Hi Not sure what to do now. I had a LLoyds credit card a few years ago and cut it up because I was getting too much into debt and receiving soooooo many charges. Lloyds sent it on to a debt collector and I am now dealing with them. The problem is that I want to reclaim all the charges that I paid to Lloyds but can find no paperwork on my old account. I phoned Lloyds and they said that they have no record of my account with them but to write in and give more details. I did this three weeks ago but have not heard a word. Any ideas on what to do next or where I can get old account info from?? Also can you reclaim on bank loan charges and how do you go about that? In the same way as bank and credit card reclaiming?? Please help with any advise. THANKS

I don't suppose that I could do anything barr writing to complain is there. I mean THEY made a mistake in not informing me of their decision. But what can they say but sorry? West London Court has hampered me from day one of my claim. Giving me wrong information and giving Lloyds more time to comply than I would get, and on and on and on...... I feel so so angry that I had done all this work(since February this year) with the stress that this encompasses to have it all cut short because of an oversight! STINKS!!!! Yet again the banks seem to be getting their own way. My God, I sound so bitter....perhaps because I am! Anyway, if there is anything that I can do please let me know as I am now champing at the bit for a good old fight!

Yes the case has been stayed.....10 days before I had the hearing. The court didn't write to me to let me know that an order had been made to stay.

Just got back from West London County Court feeling well p***** off!! Had all prepared, even argument for stay request as I had heard nothing from either SC&M or court as to their request. Their solicitor was quite smarmy before hand as he was talking to me about how all courts were staying the cases. I just let him ramble as I was quite focused on what lay ahead and extremely nervous. Got called and the first thing the judge said was that a request for a stay had been received by the court and also my objection to the stay. I was getting ready with all my papers and files when she said that she was sorry but the case has already been ordered. It was judged 10 DAYS AGO!!! The court had not informed me or Lloyds about this. I began trying to argue my case from all the info on this site but she stopped me, commended me, told me that I was correct but THERE WAS NOTHING THAT SHE COULD DO AS THE CASE HAD ALREADY BEEN DECIDED!!! Is there anything that I can do about this? Just had to pack up and come home and now I think I'll drown my sorrows!! Thanks to all on the site for all your tireless work. I will keep looking in to help others if I can.

Guido Can't thank you enough! Still really nervous though!

Thanks for your advise, but could I ask a little more of you? In the posts that I have read it states that to begin with in court you should "tell your story" but I just can't think of where to start! I will be ok if I could just think of the first couple of sentences but my brain is getting fried! Please could you start me off?

Yeah!! West London! Have you heard anything about a stay yet?

Thanks! Still mind numbing. Hoping that it will stay in my mind. I presume I just need to outline that I believe the charges to be un-lawful and that I am seeking a refund. Do I need to state cases and refer to the technical jargon cause this is really going to throw me off kilter!

I am in court on wed 2pm and am really struggling! What will be required of me? Will i have to give an opening argument? What should I say? I'm so terrified! I am by no means a public speaker and know that I will get tongue tied and lose it! Didn't really think that it would get to this stage! HELP! HELP! PLEASE!

Congratulations! Wonder if you can give me some advise about court? I've got my hearing this wednesday (19th) and I'm at a loss as to what to expect and say etc. Could you please please help?

West London County Court

Thanks for the advise. Will do!!

Thanks for the reply but sorry still very unclear. Do I write back to them to decline or not? Also, should I send a copy of the letter I took to the court?

Hi I phoned the court the other day to find out if Lloyds had submitted the court bundle by the stated 14 days before hearing deadline. They hadn't, but was informed that they had sent a letter to the court requesting a stay. I downloaded and printed off a letter from this site objecting to this and took it round to the court. The next day I received the letter from Lloyds telling me of their request and asking to reply to them if I agreed. Obviously I don't, so my questions are, should I reply to them and do I have to send the letter that I took round to the court to Lloyds as well? My court date is 19th September. Thanks

Just got the letter from Lloyds this morning telling me that they have asked the court for a stay. They ask me to agree in writing to this. Obviously I don't. So do I write and tell them this or do nothing and wait for the judges decision? Will he write to me before the hearing (19th Sep) or tell me his decision on the day? Please help!! Thanks

I copied the letter and changed details and as I don't live so far from the court so I took it round in person. The clerk told me that the judge has been granting stays very frequently and a couple have been let go to trial. She also told me that they had been instructed to do this from senior judges. I said that I thought it was a decision for the individual judge and not a ruling but she told me no! She also informed me that the banks have won a few cases which i again questioned stating that if they had won the cases then why have the OFT started a test case? She has been very very confusing to me. If this is the mind of knowledge of the courts system then what hope have any of us got to get it right? All that I have read and understood from the site and you guys and what the lady told me has left me v v v confused! I hope that I did the right thing!

I'm still unsure of what to do. I have not been notified by letter from the court or Lloyds yet. I was only told by a clerk at the court that a letter had been received. Will I receive a letter from Lloyds or the bank telling me about the stay or will I find out on the day of the hearing? Which letter should I use and do I pre-empt this by sending one of the listed letters to the judge before I have officially been notified? Again, help please! Thanks

Hi I have a court date for the 19th of September and today is the 14 day deadline to get all court bundles in to all parties. I submitted mine a few weeks ago but as of today have received NOTHING from Lloyds whatsoever. I called the court to ask if they had received their bundle from Lloyds but they have not. They told me that a request to STAY was received by them from Lloyds today and that the judge will be considering it. I've been dealing with this case since January of this year and finally thought that it would be over in a couple of weeks! Any advise please on what to do now? I'm feeling so so desperate! Please help!

I have a court date of 14th Sep at West London Magistrates Court. My bundle is almost ready to send out but I have a few concerns about the WITNESS STATEMENT. Section 13(ii) The witness statement refers to 1998 T&C's but I cant find these on the site. But it does seem to coincide with 1996 T&C's. Is it a mistake or am I missing something? Section 13(iii) I downloaded the 2000 T&C's from this site but it appears as 2002. Is this a mistake on the witness statement or again am I missing something? Section 13 (vi) Which is the "published charges leaflet"? Is it titled differently in the T&C's section of this site? Section 14 I'm really unsure about the amounts to input here. Unpaid DD=£? Unpaid SO=£? OD Excess=£? Returned Cheque=£? Section 65 b) "What is the "daily rate thereafter" figure? Where do I get this from and how is it calculated? Could someone please please please help me out with these concerns as I am so worried that I will do something wrong and the case will fail. Also, could someone please send me an updated version of the Witness Statement as I believe one is available and would really like to check everything currently. Sorry this has been so long winded. THANKS

I have a court date of 14th Sep at West London Magistrates Court. My bundle is almost ready to send out but I have a few concerns about the WITNESS STATEMENT. Section 13(ii) The witness statement refers to 1998 T&C's but I cant find these on the site. But it does seem to coincide with 1996 T&C's. Is it a mistake or am I missing something? Section 13(iii) I downloaded the 2000 T&C's from this site but it appears as 2002. Is this a mistake on the witness statement or again am I missing something? Section 13 (vi) Which is the "published charges leaflet"? Is it titled differently in the T&C's section? Section 14 I'm really unsure about the amounts to input in this section. Can someone please let me know? Section 65 b) Is the interest calculated TO DATE or the date that I submitted the claim into the court system as in my Particulars Of Claim and what is the "daily rate thereafter" figure? Finally, I printed off the STILETTO v INTERFOTO case directly from the weblink. Is this OK to do as I did notice a CROWN COPYRIGHT logo and I don't want to give Lloyds any chance to object. Could someone please please please help me out with these concerns as I am so worried that I will do something wrong and the case will fail. Also, could someone please send me an updated version of the Witness Statement as I believe one is available and would really like to check everything currently. Sorry this has been so long winded. THANKS

Hi I have had my court date and need to assemble my court bundle but through various websites there seems to be a bit of difference as to what to include. Do I need the "T&C's" from the time I opened the account or from when I am starting my claim from. What else is needed....definitively? A list would be great. I don't want to slip up now. My claim has been ongoing since the beginning of Feb this year. Can someone please please help me to sort this out. BTW Lloyds have not sent me the "T&C's" from the opening of my account despite numerous calls and in writing. I really do need a hand. HELP PLEASE!!!!

Can anybody help me? I've been given a court date of 14th September and am getting together my court bundle. I need the T&C's for my classic current account from September 1992. Unfortunately the bank do not seem to be willing to part with these! I had phoned on numerous occasions and sent a letter of request also a fortnight ago but still nothing! Does anybody know where I can get a cop[y of these? Please Please HELP!!!

Hi I've ben trying to find the address for LLOYDS TSB that I need to fill in on the Court Claim form. Can anyone help? Thanks