Chloe, I did do a subject access request. They replied by sending me printouts of just charges but they seem high. I cant check as to whether or not they are duplicated as NO STATEMENTS!! For example 1.2.05 35.00 debited 3 times on same date!!! It may have been for 3 missed dd's, i dont know? Just seems duplicate charges. Also my claim has just been transferred to HULL, so will have a date soon here I'm sure. If my adding up is too wrong, surely it is up to them to work out correct charges a make an offer, afterall they have all the correct information, dont they? So, if my claim is too much in court, will they strike it out or negotiate? Could also do with step by step instructions on what documentation I need for court bundle. Thanks for help Lee

Thanks Lateralus, How do I get my location on here as from Hull Also!!! Lee

Thanks again. Have copied letter and will send that tom. I wk full time so dont think I would get out of paying fees though? Would I

Chloe Thanks so much. I have a feeling im gonna be next on news, this is what I have done. I paid for court process without really looking at wording advised on this site. I was a little naive. Under particulars of claim I wrote" To reclaim unlawful bank charges amounting to ????? as they are unlawful at common law. This includes od interest of ?????. I also aim to re-claim costs. Having realised my error, I was advised by court to pay for an amendment. This is were I had to complete another form N1 particulars of claim in my own handwriting. I did this and put in the particulars the correct legal terms and details. I sent this back with 35.00 but also enclosed a list of my charges. They are saying they did not accept it as too many lines and words etc..... I also had to change the wording of my claim from Lloyds tsb to LLoyds TSB Bank PLC. (so may be that matters, as they can state different company)?? Some of my charges seem to be duplicated so I have no idea if they are or in fact I am claiming too much.......(as no statements were sent). I hope this helps. Wish I could start fresh! Lee

Currently struggling with LLoyds. Was hoping cash would come through in time for me to issue court thing with HSBC. Money not come and I should have gone on money claim and started court process with hsbc 4 weeks ago! But could not afford to do it. I have rang them numerous times and they promise calls back. Is their any other letter I can send them until I can afford to take them to court. They have had the LBA and promised on the phone to sort an offer..... but nothing? Anything I can do? Please help, im losing it on all fronts.. Lee Thnakyou

Oh and if i can amend it. What is an AQ exactly? What other paperwork do I need. And what is involved in a court bundle. Dont want to turn up ill prepared. Firstly though, how will I amend my clainm as my particulars are totyally wrong. They will just laugh at me, but as mentioned earlier, my amendment wasn't accepted also.....stuck...

Thanks Chloe Still worried though. Dont know if claimed right amount as lloyds didnt send me statements, just lists of charges and od interest. some seem to even be duplicated unless various charges on same day for multiple dd;s failing. Can I change everything on an AQ? Thanks for helping me..

HiClaim served on lloyds....paid £35.00 to amend particulars as not happy with claim. Did it wrong basically, was unsure re totals and wording etc... so amended it.However just found out today that amendment been sent back has too many words & lines on "particulars of claim". Truth is they wasnt, I stuck to wording off this site. They said it was because I included a list of charges which sent me well over the amount of word allowed etc....Im really worried. They said Lloyds have filed defence today based on orig claim. Also that its been transferred to my local court.I phoned my local court and they said I can still go ahead and amend etc once I get paperwork eg allocation questionaire etc....Im just totally lost.The account I have is -690. Lloyds tsb made a huge error on my mortgage which has left me in debt with them ever since. I just want justice to pay them off once and for all.Im claiming nearly 1500.Im worried sick. Shall I pull out.....I dont know what to do with paper work etc and am even more worried re the decision in Brum today. I dont want to be on the 9 o clock news.....!Pleas help me...Lee

Im worried sick about lloyds tsb. not even sure if added charges etc up correctly, still they owe me quite a bit for definate....

Hi Folks....LLoyds TSB are totally **** They have messed up everything I have asked them to do. Messed up mortgage...took loan out twice...send threatening letters which imo border on harrassment..... I have frozen overdraft with them at - 690.00 and use a different bank now and had no problems. but i want my charges to pay what i owe them. Just took it to court so will see how we go...........keep me posted. L

Switched to tsb 3 years ago. Started off my doing my mortgage and mis advised me. In short they told me not to pay my exisiting mortgage as my new one with them would complete, well it never! This happened twice and when it did finally complete I was left with a shortfall of almost £1000. My financial advisor transferred 1000 of his own cash into my acct in order for it to complete. I then had to reconsolidate that 1000 into a new bank loan. Hard to believe eh. I have also since encountered one or two personal problems leaving me struggling to pay my loan and overdraft with my bank. I have an arrangement with tsb to pay o/draft and loan at reduced rate, but stopped paying 2 months ago as I am annoyed at the way they have failed to respond with refunding bank charges totalling 1300(which would pay off o/draft with them and part of loan. Instead they call me all the time, home or work. This has got me in trouble at work on more than one occasion and they are basically making my life hell. Im that worried about my account im losing sleep and thinking of going to see my doc. Im currently waiting for charges have just served court action. What do i do with my account arrangement in the meantime? I was paying 90 for my loan and 10 in to bank account. But its just cost me 120 to take them to court. I live alone and mortgage keeps going up. Feel like im sinking. Also How can I clear my credit record or make it better quickly to enable me to get a different mortgage on a fixed term. I need to change urgent but cant get one.....!!STuck. Please advise and HELLO to everyone. L