Hi, Red Death Et Al Thanks for this information i sent my 14 day LBA to LTSB last tuesday and am in the process(now witheld pending comments from this forum ) of preparing claims for 2 summary cause actions in Edinburgh sheriff court. Total claim is for £2,400.00 primary sum. From what you are saying the only sure way to recover the charges in excess of £1,500 between defined dates is via an ordinary action for the full amount. What is the problem with doing this? So we need a soliciter to front the claim, but thats all he has to do, he will take his istructions from you and me.He doesnt need to be skilled in the process( I bet not many are.) The claim is for unfair bank charges, legally reclaimable.This is our money and we should not be beaten by court technicalities. If we are sure of winning going the small claims /summary claims route, why so unsure when we need to involve a soliciter? surely costs would be awarded to the winner in any event and these costs would include solicititers fees. These are my initial angry thoughts. I agree with the guy who said it looks like the cheiftain O' the establishment race is now in cahoots with the cheiftain O' the banking race and to our doom unless we do something. I shall post your concerns on the web site (penalty charges forum)I have taken advice from to date, and hope we can get a collective opinion on the way forward. Thanks, Tony

I am trying to put togethe a claim between £1500 and £2000 for submission to my bank ,and failing payment to issue 2 small claims . I understood yhis was yhe only method to pursue under scottish law?