded to enter into settlement negotiations with you but before doing so, we are told that there appears to be a discrepancy in what you are seeking by way of a refund of Bank charges. We note from your pleadings that you are claiming (alleging) that various deductions were made from your account over the past few years, but you do not specifically say when and how. In light of this, can you please provide is with the following information by return : 1. Each an every individual amount of the charge that you are claiming and are disputing. 2. The date of each and every charge that you say was deducted from your account 3. How you calculate any interest 4. How you calculate the sum of £x and 5. Confirm your sort code and bak account Number(s). Has anyone else had this? They have had all the details before but it's not an issue to give them again. Can we add on any charges since it went into MoneyClaim, or amend the claim in any way? Would appreciate any answers. Many Thanks.

Hello. Am a newbie here...just posting about a Lloyds Defence as I'm not sure what to do now. This board looks great - have been reading avidly!

Can anyone give me some advice, please? I've had the "fob-off Defence" sent through but the letter that came with it from the court has had the "and note that the allocation questionnaire should be returned to the Cambridge County Court" bit crossed out and on the transfer letter (from Northampton --> Cambridge) it says 1. The filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise. Does that mean I essentially ignore the letter and see what happens? I've followed the steps over on MoneyClaimExpert and all the letters have been templates of the ones there, but am not sure if I now write another letter with the paragraph on top of this thread, or what happens now....? Any advice would be greatly appreciated. Thank you.