Right, sorry Olstar, I now understand! Paras c and d both refer to the court bundle. This contains decided cases and the relevant legislation. See previous post for the link. Paul

I've just noticed that the letter from the court is dated 12th April! And you only just received it Now I'm confused!

Hi Olstar, They evidently hadn't received your AQ fee at the time the directions were made. Worth phoning them to confirm whether or not they've now received payment. And it sounds like you need to get your court bundle in pretty quickly. See here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html You also need to send your schedule of charges and copies of the statements with the charges on them. All of the above to the court and the defendant and don't forget to include copies of all correspondence. All the best, Paul

Hi Amy, Have a look here http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html and remember to include copies of all correspondence with the bank. Paul

Hi Bassplayer, You just multiply the total claim by 0.00022, which in your case gives a figure of 0.45p per day until settlement. Paul

Hi Drew, Sorry to say, but that sounds like a service charge and these are not reclaimable. Paul

Claim the full amount.

Hi Neena, Looks like everything is going to plan and there's nothing to worry about. Lloyds always use SC&M. What you are waiting for now is the Lloyds defence. If they do not file the Defence on time let us know. The recent case "won" by Lloyds has no bearing on any of our claims. Its business as usual. Keep going and your success will be inevitable. All the best, Paul

Hi Brassic, Nothing to be scared about here. The Directions actually are good for you and not so good for Lloyds. Points 1, 2 and 3 refer to the court bundle. But the important thing here is that Lloyds have to provide their arguments to you and the court at least 21 days before the hearing otherwise you win. Nice one All the best, Paul

Hi Evileye, Yes, by aknowledging it gives them 28 days from when the claim was deemed to be served. Don't be too keen to hit the judgement button, though. I know its unfair but the courts do allow a few days grace. A bit surprising when you consider how badly the banks are abusing our legal system. Anyway, I recently had a big win against NatWest, but I waited for 5 days after the defence should have been submitted before clicking the judgement button. Their solicitors sent a cheque a week later! All the best, Paul

If you PM me I can email it to you. Paul

Hi Steve, I don't know the answer to that, but my guess is yes. You would probably need her written permission. I attended court a few years back with my mother in law and spoke on her behalf. Why not give your local court a call, they are usually very friendly. All the best, Paul

Elena, Don't be in a pickle. This is normal due to the fact that the banks are clogging up the courts and abusing the legal process. Things are taking longer. All you need to do at this stage is wait for directions and start preparing your court bundle so that you are ahead of the game. All the best, Paul

Jay Jay, When the deadline expires don't go for judgement immediately, give it few days. Let's see what happens anyway. I recently won a case against Natwest. They failed to enter a defence so I waited 5 days and hit the judgement button. 1 week later the cheque arrived. If you are too quick to enter judgement its easy for them to get it set aside, which wastes even more time. All is as it should be with your claim so nothing to worry about yet. Regards, Paul

Jay Jay, They have until 4th June to aknowledge, which they will probably do. That gives them 28 days to file their defence with the court. BUT, that 28 days goes from when the claim was issued (I'm guessing that was 23rd?). So the latest date by which they can file a defence is around 18th June. However, the courts always give a few days grace, so don't be surprised if they suddenly defend on 19th or 20th. Its a bit of a waiting game now but those are the timescales. Keep us posted. Best, Paul

It just means that the claim has been issued and deemed served on the bank. They need to aknowledge within 14 days. They then have 28 days from when it was issued to file a defence. If they fail to do this you can then enter judgement. All the best, Paul

Great result Miss Naughty! Congratulations. Business as usual for Lloyds customers. All the best, Paul

Hi, You'll find it here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/11644-allocation-questionnaires-guide-completion.html All the best, Paul

Andy, Not sure about the ex employee question, but the next step is to file your claim against Lloyds, and don't bother waiting for a response. All the best, Paul

Gallen, Just send them your LBA and continue in the tried and tested way. They are just trying to fob you off. All the best, Paul

Sounds about right. You can check the exact date on MCOL.

Hi, Remember, the 28 days is from when the claim was served, not from now. Usually 5 days after you file the claim. Paul

Hope this helps

That may be all well and good, but the point that I'm making is that this is a self help website, so no place for CMCs here I'm afraid. I don't know why you think Kevin would have won his case if he'd used a "proper claims management company". If you read the judgement and familiarise yourself with the facts of that case, the defence should have been struck out. I don't know what Podgydad or Will Scarlet might have done to help in that matter. Not much I suspect. Of course these companies are free to operate as they wish, nobody is arguing against that. And, on the other hand, it is perfectly legitimate to express an opinion that they are ambulance chasers and chancers. That's called free speech. At the risk of repeating myself, this is a SELF HELP website. Perhaps people who run CMCs should set up THEIR own website because this one is for people who want to do the job for themselves.

Definately keep the lid on the cans for the rest of the night Paul!