I am claiming against LloydsTSB charges from a Business Current Account "they" closed earlier in the year.
I have now got to the stage where LloydsTSB have sent there defence letter back to me, but unlike some of the standard replies I have read about on other threads, this letter has 11 points not 9.
Points 10 and 11 read as follows
10. In the premises:
10.1 the charges are for banking services, and are not damages nor a penalty;
10.2 the Bank is entitled by contract to imposethe charges, which are fair and reasonable;
10.3 it is denied that the charges are unlawful or contravene and statute or regulation.
11. The Claimant's claim is denied.
Is this just a conclusion to the to the standard 9 points?
Also with the defence letter was a notice of change showing new solicitors "Martineau Johnson". Is this a stalling ploy or do the LloydsTSB feel they may have greater success defending any claim with this new firm.
I have as far as I am aware followed your guidlines to the word and must say I think all the information given is excellent, but I am finding the process a most nerve racking experience and the thought of going to court is not the most pleasent.