It is attached to a "Notice of Transfer of Proceedings" from Northampton to my local court in Cambridge. Also on the attached it states" It is ordered that :-
1. The filling of an allocation questionnaire be dispensed with in this case unless District Judge at the court of transfer orders otherwise.
Underneath is a note
Note: Any party affected by this Order may under Rule 3.3 (5) apply to have it set aside, varied or stayed. Such a party must apply under Rule 23.3 within 14 days of service of this order.
Then on the attached N9B form in the Defence box is the following
"1. The Defendant Lloyds TSB Bank plc (the Bank) is a Bank whose registered office is 25 Gresham Street, London, EC2V 7HN. It is admitted that the Claimant has been a customer of the Bank at all material times.
2. By opening an account with the Bank, the customer enters into a commercial arrangement with the Bank for the provision of banking services. The Bank is entitled, as part of that arrangement, to charge for those services. At account opening a customer is provided with details of the Banks charges, currently in a leaflet a guide to our banking charges. By using the account, the customer acknowledges that the charges are incorporated into the contract. For personal customers, a number of services are provide for free, notwithstanding that they are an expense to the Bank. Such services presently include, but are not limited to, providing; cheques, bank statments, the facility to make payments by direct debit and standing order, debit cards, ATM (cash machines).
3. By maintaining the account in credit, or within any limit agreed with the Bank, the customer may avoid most if not all charges. If the customer fails to ensure that there are sufficient cleared funds in the account to cover payments, whether by cheque, debit card, standing order or direct debit, the customer makes a request for a payment to be made form the Banks own funds. If the Bank makes a payment, or returns the payment, it provides a service as specified in the leaflet and makes a charge in accordance with the terms of the contract. On page 1 of the leaflet, the Bank explains that there are normally no charges for everyday banking at Lloyds TSB when your account is in credit. When you use an agreed overdraft, there is no monthly fee and we only charge interest on the amount you are overdrawn each day. Where you go overdrawn without an agreement or where you use special services, such as copy statements, we will make a charge. This guide explains how these charges work, and when they will apply. If you want to use a service that we haven't listed, we'll tell you the cost of that service before you give us the go-ahead.
4. There is no breach of contract; the charge cannot therefore be a penalty, consequently there is no requirement that the charge be a pre-estimate of the Banks loss.
5. The customer is given advance warning of charges being imposed; statements show the charges, if any, the customer has incurred during the course of a month, and which will appear as debits on the following months statement. Customers are warned by letter when they go overedrawn or over their agreed limit without arrangement with the Bank. If the customer fails to remedy the position, and payments such as standing orders and direct debits are refused then again the customer is warned by letter.
6. The charges are fair and reasonable, and it is denied that they are unlawful.
7. The customer is notified of the charges in plain intelligible language at the conclusion of the contract, and on each monthly statment. The charges are terms which relate to the price payable by the customer for a service provided by the Bank, and pursuant to Regulation 6 of the Unfair Terms in Consumer Contracts Regulations 1999, are not subject to the assessment of fairness.
8. In the premises:
8.1 the charges are for banking services, and are not damages nor a penalty;
8.2 the Bank is entitled by contract to impose the charges, which are fair and reasonable;
8.3 it is denied that the charges are unlawful or contravene any statue or regulation.
9 The Claimants claim is denied in its entirety. It is further denied taht the Claimant is entitled to the sum claimed or to any sum from the Bank.
Is just Lloyds TSB solictors putting pressure on me, or have I got something to be worried about ? what is my next course of action, is it just to wait for the court date ?