1st June 2007 - Be careful of another Lloyds TSB trick. I called their solicitors today to confirm they had settled. The said they had sent a cheque on 29th May for a figure which looks like the amount without interest. My court hearing would have been today so I don't think I have much chance to dispute it! However I am happy with the amount as I was not sure I was going to get anything!

Letter did not mention any conditions other than the fact that the settlement was in no way admiting liability!

1st June 2007 - Banked cheque for £937.41!

According to the court LLoyds TSB have settled - but I have not had any confirmation from them yet. Although I believe the court - do I still have to go to court or can I get away with sending a letter to court which will arrive AFTER my court case tomorrow?

31st May - Tried ringing SC&M but all lines are busy. Hopefully will receive letter tomorrow to confirm settlement, otherwise will double-check with court.

16th May - Sent bundle on website (the zipped one) and witness statement to court and Lloyds TSB solicitors.

31st May - Not received any court bundle from Lloyds TSB so rang court who said that Lloyds TSB had agreed to settle today (case would have been tomorrow).

As I used the standard bundle I am now worried I will lose my case. I cannot submit any more material to court. Am I allowed to take the new material suggested with me anyway?

Nik - who was the judge?

Mistermind - Lloyds TSB's solicitors

My court did not ask for anything specific other than any documents to be sent which I want used at the hearing.

I submitted a bundle but not a witness statement. Did I need to do this as well, I have one day left to do it!

Jomish.

Hi Tenmen10

Reassuring to see someone else going through the motions.

What kind of things did you write in your letter to Lloyds TSB solicitors? Not sure if I should do the same - sounds a good idea. Though if the recent reports on the website of having to go to court before the settlement happens then it may not work.

Jomish

10th May 2007 Sent bundle found on this website plus my charges printout to court and lloyds. I am sure Lloyds TSB will drag it out until the end. *Thanks for all the replies to my questions dealing with this difficult bank".

I am just checking about this 'bundle' business. Do I have to send the bundle to MCOL and Lloyds TSB solicitors. I have a court date of 1st June 2007.

I have sent the spreadsheet to MCOL as advised by them but had no acknowledgement yet - should I send the spreadsheet to Lloyds TSB solicitors now anyway as my court date is 1st June!? Is there anything else I might need to send? Any help much appreciated!

I have not posted each of my stages which would have been useful so here is my progress so far.

I worked out that I am claiming for £1,170.06 including interest. I no longer have the Lloyds TSB account - the charges happened when I was a student.

10th February 2007 - Wrote to Lloyds TSB asking last six years of charges

20th February 2007 - Replied enclosing printouts of statements

21st February 2007 - Sent initial request letter to repay charges

28th February 2007 - Lloyds TSB replied with standard letter which said no.

3rd March 2007 – Rewrote to Lloyds TSB using template to say I would take them to court to reclaim the charges

26th March 2007 – No reply from Lloyds TSB so used MCOL and template to file claim

31st March 2007 – Received acknowledgement from Northampton County Court giving until 14th April 2007 for Lloyds TSB to reply

10th April 2007 – Lloyds TSB acknowledged claim and wished to defend

17th April 2007 – Received notice of transfer of proceeding to MK court and the details of Lloyds TSB defence. They dispute it as I am claiming for more than six years. I did not realise as I just counted up the ones they sent me! It only equates to about £100 of the claim anyway!

28th April 2007 - Emailed MCOL to check if I had to send how I arrived at charges (my spreadsheet)

30th April 2007 – Sent copy of spreadsheet to MCOL

9th May 2007 – Received a notice of allocation to the small claims court track (hearing). It will be on 1st June 2007.

thanks HOD - they are only quibbling about £100 for the period over 6 years anyway!

Thanks for the reply. I must admit I am finding some of the stuff a bit confusing but very helpful at the same time. I do not understand what Lloyds are saying though! I am claiming for 29/12/00 and 02/05/06 - should I have started in 2001? I just entered all the ones that were on the statements they sent me!

I have received a notice of 'Transfer of Proceedings' which says...

"Futher, insofar as part of the Claimant's claim is based on charges his account prior to six years from the date of issue of his claim, that is 26th March 2001 this part of the claim is statute barred by Section 5 of the Limitation Act 1980. The defendant is unable to verify the amount claimed prior to the 26th March 2001 as the Statement of Claim does not show how the amount claimed is arrived at"

I read something that I should send a letter to MCOL with the charges I calculated. Is this still true? Is this the correct stage to do this?