Hello, Just thought I would pop in and share my good news. Whilst away on holiday I received a letter (well 2 letters actually) from [problem]. The first explaining " without prejudice " that Lloyds were entitled to make the charges, but looking to the future any sort of disagreement/conflict was not good for them or the customer. The other letter consisting of two pages. On page one that the bank was going to defend itself. The second page saying that they were willing to pay me the sum of £1253.00 which is the exact amount I am claiming. I have accepted this and am now awaiting the amount to be paid into my account.

Hi again, just took my amended POC's to the court today. Ive got a question that is bugging me though. If and when I have to put a bundle together would it be helpful to include any letters I have received from Lloyds that state the charges they are taking from me? You know the ones that state if you pay in enough money by the end of banking on the day you went overdrawn you wont be charged. The same letter states that you will be charged £30.00 for each day you remain over your limit for a maximum of 3 days. My reason for asking this is that Lloyds defence seems to be that they are charging you for all the work they have to do and that it has been carried out very quickly. This being part of the SERVICE they are providing you. If this is the case surely the one charge would be sufficient? Why charge again for something that they have already done?

Just a quick question, as Im doing an amendment to my particulars of claim for my interest calculations do I include them as up to now or as when i put my original N1 form in? Cheers Geoff

Hi Christina, I tried doing that no luck. So I made my own up using the charges calculator on moneysavingexpert.com. Im quite proud of myself it looks very professional! Thanx anyway. Cheers Geoff

Hi again, Im trying to work out these spreadsheets at the minute and to be honest Im finding it impossible. Ive saved the copy from the link (the simple one) but as for filling it in Im at a total loss. How am i supposed to work out the days since offence? Or does it work everything out for you? Please help. Cheers Geoff

Could someone please explain to me how I cut and paste? Cheers Geoff

Hi all, just received a defence from Lloyds today. As I was expecting my POC's are to vague. Do I now send in my amended particulars and go back to the waiting game? Or should I start putting my bundle together? Cheers Geoff

Hey thanks for that Diamond, Iv printed them off. Like you say better than nowt. Thanks again. Geoff

Any help with T&C's would be really helpful. I need them from Dec 98 for the classic account if possible. Thanks Geoff

Bump!!!

I have been into my branch of Lloyds today to request a copy of the T&Cs from when i opened my account on 11/12/98. I was told that they would look for me but the lady I spoke to seemed to think that they were only kept for 6 years. Does anybody know if this is true?

I beleive that part of my bundle needs to be my t c from when i opened the account. Since I opened the account I have upgraded to a select account and then downgraded again to the classic account. Does this make any difference or do i just need my t c from when I opened it? Also any ideas where I can get hold of these t c? Thanks Geoff

I have just spoke to the court and they confirmed that the defence was received on June 4th. Also asked about changing my particulars and he said he was emailing me the relevant documentation. Is now the time for me to start putting mt bundle together?

I would be grateful if you coul point me in the direction of the type of things i need to include in my bundle, as to be honest i do not have a clue. Cheers Geoff

Thanks for your help, looking through my paperwork i have receved an acknowledgment of service, but no defence. The 28 day deadline passed on Sunday. Does this mean i can enter judgment by default?

Hi ive just signed up to this website. I am currently in the process off claiming back bank charges from lloyds. I am at the stage where the bank refutes the claim and i am waiting to hear from the court. After having read some of the threads on here and in light of the recent case where lloyds won because of lack of evidence I am seeking some advice. Firstly I am worried that the particulars of my claim are far to vague. I did this using MCOL but did not use any templates and just filled in " To reclaim unfair bank charges applied to me". Is there any way that i can change my particulars? Also as the claiment who lost did so because of lack of evidence, could someone please enlighten me on the type of evidence i do require? Cheers Geoff

Hi there ive just signed up to this website. I am currently trying to recoup bank charges from lloyds tsb. I am now at the stage where the bank refutes my claims and i am now waiting to hear from the court. I know that recently lloyds actually won a case because of lack of evidence from the claiment. I would like to know what sort of evidence i require. Any help would be appreciated. Thanks Geoff.