hi

i sent the alliance and leicester an LBA, ive had the usual reply, ie sorry we do not accept .... blah blah-

before i issue a court claim is it ok to add another charge ive incurred since i sent my letter ?

just want to get my facts right before i add another £100 pounds or so to their total

thanks

gaz

Yes. Regards, Mad Nick

cheers mate

can wait to get money out of them he he he he:D

hi all

as above ive now got a court date but as i didnt get paid properly last week ive incurred another £75 charges this month ???

is it possible to add them to my previous total before isend all my court bundle etc to my bank

thanks

gaz

Only by amending your claim (£35 fee - unreclaimable).

thanks Michael,

very helpful of you

gaz

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

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

can i do this at prelim stage??

can i do this at prelim stage??

HI u can change it any time up until u apply to the court as far as im aware! Some one with alot more knowledge will hopefully correct me if im wrong.

HI u can change it any time up until u apply to the court as far as im aware! Some one with alot more knowledge will hopefully correct me if im wrong.

thanks i just had an offer from my prelim which i will be rejecting so wanted to make sure I could add the further charges on that I have had since the end of march when I sent my s.a.r 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.

I am reclaiming my overdraft fees, because they varied every month and I wouldn't have been overdrawn if it hadn't been for their unlawfully debited charges.

Ive acquired more charges since my claim, got a prelim prepared for soon as this claim is sorted

hi all

im preparing my court bundle (many thanks to mimijane), and i ve looked at all the t&c found on this thread and what i can find on a google search- from what i can see i dont think any of these are applicable. ie the ones ive seen dont say that "if you go overdrawn, or we have to pay a failed debit you will incur a charge" etc etc.some of them are definitely just genaral t&c and dont really include current account terms.

is this not the type of thing a judge will be looking for? i can find a list of 'charges' but no accompanying terms and conditions ?

any ideas anyone?

thanks

gaz

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

hi all

just preparing my court bundle, and was wondering- is it a good idea to do a summary of all evidence included, at the top of my court bundle so ther judge knows exactly what ive included and what the main points of my evidence are?

thanks

gaz

hi, i would have thought that the index would surfice. the judge can then look for what they think will be relevant at their leisure

This is from LLOyds forum for their claimants but it might helphttp://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html

Jansus:)

hi

just putting my court bundle together, and due to my pc crashing a few month ago i might not be able to get copies of my SAR, and LBA and other preliminary letters

will it be ok to just add the templates(filled in like the originals) and just tell the judge that the originals got lost nad these are as close as i can get. best to be honest in case i make a mistake ?

surely these arent the be all and end all of my bundle, i ve got the schedule of charges, and my statements, my case law, S of E, ETC

any help would be appreciated

thanks

gaz

ps when my bundle is done, im going to index it and provide links to all the info i ve included to help other people sort theirs out.anyone can request a copy when i ve done

bump

sorry not sure of the answer

pm a moderator if you dont get reply

jansus

I can't see that being a problem. The chances are the bank will settle before court anyway. Good luck.