Thread: re:court papers- why include t and c ?

as im preparing my court stuff, im just wondering why is it so important to include a copy of the terms and conditions- they dont actually break any of these do they ? is it just because this shows their terms are unfair?

id just like to clarify it for my own sakes- i can be a bit slow on the uptake if anyone is wondering

thanks

gaz

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think it is to show that they are fees and not admin charges etc but not sure so hope someone else can help you

on the t and c it describes them as charges for a long time and even with Breakdown sent by solicitors shows them as charges.

fees are only the things like the overdraft fee which you dont claim anyway.

hi, if i included overdraft fee in my charges list, will this affect my case or will these charges just be struck off

not sure mate, i know you cant claim them but id just imagine they wouldnt be took into account.

can any moderators answer my original question about why to include t & c in my court bundle?

thanks

gaz

I believe the guy who lost to Lloyds TSB did not have his T&C's in his bundle, which went some way towards him losing his case if I remember rightly, even though he was otherwise well prepared.

you can claim overdraft fees if they are for unarranged borrowing. if the fees are for an arranged overdraft then you cant claim them