Emailed and written to MP John Mann for Bassetlaw

I have filed mine with MCOL and the Halifax have acknowledged the claim. They now have until the 11th August (28 day deadline) to respond with a defence. So far, I have heard nothing. I am curious though. I know this pending court case with the bank charges is looming, but it is regarding overdraft charges or just bank charges as a whole, because none of charges are to do with an overdraft because Halifax won't let me have one, even though I have a substantial amount of money going in every month (myself and my other half wages combined).

Received a letter today from my local county court that I have a hearing with the judge at 2pm on 18th September 2007. That is for both Lloyds and Abbey. Can't wait. I have everything ready to go and hope I don't miss anything out. Have my statements, letters, court bundles the works!!! Wish me luck!

Lloyds settled my sisters claim in June to the tune of £780 which was the full amount plus the £80 filing fee. They have now just taken £78 in charges and interest for something that was entirely their fault. My sister set up a bank transfer to be taken on 21st May (when she got paid) and spoke to someone at Lloyds who said no problem we will ensure no money leaves the account until 21st May. 18th May they attempted to take the transfer and because they couldn't, charged £35 for the priviledge. We have phone the bank 4 times to sort this out. The first person said they had no record of it being returned unpaid on 18th May and therefore the charge would be returned. The second person said it was because of the returned standing order on 18th May that wasn't paid. We explained the situation and said it was Lloyds fault by attempting to take the amount 3 days before it was set up to go. Was told someone would call back - obviously they didn't. Called again at the beginning of the week and spoke to someone whom we couldn't understand and who said they would get a colleague to call back in the next 3 days as they had no recorded of the transfer being set up for the 21st - even though it eventually came out on the 21st as it was set up to do. No one called back again so we called last night. Was told a letter had been sent out dated 11th July explaining what was happening. Sister has just text stating that the letter is a lorry load of old poop and looks like another claim will be going in. Oh yes - the other £30 (£13 was overdraft interest) was for going £2 over the overdraft so we asked for a letter explaining how they come to the £30 amount and a breakdown of how this amount is made up. Will keep you posted when I have letter in my hand.

I sent for my statements back in February 2007. After 44 days I had nothing so I wrote to ICO and complained that I hadn't had them. 2 days later I received a single sheet of paper with a list of charges on it that they had made. I sent this off for reclaiming the charges. Over a week later I got a huge package from the post office that had photocopies of every single statement I had ever had from Halifax. It was very heavy I can tell you. The day after that I received another package from Royal Mail with the same statements again but this time they looked like originals. I don't think Halifax have clue what is going on. I have just filed at court for my charges back. (It has taken me so long because I had filed with Abbey National too and I closed my account with them so it made more sense to pursue that one first - I did and won so I am using some of the money I got back from them to finance taking Halifax to court). Halifax are a nightmare with this and causing a lot of people to wait unnecessarily because of their incompetence.

Hi, I let my claim take its course and Abbey just paid up before having to submit any court bundles. The money came back in cheque form, as I had closed my account with a letter stating they are not admitting liability but was more of a gesture as they didn't want to upset the court system. This was after they had stated they were going to defend, but in the end didn't they just paid out.

I had the same letters. I ignored them as they had already paid the charges plus courts fees back into bank account!!

how do I go about this? I believe there is a template I can us

Received 2 lots of submitted defences from Lloyds on behalf of my sisters claim and then find out they paid out the full claim (£700 + £80 costs of filing) on Friday. They paid in direct into her bank account. Will now be filing a wasted costs order

I have done all the stuff I need to do with regards to my sisters claim for Lloyds. They have given us the run around and completely wasted time by dragging out the claim. What I want to know is this! My sister has said to me to make a claim, but as I have done the work can I claim it in my name or does it have to be in my sisters (especially as I have put in the time and research). No sure where I stand on this one!!

I have written to the FOS before and was basically told that I didn't have a leg to stand on. Don't really see the point of setting up direct debits for a certain date then if they are allowed to take it whenever they want. They even do it with standing orders which I thought was supposed to be for the customer to control.

Have checked the claim that I sent and the account number is also included also with the schedule that I sent - I have found my recorded delivery receipt so I was mistaken when I said I thought I hadn't sent the schedule. The court received it the following day and so did the solicitors. I even have the original on my computer. Not quite sure what Lloyds are playing at! They decided to take another £30 charge from my sisters account on Friday, she phoned to get it back and was told flatly 'no'. And this was for going £2 overdrawn!!

Fantastic GuidoT much appreciated, I was panicking all day thinking I had completely screwed it up, I knew someone would have the answer. Thanks

I had the same with Halifax. I printed out an online statement on the Monday which was 22nd April and there were 3 transactions on there with the date of 23rd and Abbey tried to tell me they didn't take them early as they had no evidence of it. So I told them I had - needless to say, I have heard nothing since

Received the Lloyds defence today and I believe I didn't send the charges information so their defence is as follows: - 1. This defence is served without prejudice to the defendant's contention that the particulars of claim is insufficiently particularised and is embarrassing. The defendant reserves the right to plead further to the particulars of claim once they are sufficiently particularised. 2. The defendant will object that the particulars of claim in this action disclose no reasonable cuase of action against the defendant and makes no specific allegations again the defendant as to why the defendant should be liable to the claimant for the amount claimed. 3. The particulars of claim do not comply with rule 16.4 1a of the civil procedure rules as "amongst other things" they do not identify the account in question that appears to the subject matter of these proceedings or indeed show how the sum of £XXX is arrived at and the particulars of claim are too vague. The particulars of claims shows no reasonable grounds for bringing the claim. 4. The claimant should, therefore, be ordered to file and serve an amended claim to set out the full particulars of the bank account and the charges they are seeking to recover, identifying each charge, the date and amount of the charge and why the claimant in each case they allege it is a disproportionate pentaly and thus unlawful. 5. The defendant should then be given the opportunity to defend the proceedings further. Can anyone translate this into english as I have been pretty good so far at figuring out what I need to do but this has completely stumped me now so I am at a loss.

Lloyds have just slapped another charge on me but I have already filed at course, to which Lloyds have sent their defence labelling my case 'embarrassing'

Have received an offer today from Abbey after filing at court and then Abbey stating they would be defending the claim. I received the defence they would be filing but in the same envelope they have offered to pay me 65% of what I was claiming. I am going to take their offer but was a bit annoyed that they couldn't have offered this from the start, it would have saved me claiming in the first place!!!

Hi there, not sure if these have already been posted anywhere. I need a copy of Abbey terms and conditions from around 1995 or 1996. I have looked all over but I have had no joy with it. I think it is the last part of my court bundle (well I hope it is anyway)

I had the same problem. Contact Julie Edwards at Abbey on 01908 680135 - I did and she asked for proof that the account was paid. They seem to get a little shaken when I told them I was contact the FSA and the ICO. They also claimed that the information I sent recorded delivery to The Debt Management Department wasn't received even though I had the recorded receipt to tell me otherwise. They are very slimy and try to worm their way out of it, but I would also threaten legal action as they have filed false information about you, which I believe is in some ways fraudulent information. Can anyone verify that?

Just read BBC1 text regarding the Hull County thing. Surely anyone who has filed with a court has a right to put their case across. I find it disgusting that one judge can suddenly claim that you have no right of winning because of 2 cases, especially when there are literally thousands who have successfully claimed back their charges. It is very annoying. And extremely confusing as well!!!

Just makes me search through all these sites more carefully to ensure that I have all the information I need. I think the trick is to turn up for the hearing though lol although the bank didn't turn up to either of the hearings that they have won. This is all getting very confusing now and really un-nerving!!!

Hi I have just read on BBC1 news that Lloyds TSB have claimed another victory in the charges arguement. Apparently this time it was at Lancaster County Court. It is claimed that the guy who brought about the case did not give an adequate case to claim back his charges. Would love to know what is being stated as adequate.

Yes I have begun a court claim now especially after I had the standard 'oh sorry about your complaint - it will take 8 weeks to sort it'. Unfortunately my deadline stated 2 weeks and they didn't stick to it so I will be following this through. Just printed out my charges page and a cover letter and sent it to the courts and the solicitor of the bank. Hopefully it will all be sorted soon as I started this in February and it seems to be dragging now.

I have just found a copy of Halifax T's and C's for October 2006 and wondered if they were any good. The information reads: - 19 When will you have to pay charges and when can we change them? 19.1 We can make charges on your account. We can also make charges for services or facilities we make available to you. Please ask us for a copy of the current charges (including those for day-to-day services) which may apply to halifax current accounts and cardcash accounts. 19.2 We can change the amounts we charge you to reflect changes (including changes caused by inflation) in: - the costs of running your account - the costs we incur in carrying out any activity connected with your account (including the costs of dealing with any breach by you of these conditions or special conditions); or - the cost of providing the services and facilities on your account. We can also make new or different charges to reflect the costs of providing existing, or new or diferent services or facilities on your account. 19.3 We can also change the amounts we charge you, make new or different charges, and change how you have to pay charges, for any other valid reason. 19.4 We will advise you of any changes in conditions 19.2 and 19.3 for the day-to-day running of your account, at least 30 days' beforehand in writing. I have have entire 21 pages of blurb!!! Makes very boring reading. There is also a table at the back that is label account charges. It claims that all the charges are 'Administrative Fees'.

Now this may seem a little weird but it is something I have only just noticed. I ceased using Abbey National in December 2002 because of the insistance of charging excessively and opened an account with Halifax on 12th December 2002. All my direct debits and wage payments were transferred into my new Halifax account. I have noticed that the majority of the charges imposed by Abbey National (which I am now claiming back) were in 2003 when I no longer had the account. Surely they are not allowed to do this. I have also noticed that I had 11 different charges applied to my account on 17 January 2003. I am sure all banks t's and c's state no more than 3 per day. There is also 5 separate charges made on 15th November 2002. The last charge I had was on 16th May 2003 which says Unauth O/D Fee (for an account I don't have)?????????? The mind boggles as to how these companies can get away with doing this for so long