We've ended up sending the papers off to the defendant and court in the hope that this prompts Lloyds to pay up - fingers crossed

sorry its late to consider: a. to stay the claim pending a test case b. to give directions for this claim to be heard as a test case, and if so reallocate to the Multi Track Any clues as to what is likely to happen???

I've finally got all my wifes documents together thanks to the basic court bundle and Gary H for the Statement of Evidence. May be its late buit on reading the letter from the court they say the hearing on the 15th is a preliminary hearing to consider: -

Thanks stansfield5131. Now I just need to fully get my head around how to reply to the defence from Lloyds that charging £60 for going over the limit was a service!!!!

Unfortunately due to Xmas and House Sale I've taken the eye off the ball in helping my wife's claim against Lloyds. Due in County Court on 15th January 2007. I am just looking through the legal stuff again but we have not got our documents together in time for the ' not less than 14 days before the Preliminary hearing ' Looking for some advice. Obviously with a couple of days working on it I could get the documents to the court and to the defendant sent on 2nd January - do you think we should do this? or Should we contact the court and ask for a delay?

Money Claim process started - we await Lloyds reaction

Money received!!!!!!!!! Want to donate, do I have to register on Paypal? Once registered how do I pay? - never paid with Paypal before

Thanks Adamski, my claim was with First Direct. My wife's claim against Lloyds is awaiting a reply at LBA stage - due to file on Moneyclaim on 21st/22nd August.

Thanks Letter received by solicitor, does anyone know how long they take before they pay the money? I certainly will enjoy the dosh, Michael - I've already spent it in my head!

I've just been offered the full amount on my claim, here's hoping that my wife can have the same result soon.

I've

I'VE WON, I'VE WON OFFERED £2650, LETTER SENT WITH CONFIDENTIALITY CLAUSE CROSSED OUT. ONCE THE MONEY IN ACCOUNT, I'LL DONATE 5% BRILLIANT - THANKS FOR THE SUPPORT FROM THIS SITE!

good luck I'm at a similar stage

Cheers mjanet

Thanks Caro

LBA sent yesterday

Just an update. yesterday I got offered 1/2, sent letter to solicitors saying I'm holding out for the full amount owed. Today got letter saying that FD are going to defend in court - 28 days.

Received usual letter - "sorry you're upset ......... but we don't agree with OFT"...... and we wont pay up! LBA due 2nd August

Recieved standard letter acknowledging receipt of complaint "...sorry...you're unhappy" but it'll take " 2 weeks to complete our enquiries" Clock ticking from 20th - my wife's 2 weeks are up on 2nd August when the LBA will be sent

Moneyclaim form completed online today - thanks to Monkey_UK, used the wording that you used on the form. How do I log my case on the site?

Request for repayment of charges letter being sent by recorded delivery tomorrow. Recalculated to £505 unlawful charges that my wife will hopefully get back

I received the following reply before the weekend (As you predicted before delivery date is showing on Royal Mail system); I am sorry to learn that you remain dissatisfied with our letter dated 23 June and I have taken the opportunity to review your concerns. First direct does not agree with your contention that the charges which have been applied to your account are unlawful and are therefore unenforceable. The contract between the bank and its customer is governed by our Account Terms and Conditions. In respect of overdrafts, i would refer you specifically to Part 2: Operating Your Account, Clause 6.9, which states:- "If your account goes overdrawn without an agreed overdraft limit, or you go over an agreed overdraft limit, we will charge interest at our Unauthorised Overdraft Interest Rate on the amount of unauthorised borrowing. We will also charge you an Overdraft Fee for any statement month when the balance on your account exceeds your limit, whether for one day or more. An Excess Overdraft Fees will also be charged for any day where there are subsequent increases in the excess or reoccurence of an excess during the statement month. Our Overdraft Fees are published in our Interest Rates and Chrages leaflet". Our Fees and charges are clearly stated inour published Interest Rates and Charges leaflet and the circumstances in which these charges will apply are clearly set out in our terms and conditions which you will have been provided with a copy of when you opened your account. Whilst I accept this letter will not provide the response that you hoped for, I trust I have been able to clarify the bank's position. However, I am obliged to advise you of your right to refer your complaint to the Financial Ombudsman Service, as this letter constitutes the bank's final response. Further details about the Ombudsman scheme are set out in the enclosed leaflet and you have six months to refer your complaint to them should you decide to do so. Clearly, I hope you will not find this course of action necessary and thank you for taking the time and trouble to bring your concerns to my attention. Yours sincerely Robert Kernaghan Customer relations Manager When should I send my Moneyclaim Form in? 1) 2nd working day after LBA sent - 11/7/06. 14 days would then be 24/7/06 or 2) await cofirmation when letter was received using Royal mail site or 3) as the bank has said it is their final response, send form in now?

Brilliant News

Looked on Royal Mail site - LBA still not received. Wanting the 14 day clock to start!

Thanks for the reply reload Part of the reason why We think we might be able to claim the 'Service Charge' is that 1 month it is called Service Charge with associated dates - then it changes to Overdraft Usage fee - charging the same amount for the next 2 months ( before charges start to rise ) It is only £45, but better in my wife's pocket than the banks!