I have taken out three loans each one cancelling the one before , each time I was advised and recommended to take out the PPI , I am unsure if the PPI was paid off /cancelled before the next loan started ,I have written to my local bank asking to confirm this one way or another but have never received a reply. Each time the PPI was added at the beginning of the loan , but I am also still paying interest each month on the PPI. I did phone last year asking to cancel the PPI but was informed this was not possible. Do I have a case ?

Money was in my bank this morning! Is there a standard letter I should send to the court. Is there another thread I should put my success on. Thanks for all the help.

Sent in AQ, and informed SC&M . The court has said this will now go in front of the judge who will decide what is going to happen, I take it this will mean a court date. So back to getting the bundle ready again. Will be out of the country for 5 weeks so will not be going to court for a little while anyway. A person from SC&M told me it is taking approx 3 weeks for the monies to go in.

Have phoned [problem] again, they said they would be phoning their client to try and get payment, have said they will ring me back later. Have told them the AQ will go i this PM if I do not hear. Do I then wait for a court date?

Is this letter suitable to put in section G ? The defendant in its defence contends that this claim is not suitably particularised, the claimant disagrees with this as the defendant received a detailed schedule of the claim prior to the claimant taking the initial steps to file the claim. Additionally the defendant was served with this information on one other occasion previously. The defendant also states that part of the claim is statute barred by Section 5 of the limitation Act 1980, with this in mind and in an attempt to resolve the issue as advised by the court the claimant has written to the defendant on three separate occasions stating they would limit the claim to charges levied after 19.04.2001. The claims particulars clearly state the statutory and common law provisions on which this claim relies, and the claimant will of course elaborate upon the claim particulars at such time as is required upon the direction of the court. I have attached the correspondence sent to the defendant together with a copy of the schedule to this allocation questionnaire.

I will attach the lettrs I sent to SC&M whereby I was trying to achieve a settlement as instruted by the court for section G, do I need to add anything else?

Thank you G Have just phoned SC&M and said I would be issuing an AQ, they said they would look into it and see if a payment could be made today, I will be phoning them later but if no payment has been made I shall be sending the AQ to the court, copy to SC& M. will they accept a Fax?

Update 16th is up and SC&M have not deposited anything into my account. Have Written a letter to the to the court (copy to SC&M) informing them of the situation. I also rang the court today asking if I still needed to submit an AQ , they said not as a letter would suffice. Still not 100% sure about this.

many thanks , gratefully received - mgp

I am surprised that they are called rrp s , I thought a contract would have been signed at the start with some form of charge band perhaps.

My husband has had a life insurance policy for several years with Scandia , they have now said his premiums are to rise from £83 to £193 per month or his life insurance will halve by 50%. Does anyone know if they are legally entitled to do this.

Lloyds have written to the court (29th june) saying they will pay me in full within next 10 working days (stay was up on 1st July) Also Sent me 2 letters , one saying they will pay me within 7 to 10 working days the other also saying the same but asking me to sign terms. Have looked at this in full and as I will not be making another claim think I may sign it . Thoughts please..............

Just been told by the court not to bother with AQ but to send a letter to them saying no payment has yet been received this will keep the claim open, apparently they are asking all bank claimants to do this. Have had another look at the letter Lloyds are asking me to sign, there is really nothing in there that I particlarly object to, will not be claiming any more so may send this off, although part of me does not like the idea of them imposing terms when I was the one who brought the claim.

Ok so what should I put in section G? , surely the court should know about the correspondence I received from the bank . It does say on the stay that where a selltement has been reached a list of those issues must be attached to the AQ. The letter Sc&M sent to the court stated that payment would be in my account within 10 working days this is prob the reason the court thinks it is settled. Do I let SC&M know I have sent an AQ to the bank? When I spoke to the court they said if I do not send an AQ a £65 fee is needed to reopen the claim.

So would you advise sending AQ still?

Have spoken to the court and according to their records the claim has been settled, do not understand this as I (being the one who brought the claim) has not agreed it is, and no payment has yet been made to me . Think I will send an AQ to the court before 16th July, in light of the offer from Lloyds do I attach the letters received from SC&M offering a settlement . Will this keep the claim open or will the court assume it has now been settled? Should I write on the AQ that to date no payment has been forthcoming. ?

Time running out need advise....... Found this letter (see below) on the site ,unsure if I should send this to SC&m in place of the letter they asked me to sign with their terms and conditions about not going overdrawn etc etc. (copy to the court) Was waiting before sending AQ as hoping a payment would have been made. My worry is will the court assume all is settled because of the Lloyds letter to them saying they would be making a deposit to my account within 10 working days,and if this is not forthcoming will my claim still be ongoing in the courts eyes assuming I keep them informed. Dear Whoever Ref: Your Offer of Settlement Account: xxxxxxxx Sort Code xx-xx-xx Claim No: XXXXX in XXXX County Court I acknowledge receipt of your letter date xx/xx/xx and your settlement offer of £XXX. I accept your offer as full and final settlement only for this claim of bank charges made on my account between xx/xx/xx and xx/xx/xx(dates of first and last charge) However I will only accept an unconditional offer and will therefore not be signing your acceptance agreement I accept this offer without prejudice and I reserve the right to make any further claims should you apply future charges that may be considered unlawful under common law or in violation of the Unfair Terms in Consumer Contracts Regulations 1999 or Unfair Contract Terms Act 1977. I will be willing to withdraw my claim and will send a Notice of Discontinuance to the Court upon receipt of unconditional full settlement of my claim I am also not prepared to agree to any confidentiality clauses you try to impose, unless of course your client wishes to make an offer of due consideration in addition to the amount of £xxxxx, in order to be afforded this privilege by myself. I trust that you will find this arrangement acceptable. copy to court

Just received another letter from SC&M it reads........ As agreed the sum of £... will be credited to your account by our client over the next seven to ten days (letter dated 29th June) if not sooner. In light of the above we have written to the Court advising that this matter is in the process of being settled and trust that you will write in similar terms and send us a copy of the letter. Going on there dates it should be in my account by wed 9th July . They want me to return the signed letter agreeing to their terms by Thurs 12th July. The AQ i(if sent ) should be at the court by 16th July

Ok will wait , the 12th is next Thursday so have 5 days before posting letter to bank. Will check this site over next few days as much as poss to see what or if any info is posted. Will also have another look through threads myself Many thanks will be in touch mgp

Sorry AQ by 16th - signed letter to be retuned to bank by 12th July

16th July - claim under £1000

so still send the AQ?

Have just received a letter from S C& M has a list or terms I have to sign and agree to with the terms being confidential to all parties. IN BRIEF Agree to maintain accounts wihin agreed limits Contact Manager to discuss accounts Full and final settlement (they are paying full amount asked for) The covering letter states a number of things which all add up to them not admitting to them being at fault but will pay up anyway, it also states that I am not required to show this letter to anyone I do not think i have a problem with signing the terms, but should I continue with the AQ still?

should I also send the Draft Order for Directions with AQ ?

Should I therefore still send the AQ ?