Hi there i am new to the forum but have been viewing posts for several years now. Basically back in 2007, We tried (i say we as my wife had a lloyds tsb credit card which i tried to help get charges back) to obtain the unfair charges on the account which consisted of PPI, Administration Charges, Late Charges, Unpaid Chq.DD Charges, Merchandise Interest and Late payment charges. Including interest these total up to around £2700, then there is the 8% to go on, most of these charges are from 2001-2006 so the interest has built up. The credit card account is currently not used, closed off but has a negative balance of £2014.00 We have written to the bank to try and resolve this and threatened court action etc, only to be told we could not carry on any further as the famous "test case" that the OFT put in place was going ahead, We did not realise this did not include credit card accounts. However never heard anything from Lloyds TSB about the debt and presumed it had been cancelled after a few strong letters sent to them. 4 years later, we have recently recieved a letter from a company called Lowells, attempting to collect this debt of which we contacted lloyds TSB, They claimed the debt was still owed so we informed them that the last response from them was that the account was in dispute and no further action would be taken. We did not hear from Lloyds TSB again. As soon as the lowells letter came, i requested the original contract from them etc and advised them of the dispute via letter and issued the court summons for £3200 plus costs I received a without predjudice letter from SCM solicitors (i presume these are Lloyds inhouse legal dept) offering an out of court settlement of £210 plus my £100 court fee back!!!!. After i stopped laughing, i started to draft my response I wrote back to them to tell them court proceedings will still go ahead of which they have filed a defence (looks pretty standard to me) spouting terms and conditions and claiming the claim is denied etc I have filed the AQ today and requested mediation Am i correct in doing this? I have taken a few people and companies to court through money claim / small claims and all but one have paid in full through mediation but from what i have read on here, The bank will not show up to defend anyway and so i may as well just have this transferred to my local county court. If you can offer any advice on anything i have listed above, i would be very grateful. I will start to prepare my court bundle which shows that we have tried to resolve this years ago as lloyds are now saying that claims older than six years are barred by the limitation act 1980. I also have all my statements from Lloyds and have a spreadsheet which calculates the interest since the day it was charged etc. I have provided Lloyds TSB with all of this information and their response was, please wait for the outcome of the test case. This has gone on for far too long now so i want to take these down!!!!!!!!!!!!!! hope anyone can give some good advice regarding this as i don't want to lose this over some minor technicality! Thanks James & Lucy