Hi sasquash, i havent got all the details with me, so ill try my best off the top of my head. Beginning of feb - initial letter sent end feb - letter back from Lloyds saying thanks but no thanks and stating if we wanted help making a claim with FOS to get in touch day after letter arrived, my mum tried ringing lloyds but all she ever got was mailbox full. Beginning March- case filed with county court april (sometime) request for judgement filed as not heard anything from Lloyds. defence was sent out about 2 days after this was filed, but still allowed with court. end april - parents contacted SCM and Lloyds to try and reach an agreement. SCM said not to worry as cases were all being settled, lloyds was mailbox full (after about 5 of these calls my mum gave up!) beginning may - letter to SCM to try and reach an agreement. mid may - allocation questionnaire filed. end may/beginning june - hearing date given throughout june - various letters sent trying to reach an agreement, and asking for copies of t & c's as my folks didnt have theirs court bundle sent to both SCM and Lloyds so that no dispute over whether they had received it. In there i included contents and appendices page, a timeframe of all communication, copy of all correspondence, schedule of charges, and copy of all statements then the info from the basic court bundle on this site detailing the common law cases and acts. last week in june folks checked their bank account and there was an extra £2700 in there..in fact they actually over paid them as claim and costs was only £2619!, but whos counting, it pays for all the time on phonecalls, and excess postage! Court hearing cancelled. I had my own case with HSBC and that had been ongoing since january, and there were lots of times when i felt it really wasnt worth it, but they also settled last week in full covering my court costs too. Stick with it, it'll be worht it in the end, though it does seem like a long road. Good luck. Katie

Thanks for all the help ive received on here. Afet receiving my money for HSBC 2 weeks ago, my folks ahve now recevied their payment for LLoyds. We were all due in court this thursday (5th), but have recevied settlements. My folks are lucky enough to have received an extra £154 from Lloyds, on top of their claim and court costs making a grand total of £2700, so were more than happy. its worth persevering, some claims take longer than others, but its worth it in the end! Katie-woo

Thanks, but it was already posted! Had a phonecall from the solicitors today advising me that the money should be in my bank by friday at the latest....i wait with baited breath. LOL!!

Theyve paid me £92 towards my court costs, so im not grumbling!! However trying to get in contact with the solicitors to accept the offer is proving rather difficult..I have rung them twice and faxed. Ive now posted a letter ( yet another £4.60 for special delivery!!) advising them that i have spoken to the court, and that the money must be in my account before the 5th july, or else i can still allow the court case to go ahead..so heres hoping its showing on my account sooner rather than later!

Just to say thanks for all the help youve offered. I started my claim in January and after what seems lilke an eternity, i was given a court date of 5th july. I have sent HSBC my court bundle, which they received on Wednesday, and yesterday, they made me an offer of £1951, which is only £128 short of the claim, and court costs ( without arguing over the amountive spent on postage!!). Just waiting on a call back from the Solicitors to confirm ill accept, and then i guess its just a matter of waiting until the moneys in the bank....then ill let the court know, im not going to get caught out. Thanks again for all the help, jsut hope we're as successful with Lloyds!!! :p

Any further ideas as to how i can get a copy of T & C's for my parents impending court case on 5th July. Also do i need to show a copy of the T & C's from when they opened the account or from when they are making the claim??? The account was opened in the 70's sometime, and has been amended since, but unfortunately paperwork has been lost. please, please, please help!!!!

thanks for that, another question though, do i include t & c's from when i want to make my claim (2001), or when i opened the account, as i cant remember what year it was as my account changed a couple of times prior to 2001, and have searched and searched but cant find the paperwork? am being totally thick!!!

thanks for the advice, any idea how i go about getting some t & C's??????

Thanks ever so much for that....any help as to where i can terms and conditions??????

Hi Am writing on behalf of my parents, who have successfully made a claim nd won with A & L, and are now trying to do the same with Lloyds for £2500+ Wrote the standard 14 day letter back in March, received a reply, saying sorry we are not liable, but that if they wanted help to make a claim, then to contact the person the letter came from and they would help. However, rather than choosing this option, she started to make her claim in the courts. This has taken a while, purely on the basis that the court have been short staffed and have been behind in processing claims. We wrote to Lloyds solicitors whilst after they had filed their defence, and prior to us sending in our allocation questionnaire, stating that they would accept a settlement of £2450.00 in F&F. we heard nothing so rang the solicitors who said that they ahd so many charges ging through, that they could not deal with my mum at that time, but that "everyone is getting paid so not to worry". They have now been given a court date of 5th july, and in light of the recent events surrounding a couple of the LLoyds claims, are extremely worried and concerned about the case. if any one has any advice as to what i need to get reday for them to take into court, then i would welcome any offers of advice. In addiont, if anyone has any t & C's, they would also be greatly welcomed as we are now getting rather worried about the whole thing. Thanks ever so much Katie

Hiya Hope someone can help me, im totally new to this forum. I began my claim for £2025.00 with HSBC back in January, sent them a standard 14 day letter taken from the bbc website. They contacted me and said that they would look into my claim, if i broke the charges down on a spreadsheet, which i duly did. I then heard nothing, so i started my proceedings in the court at a cost of £120.00 A couple of days after this claim, i received a letter from HSBC, on 5th March, dated 7th February, offering me £1647. I wrote back to them advising that i would accept £2000.00 in full and final as i had already spent an extra £120 on the court case. HSBC finally responded and filed a defence, i then completed my Allocation Questionnaire, at a cost of £100.00. I have since written to them advising that to get the matter settled quickly, i would accept £2050 in f & F......i just want it over and done with!!! I have now been given a court date of 5th July, and in all honesty and poohing my pants about it!!! If anyone has any adivce on what i need to take into court with me, whether i need to take copies of case law etc, then please please please can someone get in touch. Im also trying desperately to find terms and conditions for my account to send to the court ( i assume they need these), so again, any help will be so appreciated. Thank you so much for any help Katie:p

Hiya Im totally new to all the this forum stuff, so please bear with me and as much help as you can give me will be greatly appreciated! Both my parents and i are making a claim for bank charges, having followed all the information on the bbc website. My claim for £2025 with HSBC has been ongoing since january, and my parents claim for £2500 with Lloyds since march. HSBC did make an offer of £1647, but it was after i had spent another £120 on the court case. we have now both been given a court date of 5th July, and are getting quite nervous about it. I am trying desperately to find T & C's for both Lloyds and HSBC, and some information on what we need to take into court with us. Any help will be so greatlly appreciated, either for me to read on here, or im happy to receive email - [EDIT email address removed] thanks again, katie:-)