Hi all Heard from the court yesterday and have been given a court date for the 10th of September at 12.00. Have posted up the directions here: http://www.consumeractiongroup.co.uk/forum/lloyds-bank/103945-lloyds-court-dates.html Will it go ahead after the test case starting yesterday ? Regards Jacmol

ok,will update when hear from the court, thanks, nicsussex.

Hi all rang the court today and spoke to a lady who told me that because the court asked for a list of charges, lloyds bank are given a further fourteen days from when we sent them in to file another defence, as its classed as new evidence, if we haven't heard anything by the 19th July then the paperwork will go back to the judge and he will then go from there. Does that sound right?

okay will do it tommorrow and let you know what goes on Thanks for your help

Hi nicsussex thats really all it says. Its called a general form of judgment or order and says "before district judge smith sitting at yeovil county court 22 hendford somerset ba20 2qd upon reading the court file it is ordered that the defendant may file a further defence by 19/07/07 if so advised." And thats all it says

Hi all just a quick update but nothing exciting i'm afraid. We have had a letter from the judge saying "upon reading the file it is ordered that the defendant may file a further defence by 19/07/07 if so advised." So i suppose we wait ?

No worrys barty you carry on While i am on just looking at my spreadsheet its contains date of charge, charge description, amount of charge, days lapsed, interest owed, grand total, account number but no sort code. Will this be okay or will i need to type these out again using another template.

Thanks Barty and nicsussex Will they pay the whole amount or just make an offer ?

Hi everbody, Just a quick update on our case. We recieved this letter to day from sechiari clarke + mitchell: REQUEST FOR FURTHER INFORMATION As you are aware, we are instructed by our client Lloyds TSB Bank plc. We have been instructed to write to you as ou Client is, entirely on a without prejudice basis and with no admission whatsoever to liability, minded to enter into settlement negotiations with you but before doing so, we are told that there appears to be a discrepancy in what you are seeking by way of a refund of Bank charges. We note from your pleadings that you are claiming (alleging) that various deductions were made from your account over the past few years, but you do not specifically say when and how. In light of this, can you please provide is with the following information by return : 1. Each an every individual amount of the charge that you are claiming and are disputing. 2. The date of each and every charge that you say was deducted from your account 3. How you calculate any interest 4. How you calculate the sum of £x and 5. Confirm your sort code and bak account Number(s). Does this mean we can just send a copy of our spreadsheet showing all the charges ? What do they mean by "settlement negotiations" Thanks in advance Regards Jacmol

Cheers for your comments guys thay are all great. Am sending off a cheque to the court tomorrow for £100.00 for court fees plus a copy of our charges to the judge as requested so will keep you posted of the developments Cheers again

thanks car2403 thats the sort of thing we needed to hear, but will the judge see if like that ?

point taken we have put down 2 charges from december 2000 that add in total to £8.66 how will this affect our case. Sorry for all the questions

1. The bank admit that the claimant has been a customer. 2. by opening an account the customer enters into a commercial arrangement. 3. if the bank makes a payment or returns the payment it provides a service as specified in the leaflet and makes charge in accordance withthe terms of the contract 4.there is no breach of contract the charge cannot therefore be a penalty 5.the customer is given advance warning of charges being imposed 6.the charges are fair and reasonable and denied that they are unlawful. 7. the custmer is notified of the charges in plain language. 8.in the premises 8.1 the charges are for banking services nor a penalty 8.2 the bank is entitled by contract to impose the charges. 8.3 itis denied that the charges are unlawful. 9. the defendant is unable to verify the amount claimed prior to the 01/05/2001 as the particulars of claim does not show how the amount claimed is arrived at 10. the claimant claim is denied in its entirety.

Hi nicsussex, yeh it had 10 points on the defence and counterclaim form, dont really understand any of it. Is this what they use as a standard line of defence ? What points do we need to pick up on to prove our case. Thanks in advance Jacmol

Hi everybody. Have just started posting on to this great web site, after reading through it for weeks. I am claiming £2758.06 for my girlfriend. We used all the templates from money saving expert, went through the moneyclaim online web site filled a claim, the claim was acknowledged at the last minute and then a defence was entered. The case has now been moved to our local court (Yeovil) and we have been asked by the judge to submit £100.00 court fees and the list of charges we are claiming for. It appears they have done away with the allocation questionare. What i cant seem to get my head around is that lloyds are saying that my girlfriend agreed to these charges when she opened this account many moons ago . How do we go about arguing against this point ? What will be the next step from the court ? Any help would be great as we are both starting to panic Thanks to eneryone in advance