Hi, The court letter said : "Upon considering this matter It is ordered that Unless the claimant by 4pm on June 7th 2007 files at Court and serves on the defendant further written particulars of the claim specifying name, account number and sort code and a list of all the charges complained of showing the date, amount and the state reason for each, the claim shall stand struck out without further order" We take this to be a request for the reason for the separate individual claims to be indentified - ie d/d unpaid, cheque unpaid, overdraft excess etc as all the other info had been included. We did not identify the reason for each amount claimed in the original submission - be warned ! What do people make of their defence ? AJX

Hi Today a letter arrived from Lloyds TSB solicitors with regard to the letter from received from Birmingham courts requesting further information for the Judge. “The bank will be defending these proceedings on the following grounds : 1. The fees that you are seeking are properly incorporated into your contract with the bank; and 2. By making payments (whether by cheque, debit card or by any other means) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which the Bank may meet or decline. If it meets your request you must pay the necessary charges. The issue of penalties only arises as a matter of law, where there has been a breach of contract, and there is no breach of contract here. Looking ahead, a situation which gives rise to dispute is not one the bank wishes to continue. In view of this you are requested, please, to make contact within the next 14 days with your local branch manager to review your account. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs. We await confirmation from the bank that this action has been taken.” My friend, has an overdraft of £5000 and is claiming back bank charges imposed by Lloyds TSB of £5000 + and has following advice opened another account. Deadline for reply to the judge in Birmingham is 7th June. Advice and support on this will be most welcome. Best wishes

Hi Please send the exact working web link to the site. As time is very short could you post my latest post in the correct place as soon as possible on my behalf . Best wishes

Hi Today a letter arrived from Lloyds TSB solicitors along with a letter from from Birmingham courts requesting further information for the Judge by June 7th. “The bank will be defending these proceedings on the following grounds : 1. The fees that you are seeking are properly incorporated into your contract with the bank; and 2. By making payments (whether by cheque, debit card or by any other means) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which the Bank may meet or decline. If it meets your request you must pay the necessary charges. The issue of penalties only arises as a matter of law, where there has been a breach of contract, and there is no breach of contract here. Looking ahead, a situation which gives rise to dispute is not one the bank wishes to continue. In view of this you are requested, please, to make contact within the next 14 days with your local branch manager to review your account. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs. We await confirmation from the bank that this action has been taken.” With an overdraft of £5000 and bank charges of £5000+ and following advice another account has been opened. Advice on this will be most welcome.

Hi Today a letter arrived from Lloyds TSB solicitors with regard to the letter from received from Birmingham courts requesting further information for the Judge. “The bank will be defending these proceedings on the following grounds : 1. The fees that you are seeking are properly incorporated into your contract with the bank; and 2. By making payments (whether by cheque, debit card or by any other means) from your account where you have insufficient funds to cover them, you are making a request to the bank for an increased overdraft, which the Bank may meet or decline. If it meets your request you must pay the necessary charges. The issue of penalties only arises as a matter of law, where there has been a breach of contract, and there is no breach of contract here. Looking ahead, a situation which gives rise to dispute is not one the bank wishes to continue. In view of this you are requested, please, to make contact within the next 14 days with your local branch manager to review your account. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs. We await confirmation from the bank that this action has been taken.” With an overdraft of £5000 and bank charges of £5000+ and following advice another account has been opened. Advice on this will be most welcome.

Hi I am helping a friend through the process and she has received a letter saying that the judge hearing her case is the same one who threw out the Birmingham case. She is dyslexic, Spanish speaking and £5k in debt to Lloyds TSB which is almost exactly the amount Lloyds TSB have taken from her account. We have spent months getting all the documents in place, filed through Moneyclaim and then receive a letter saying the judge wants more information about the claim. After many telephone calls, hours surfing websites we are not sure what to do. The letter from the courts on behalf of the judge states : "Unless the claimant by 4pm on June 7th 2007 files at this court (Birmingham) and serves on the defendant further written particulars of the claim, specifying the name, account and sorting code of the account referred to and a list of all the charges complained of showng the date and amount of each one and the state reason for it, the claim shall stand struck out without further order" All of this information had already been submitted as per the template on MSE so what is it they want ? Please can we have some advice and or support to sort this out. Thank you Alan