Well folks, here we go again!! Back in 2007 we tried, as everybody did, to take Lloyds to court over unfair overdraft charges. The Test Case that followed meant that we eventually had our case struck out because we ran out of cash to fight further. The thread for that is here Our Lloyds account is no longer in use. After suffering ongoing financial hardship we started a Debt Management Plan with Payplan. This ticked along for a couple of years with all of our creditors agreeing to stop charging us interest, until last year when out of the blue Lloyds started playing games and started charging again. After letters of complaint to Lloyds we took them to the Financial Ombudsman and won back the charges that they had added to our account. The thread for that is here They then continued with their threat-o-grams and I E-mailed the CEO of Lloyds. We eventually received an apology and £150! Well today the post has brought us a letter before action from Lloyds Solicitors, SCM.

Hi, I wonder if anyone has recently received a cheque for their ppi claim from Lloyds TSB? I submitted my claim last october and received a letter dated 9th august this year, the offered me £6886 which includes 8% interest and they went back 10 years, I was impressed and then I waited and waited and waited, it has now been 11 weeks since the letter, I was originally advised by Lloyds that they would issue the cheque within 21 working days, then a further 4 weeks and then a further 2 weeks etc, etc.... Is anyone else still waiting for their cheque even though you received the offer quite a while ago?

Hi All I wonder if someone could give me some advice please. We have been paying about half-a-dozen DCA's minimum amounts for 5-6 years or so, amongst them BLS on behalf of Lloyds. I've recently had a letter from BLS threatening CCJ action etc if we don't contact them. The letter says they assume we have no intention of paying this debt on a voluntary basis but as I say, we are and have been paying without fail £6 per month. Shall I phone them or write to them? Or just ignore it? Any help would be appreicated. Many thanks, Pru (the debt is around £600)

Hi, I have a few other threads for LTSB, but this new one is specific to my Loan and interest etc. I hope that I haven't duplicated over two threads but I wanted to keep this one separate. This is long, and I will try to be as concise as possible. I would like to ask for advice as what to do first, and wether the interest payments added are legal and correct. I am missing some information, and I have sent 2 SAR’s to LTSB, the 1st accidentally went to HBOS (address incorrect on ICO register and recorded signature failed so reclaiming from RM for ‘lost’) and I await the documents from the 2nd SAR. I have been reviewing all documentation from my creditors, as I have been on a DMP since June 2006, in 6 years I have reviewed frequently (with Pay Plan) and lowered repayments twice, due to rent increases etc. I still contribute quick a hefty chunk of money to my DMP, not just token payments - approx. £750 a month. This thread is for a Lloyds TSB loan, and I have adjusted the figures slightly so as not to highlight my identity to the trolls. 2004 : Loan taken - value £22,000 & PPI £5000, over 60 months (consolidated 2 previous loans) - irresponsible lending by LTSB (but thats another whole different story!) 2006 : 21 payments made and then financial difficulty 2006 : June started DMP (DMP to last 6 years but extended by 2 years as payments lowered) 2006 : LTSB refused to acknowledge DMP, harassed by many ‘arrears’ letters and threats etc, but interest appeared to have stopped. 2009 : Default notice sent over 3.5 years after ‘contractual payments’ broken 2009 : July, letter from LTSB states ‘interest frozen’ (clearly it wasn’t) 2009/2010 : Interest RE-started, no link to re-structure of DMP etc. Just re-started out of the blue. 2009 : Interest added as below, for a period of at least 6 months (I cant locate all ‘arrears statements’ at the moment) 2010 : Account defaulted, 1 year after DN sent, and 4 years after DMP started, and co-incidentally after interest added in thousands. In summary, I have paid approx. £16,000 whilst on DMP, so if interest stopped I would have a balance of a couple of thousand pounds. Instead the balance remains at over £11,000! When viewing an arrears letter I noticed a very strange calculation on the balance, I list one month example below (figures for demonstration purposes): Due Credit Debit Balance 12 Dec 09 Opening Balance 10,000 16 Dec 09 Repayment 250.00 09,750 17 Dec 09 Repayment Due 600 10,350 19 Dec 09 Interest 150 10,500 So charges of £750, my payment of £250 is not touching the balance and EACH MONTH the figure is increasing by approx. £500! Q1 : Is this correct, is this the correct accounting procedure to add the £600 contractual payment to the outstanding balance of the Loan. This certainly is not on any T&C for any LTSB previous loans (these were consolidated by I cant yet find the CCA for this loan). Q2 :If the interest was frozen initially, and then re-started can I challenge this under hardship rules? Q3: I believe I can challenge default date, as this is well over 3 years after first contractual payment missed. Is this true? At this rate the loan will never be paid, and my credit file will have this loan on there permanently. At this moment in time I don’t know if I am more p’d off at the credits administered onto the loan, or that my credit file will be permanently ruined. I do have PPI to reclaim, as it was mis-sold (cover provided elsewhere) but I am not sure at what point to reclaim, I was thinking of doind PPI reclaim after questioning the interest charges etc and thus getting the loan to a reasonable value before claiming PPI which would in effect reduce balance to 0. Sorry its a long one, but I wonder if anybody else had the same ‘service’ from lloyds on their loans under DMP? Thanks

Hi, i sent sar letter plus £10 to lloydstsb,they've sent all information within the 40 days. All late over limit charges plus interest came up to £750.00(8% interest) So sent letter asking for money back within 14 days or i would start court action.No reply after 14days. Should i sign up to Moneyclaim or is there a link in your library. Thanks amy29

We have received a default notice from lloyds bank stating that we are over £4000.00 in arrears on a loan. We have met all loan repayments by direct debit and know we do not owe them this amount . On contacting them we were told that the debt was due to them claiming back ppi payment that they refunded to us in December as we had made a claim on it . We have never made a claim from it and have since been transferred from the collections people to the loan people to the ppi people to no avail. We have the names of everyone we have spoken to but nobody will take ownership of the situation . The PPI people have confirmed to us no claim has been made . We have asked for an explanation as the first correspondence we received was the default notice. We have had promises of call backs which have not happened. I have written asking them to prove what period the arrears have accrrued from and am waiting a response . The default notice states we must pay by 19th June. Can you advise please ,

A SAR request was sent to Lloyds TSB early June 2011 quoting various account numbers and the account holders names where more than one person was involved. Following drips of small information being received a follow up letter was sent end of June advising 'failure to comply' with SAR request and a small bundle was delivered to a branch of their choice this week for collection. The covering letter addressed the points raised in the original SAR request early June. One of the accounts was a Vantage Card Account going back to 2002 and they have supplied a copy of the agreement signed and ticked Optional PPI cover not realising that Self Employed person's were not covered. Further more, they have only provided 12months statements for this account covering 04/05. This has since been put in the hands of DCA's and they do not know how they have arrived at the balance outstanding, the amount they are claiming is currently still outstanding. Surely, if they can find copy Agreements from 2002 they would have copy statements from then also, I assume this is delay tactics? On the few statements they have sent we can identify PPI premiums and 'Unfair charges' which they intend to claim. LTSB then say that they only share information with Experian & Equifax when quite clearly on other documentation enclosed, they have sent agency letters to 4 other organisations! They have included screen prints and conversation thread from 3 of these but nothing from the other 1 but there are no copy letters, yet they have recorded that letters sent on various dates. Another of the accounts was a Personal Loan used as a Bridging facility during the sale and purchase of 2 houses. This was also in 2002 and included PPI and once again would not be eligible as both parties Self Employed but the premium was advanced as part of the loan yet the loan was totally repaid in 6 months. How is a one off PPI premium claimed? Is it through the same spreadsheet with interest in restitution at 29.9%? They have failed to supply Current Account Statements, Mortgage Account Statements, additional c/c statements as above and generally appear to have been selective with the information they have supplied. Due to the recent news bulletin that the banks have been granted an extension to comply with SAR requests (16 wks) as apposed to the usual 40 days, we calculate this will be due to expire early September. They have also advised that they are not the data controllers for Black Horse who provided the mortgage facility and anything to do with the Mortgage Account must be a new SAR request to SMSL RE SPML. Has anyone else had this response? I appreciate there is more than one account here but wasn't sure whether to create seperate threads but then it would complicate matters from the off, I thought. I would like to draft a new letter up advising they have failed to comply with the SAR request but due to the complexity I am not sure where to start. If anyone has any suggestions they would be willing to share I would very much appreciate your assistance. Shelley

Hi, I urgently need some help regarding my Llyods tsb credit card claim and i would be gratefull to anyone that can help out. I had a credit card with llyods from 2002 to 2008. In December last year i sent a s.a.r request to Llyods i received a response to my s.a.r in february 2011. Llyods supplied everything apart from statements before 2004 and one statement in february 2008 they failed to give. I wrote a letter to llyods explaining that they should give the statements before 2004 and the statement in 2008 as statements are held in other formats such as microfiche, they simply replied stating "In line with the retention period for card services, credit card statements have not been retained for your credit card prior to 2004, statements are not held indefinately and are usually only retained for a rolling 6 year period, as for the february 2008 statement this is no longer avialable due to a technical error with the system" i wrote agian and got the same response and wrote a third time and got the same response. A few months ago i decided to pursue this in court so i filed a court claim agianst for non compliance as llyods did not supply statements prior to 2004, i used the link below to fill in the n1 form post number 30. http://www.consumeractiongroup.co.uk...oyds-TSB/page2 Recently i received a defense from a solicitors firm acting on behalf for llyods which you can find below. Basically Llyods are stating they have fully complied with my s.a.r and that i was told to contact the customer relations department for any further help, they have also said i have no case and for the case to be struck out and i should have to pay for the costs incurred by llyods. They have also stated i am subject to strict proof that the sar was not complied with. What i would like to know is was i right in contacting the llyods dsar team about the missing statements prior to 2004 and the missing statement in february 2008 and they are the ones that i had to pursue to get the statements not the customer relations team? Should i have contacted the customer relations team about the statements because i did not do this, the reason for this is i assumed the dsar team handled all this and i wrote to them 3 times and got the same response. What should i do now as i have received the allocation questionaire and has to be returned by the 11th of november, should i submit this to the court or explain to the solicitors what i want? i am a little concerned because reading back on what i wrote on the n1 claim form i didnt really make it clear that i wanted statements prior to 2004 i just wrote they havent complied with the s.a.r.

Hi I was sold a consolidation loan by Lloyds a few years back during an "Account Review meeting" (yes I do deeply regret being stupid enough to fall for that one!) - which was designed to pay off my Lloyds credit card balance as well as three small loans with non Lloyds companies. At the end of the meeting - as the Lloyds rep was printing out the documents to sign she said that the lending department had added a clause stating that to prevent the loan funds being used for other purposes - that provided I dropped off the documentation for the other loans - that Lloyds would clear these amounts for me! This was the clinching argument - I signed - I dropped off the docs and nothing was ever done. Having recently found the loan docs there is as far as I can see no such clause added. Some of the loan remains outstanding - due to a multitude of problems and change of circumstances. I have taken this to the Financial Ombudsman - who found for Lloyds as there is no clause in the doc - but I KNOW what she said - there must be something I can do?!!! This cost my marriage and probably my sanity (although that may be in question as I agreed to this based upon promises made - so maybe my sanity was questionable back then) Advice?!

Hi all Lloyds has defaulted an account that without ever issuing a default notice. The default date was 9/2/12 and the last statement was sent on 2/2/12. I have never received any letters from DCAs or solicitors concerning the account and the next thing I know I'm defaulted. Has anyone else had this happen to them? What can I do about it to get this sorted. Any help appreciated please. I think they're just getting back at me for the charges I claimed back years ago. Just to add, at the end of the last statement it says that fees for period 4/2/12 to 1/2/12 will be debited at close of business on 1/3/12. Would they have said this if they intended to default the account? Thank you.

So...lloyds.. EPISODE 2..The sage continues Long long time ago in a crap bank far away-- lloyds have added charges onto both of my current accounts.. Im STILL..unemployed,which i have explained obviously. Theres around 70 on one account and 40 on the secondary. the 70 pounds account has no arrangement on it as they simply wont agree to it..ive tried the 40 has got one on..which is good but still unusable! So the other day i got through to there complaints department.The advisor..he was okay actually! said usually due to complaining,he would be able to waive these charges..but due to being in collections apparently he cannot so made an appointment for me in a branch..which i thought 'hows that going to help' and made the appointment. The gentlemen from the actual branch rang me half an hour before the appointment saying he couldnt do anything lol..i agreed. I have asked them to somehow remove the charges of one account at least so i can use it..to the other..as usual..nope cant do that. i said can it be moved elsewhere..nope cant do that. besides camping outside there doors and starting a protest over £110!! im at a loss of what to do. what is more annoying..whilst granted my fault for not keeping the account in order..i dont deny this..they are no help at all. Im unemployed..if i had money to pay fot this small amount..i would? i need one account at least! does anyone have any ideas..i cant do another conversation with these people.i will get angry. If the accounts were thousands of pounds id come some way to see there point maybe? regardless..any ideas.? sorry for the long winded message, very frustrating. and to top it off.they are adding another £45 on the 1st june.

Just a quick question, before I ring LTSB tomorrow. I've had an account with them for a few years and never had any problems with charges, but at the end of January had some problems and went into an unplanned overdraft. They won't give me a planned overdraft (fair enough) but were happy enough to authorise an unplanned one, with all the fees that go with it. On the 20th of January, I went overdrawn by £74.99 I repaid all of this on the 17th of February. Over the 27th-29th of February, they again allowed me to go overdrawn by £50 On the 1st of March, they pushed my account to £134.14 overdrawn because of the added charges. I naively assumed these were charges from January and February I then paid in the money to cover all this on the 19th of March On the 1st of April, they charged me again taking me overdrawn by £87.91 - I repaid this the following day I had assumed (wrongly as it turns out) that the charges on the 1st of March were for Jan & Feb, and the charges on 1st of April were for March. I have today (yesterday actually) been charged another £95.95 which I now realise is for March. I don't have the funds to pay this off until the 19th, so it means again next month getting almost £100 of charges. Is there any chance they'll either write off these fees based on my misunderstanding, or even just freeze the charges so I can get myself back into a decent position? I also think it's incredibly unfair they decline me an overdraft of £50.00 but then allow me an unplanned overdraft of £49.99 which has now cost me £271 approx (plus the further cost of charges to follow next month).

Hey Will keep it short, I complained about the mis-selling of the loan, Got a refund of the interest credit back to the loan account in January 2012, and agreement a payment plan. Got the letter from Consumer debt recovery confirming the payment and that the account was closed. The payment book that was meant to have been issued never arrived, See Picture one of the letter 2 days ago got a phone call and today this arrived Lloyds TSB say the first letter was sent in error and told me to bin it (as if i will do that) but say i still need to pay the balance requested by Iqore. I have made a complaint with LLoyds TSB Leeds for the consumer debt recovery complaints just looking for advice on what i should be doing if anything Any advice ?

Hi, I seem to be having some real issues with Lloyd’s. I used to working in England through a limited company, two years ago, the job market ran dry, I managed to find a software contract in Brussels. I get back to England every 2-3 weeks. I have been using the wages from that job to settle a large tax debt and an outstanding company overdraft. I managed to get the tax debt paid off. I then started on the company overdraft. I managed to pick in Brussels about the rumours off pip misspelling. I knew I had a ppi policy on the overdraft. I requested a copy of the policy document since they had never sent me a copy. When read it I discovered I not covered, if I do not have a job in England I asked to repaid the premiums charged while I was working in Brussels, at their request I supplied with documents indicating that I was working in Brussels. Their normal response has been to ignore everything unless I chase them. Their complains section has paid out 200 GBP when I complained about this. As this claim progressed it Lloyd’s classed this as claim for the entire PPI policy(I have been paying PPI on the business overdraft for 8 years). They offered a refund for 3700, I was not going to complain, I just wanted the money to pay down the overdraft. I received a letter to the effect make a payment on your overdraft, I response by saying I have made a claim about ppi mis selling, you have agree to repay me 3700. I understand from the popular press that there have been some issues with banks paying out on time. Would you like me to 1. Use a factoring company to cover this debt, I would expect you to cover the costs as you owe me 3700, which is more than enough to repay 66% off the overdraft. 2. I could sue Lloyd’s bank in court for rapid payment 3. You could extend the overdraft until this payment has been made Please get back to me. I enclosed a copy of the offer from their ppi processing section. I sent it registered mail. I also requested a callback from my business manager, this did not happen. I got back on 30/3/2012 to discover 1. They have cancelled the overdraft. 2. They want to charge me 26% interest 3, They want full repayment. I did phone them up, I wanted to point out that they owed me 3700, these facts where not in dispute, that was enough to settle a large part of the overdraft. If anybody was the upset party it should be me because they had been charging for a financial product off dubious value. When phone call when on for about an hour, they would not budge. I raised every issue that I could think off mainly being. 1. If they had paid out when I accept their ppi mis-selling offer we would not be in this position. 2. If they had not offered their ppi policy in the first places, my account would have an extra 3000 GBP in it. 3. I had been told that the only way I could have an overdraft in the first place was if I accept their ppi policy Their main arguments were "The ppi offer is nothing to do with us, now about your account" "we can not wait for your ppi offer" When I describe their PPI as a financial product off dubious value, I was told "you should not believe everything you read in the newspapers" During the conversation the person making the phone call put the phone on hold several time while he referred to somebody else. I did phone up the ppi processing section and was told it would another 8 days on the 30/3. Q. Do I have any come back? 1. I think I am being treated unfairly. 2. They are demanding payment when they owe me a large sum of money. 3. They are charging an large interest rate when they only offer an 8% interest rate on a sum of money hey have taken from me. It some what stressful working in Brussels when this ticking time bomb is waiting for me. I have told them that they are welcome to send letters to my Brussels address but unless you send it airmail it will take about two weeks to reach me. Since I am normally back in England twice a month and they will not send things airmail its faster for me just to pick up the letters in England. I have made a request on 31/3/ for my relationship manager to call me back, despite 6 reminders for her to call me, I have heard nothing. I have kept a mobile phone with a UK number so that I can be contacted by anybody. Since December my wife no longer has a job. The only way that I can afford the sums that they are demanding is dip in to the money that I have saved for the Tax, which would be illegal. Any advice grateful accepted.

Hi I really need some advice regarding a recent PPI claim I have submitted to Lloyds Bank. My story..... My father took out a loan for me back in 2005. The loan did not have PPI. As I would be paying back the loan, a monthly standing order was set up to transfer the money from my account to my fathers account 3 days before each payment was debited from his aco****. The bank told me I had to have PPI to cover me as I was ultimately paying the loan. The situation was no PPI agreement, then no loan! I sent all the details to Lloyds using the standard PPI claim form and I have received a letter from Lloyds to say that the account information I provided did not have PPI. I fully explained the circumstances surrounding the purchase of PPI including the PPI account numbers and my bank aco**** number (as I am a Lloyds bank account customer) but still they are telling me that no PPI has been purchased. Please can you give me advice on what my next step should be? Thanks in advance.

I'll preface this by saying I know it's not a massive amount, but I'm finding it slightly disconcerting! Recently I've discovered that every time I check my Classic account online there's £1 missing! First time it happened I just assumed I'd forgotten something, but couldn't place it. Second time it happened I got a little more concerned as I was short on money. Now it seems to happen every time I check my account online. I've just checked my account now to see if a payment's been taken and, low and behold, I'm short by a quid again! Does this happen to anyone else? Is it just a glitch in the system somewhere? I'm only asking here because I keep forgetting about it! It's only because I've literally just checked my account and it's happened again. If it's just happening to me I'll get it checked out, but if it's a glitch in the system there's nothing I can do but report it and hope Lloyds pull their collective finger out and fix it. Just thought I'd see if anyone else is affected before I make an issue out of it. Cheers!

Hi, everyone I wonder if you could help. My wife’s phone was stolen from the secured locker in the female changing room in Virgin Active two week ago. We had informed the police and the airtime provider straight away and had obtained the crime reference number. We hence tried to make a claim from our mobile phone insurance with Lloyds TSB (premier account holder), unfortunately, we received the letter today saying the claim was reject on the basis of exclusion clause hiding in the T&Cs states that “Theft of the phone and accessories from any unattended building or premises unless evidenced damage was caused in gaining entry to, or exit from, the premises”. I am wondering if they are allowed to reject my claim on the basis of "unattended building or premises" even though the locker was secured locked with combination lock although there was no sign of force entry? I know there are few instances that the management of the gym can gain access to the locker if someone left the locker locked more than 24 hours period Thanks

i have great hardship problems this last year as lloyds tsb refuse to stop microsoft taking money every month (£100 sometimes) from my personal account without my consent, i am a pensioner and 85% disabled, my health has deteriated as i cannot buy food ,i have a debit card & because of little mobility shop on line, so i need a bank account, but not to the extent taking my pension...

My son had a unauthorized overdraft with Lloyds Bank since last year and the interest is mounting up and now he owns £417 from £287 original. He is no longer using the account. We have written several letters (recorded) explaining that he has lost his job and has no income. He has gone back to college full time and his parents are supporting him. He is not getting any benefits and therefore has no means of repaying.We asked for the account to be frozen and also sent a cashflow statement from National Deptline stating that he had no income and offered a settlement payment of £250. They have ignored all letters and now we have a letter from SCM threatening with court action. They also saying that interest is still charged daily.Not sure now what to do next!

Hi there - wonder if anyone else has had or is having the same drama....?? I applied for an SAR to Lloyd's because I believe I have been mis-sold PPI on my credit card. I received a LOT of info, including past statements but there was no information regarding my original credit card application. I don't have a copy of it as it was a long time ago, but believe I filled out a form (unsure if it was web based or via post / branch). Surely I should've received a copy of this original application, plus PPI insurance details as part of my SAR? Does this mean they are fobbing me off, or do they genuinely have no record of my original application? Should I be writing to Lloyds to state that I haven't received this information? It's just I need to be have this info to submit with my claim. Confused and Frustrating!! Any advice and help is greatly appreciated!! Many thanks!

Dear All, I am ever so grateful for CAG for providing such a valuable service. I hope to find help related to my query. I had taken a personal loan from LLoyds in around 2003/2004 for £15k and paid half of it through installments until I was hit with redundancy and could not pay the rest, around £7000. But since then I have never been in touch with Lloyds until last December, where I requested for SAR after Robway had suddenly started to chase me. I requested for SAR for four things, Firstly to determine whether i was sold PPI secondly, to see whether my loan was statued barred. thirdly, whether Robway were the actual owners of this Loan. Fourthly, Amount owed has now jumped up to £9040, I wanted to see how. My enlocsed cheque payment of £10 was withdrawn on 25th of Jan 2012 which was around a week after I had sent the request. I have received no reply from Robway in return to my SAR request but I have received the attached letter from their in-house solicitors instead. As I am new to this, I would be greatly obliged if any help is provided. What should be my next step from now onwards? I would ideally want to check whether this loan has been statued barred if not then what is the best course of action for me? Thank you in advance for doing the needful. Their letter is attached herewith without acknowledging any SAR request. AKI

Hi I am trying to determine which creditor will be next for me to start re-claiming for all of the outrageous charges I have been ripped off with over the years. I need to choose one of my creditors for February and Lloyds CC is high on the list. I was wondering what other peoples experiences are with them and what they are like defending etc. So far in 2011 I have been stung for just short of £300 in late fee’s/over limit fee’s. so I will need to SAR them for the previous 5 years (pretty much the same I’m guessing). It will be the Court route I will take not the FOS (PS ..if PPI shows up via the SAR, then its a bonus!)

I opened a Lloyds bank account in 1995 and have held the account ever since. It has never been subject to any of my credit searches and has never appears on any file. Suddenly I received notification from Equifax that it had been added to my credit file. I haven't signed, deviated or agreed to any changes. Could someone clarify if this is normal procedure and companies are allowed to add to a credit file after such a length of time not appearing on the file? I still have the account, have no intention to stop using it or closing it. The holding branch has lost the original signed agreement as I did enquire for this 3 years ago.

Can anyone tell me bank charges can be taken from benefit payments? I want to try & re-claim my bank charges but i'm unsure if i should make a normal hardship claim or try & get my charges re-funded based on the fact they were taken from my benefit? I have tried to research this subject but keep getting conflicting advice. I live in Scotland if this makes any difference? No other money was going through my account other than benefit payments. Thanks. Donna x

Hi all. This is probably a very very stupid question but I would truly appreciate some clarification on it! I had a credit card with lloyds TSB a long time ago on which I was missold PPI. I put in a claim. Since putting in the claim I have gone into an IVA and no longer have access to that card or my ltsb current account. I recieved a letter from lloyds some months back saying they owed me £129.03 pence and would pay it directly into my account to settle the complaint. I assumed this would just come off my IVA or my balance and thats that. I heard nothing more. and no reduction in my balance occured. However today I got a letter "further to our letter to you dated 05 December 2012, in which we made you an offer to settle your complaint about your payment protection policy I am pleased to enclose the cheque payment as detailed in our earlier letter" I have torn this slip off the bottom of the letter. Here comes the stupid part. Is this slip a cheque I can now take into my new bank "halifax" and pay the money in? Or just some kind of confirmation? It looks like a cheque but ive got myself confused!