Hi Everyone, I also have an ongoing claim against Lloyds. Interestingly on Martin Lewis' site today - I just read his latest email - he said he would help Mr Berwick if he wished to appeal - even financially if necessary. So if you can contact Mr Berwick, let him know! All the best.

Oh my goodness! My sincere apologies to Bookworm. Lesson here - check profile before using gender related terms . Thanks GaryH - (just a minute while I check:) !) for your comments and help. All the practical assistance offered is much appreciated.

Hi Herbs, See how they reply. They'll probably say that the UTCCR doesn't apply to your claim, in which case, IMHO accept their comment and research the CAG info and forums as Bookworm suggests. (See previous posts, this thread.) Loads of help for business claims here in the URLs he gave. All the best.

Many thanks Bookworm. Relative to my present action utilising the UTCCR, it would seem to be a judicious move to cancel this action and start again with CAG guidance for business accounts.

Thanks Louis Wu and apologies Herbs, I thought thats where I was. Found the correct place now and buzzed off.

Hi to you all, this is my first (nervous!) post with CAG. I really look forward to making a positive contribution in this forum as well as gaining help in making a successful claim. I have had an acceptable settlement offer from one bank so far, a private account. My quest here is in connection with a Lloyds TSB business account and and a claim approaching £2500 inc interest. I have taken all appropriate steps and have already proceeded with action in the HMCS Money Claim on line. I have been notified that the bank has until May 22 to respond. However, this being a business account I believe that I have dropped a clanger() because the proceedure I followed was for private accounts. So..... Should I cancel this action and proceed according to what I am learning here? I am pretty certain on research that the banks defence will be that Unfair Contracts Terms Act 1977 and Unfair terms in consumer Contracts Regulations do not apply to business accounts. Or at least that my proceedure is incorrect. I would appreciate your comments please.

Hi to you all, this is my first (nervous!) post with CAG. I really look forward to making a positive contribution in this forum as well as gaining help in making a successful claim. I have had an acceptable settlement offer from one bank so far, a private account. My quest here is in connection with a Lloyds TSB business account and and a claim approaching £2500 inc interest. I have taken all appropriate steps and have already proceeded with action in the HMCS Money Claim on line. I have been notified that the bank has until May 22 to respond. However, this being a business account I believe that I have dropped a clanger() because the proceedure I followed was for private accounts. So..... Should I cancel this action and proceed according to what I am learning here? I am pretty certain on research that the banks defence will be that Unfair Contracts Terms Act 1977 and Unfair terms in consumer Contracts Regulations do not apply to business accounts. Or at least that my proceedure is incorrect. I would appreciate your comments please.