S, thanks for this. Unfortunately, we didnt know about this website when we started the claims, and therefore didnt note the step-by-step instructions. We basically followed the procedure my father was using, although. now we know it was for smaller amounts . We have 2 claims, placed within weeks of each other. I have been thinking of ways out of this mess. BEFORE interest, the sums are just less than £1500. The only way forward I can think of (and I'm not sure if this is even possible/correct) is to contact the court to withdraw the claims. Then refile as a summary clause. However, I dont know at when to withdraw them (before/during/after hearing), I dont want LTSB to consider the withdrawl a "win" for them. Thanks for coming back to me..

just bumping this up again...

"Mr Hone added that he also refused a 'part 36 offer' which Abbey made in court. Refusing this offer, which was slightly greater than his original claim, meant that he would have had to pay Abbey's court costs if he was awarded a lower amount at a later hearing." I dont think this would apply to you...you are continuing with your claim becuase you have not been offered a full settlement. This guy was offered full plus alot more, which he declined. I think that is where the difference is. Dont worry. why dont you start a new thread and then lots of people will be able to advise you?

I read one one of the threads (cant remember which one) that it is illeagal for the banks to take anyones benefit money to pay the banks charges...this money has been allocated to the person to live on. Perhaps if you call the bank and explain this was his benefit money and it is illegal, they may have a change of heart and refund them... Good Luck

Hi, well hubby spoke to the Sherriff Court this morning for more info. They have said that LLoyds are defending the claim. We have to go to a preliminary hearing this Thursday and take "evidence" along with us . Has anyone been to this hearing before and if so, what is it for/what happens? Secondly, what kind of evidence are they looking for? Is it normal for LLoyds to go this far? If not, I think the only thing they can defend on is the "multiple claims" issue. If thats the case, and they (its 2 claims) get thrown out, can we then just resubmit them as a Summary Cause?? Any help is appreciated!

Thanks...gonna speak to hubby tonite and get more info from him about what the lawyers are saying. I realise I havent given a great deal of definitive info so far so hopefully i'll come back to you guys tomorrow for some of your "enlightenment" . Again, if anyone has any suggestions from what i've written so far, I'd really appreciate it.

Thanks for the info Jaybabes, it's really appreciated...if anyone else has any other suggestions, I'm all ears! Starting to panic a bit...I feel a bit out my depth now

I Dont know what they are defending or appealing against. I cant get a hold of hubby at work (I suspect he may be in the toilets crying-he had this money spent already!!!) The 3 claims where entered within 2/3 weeks of each other. We have never had any offer at all from LLoyds regarding any of the claims. Do you think it would be better to withdraw the claims and go via the FOS? Or do we have to wait for an offer 1st? I have been reading thru threads all morn and am getting a bit confused!

Claiming in Hamilton Sherriff Court District. I have just started reading about the problems claimimg this way can cause. We started doing this way back in Feb. My dad was guiding us and he had claimed 3 or 4 times this way successfully. I didnt even know what a Summary thing was till 5 mins ago . Whats my next step?? Any ideas? My hubby is a bit :eek: :eek: right now, I'm trying to calm him down!

:o Hi Guys, I hope someone can help me. My hubby is claiming back £2000 from LTSB. His "return" date for the court was yesterday, with a hearing scheduled for the 17th May. He called their soliciters on Wed to ask what they planned to do, they said "oh your claim has been overlooked, this should have been sorted by now, we'll fax Lloyds and get them to sort it asap". However, he called the soliciters again this morning and they have said that Lloyds are "appealing"(?) it and it is going to court (I dont know if this means they are defending it). :eek: I have read through various threads looking to see what our next plan of attack is, but I am getting myself confused:confused: . Would someone mind giving me a step-by-step guide to what we have to do next please? (Note, due to this being through the Scottish Courts, there are actually 3 claims ongoing - 2 x £750 + 1 x £500 approx). Thanks for your time guys...appreciated

Thanks...here we go again then!!

Hi, my father and i live in scotland. My dad has uccessfully guided three members of our family through their claims. Regarding the £750 limit in Scottish courts, what he does is file more than 1 claim ie if he is owed back £1650, he would put 2 claims for £750 and one for £150 into the court. Yes, he is charged £39 per claim by the court but this is always refunded by the banks too. Hope this helps

Can someone please answer a quick question (or 2) for me? Can you claim back bank charges that have been applied to a Halifax Building Society Account (used for paying mortgage)? If so, is it just the same process as claiming back charges from a current/debit account? Thanks to anyone who can help

Hi, hope someone can help me here. Do you know if it is possible to claim back charges which have been applied to a Halifax/BOS Building Society Account? It is an account my parents use to pay their mortgage through. I'm not sure if the current "bank charge claims" only apply to current/debit accounts or not. Thanks for any help given