Hi Can someone let me have Lloyds Registered Office address please -I keep using my local branch but thats not good enough for the court claim form Thanks Rob

sorry, I didnt see that last post - will have a look. Thanks

In other words, can someone tell me which Act I am supposed to be claiming under and why ?

Thanks for the support. In the meantime, gonna complete the forms first while I wait for someone to tell me under which law/Act I am supposed to be claiming on business banking charges and what to put in my POC

Thanks French. I am totally honest, I really don't know what to do now. So, if anyone can help in this, would be appreciated. Have downloaded the Applination Notice N244 on advice but not sure why I need to do it. When I understand why, then I can move on. I wish someone had pointed out a year ago that there was a differnce between personal and business tho - to me money is money, banks are banks - we, business or personal, are all consumers and should be treated the same

Thanks for that. lloyds defence says that the claim is insuffiently pleaded and reserves the right for the claim to be struck out or amend the defence or to require further particulars to be provided. Then loads of usual banking blurb, then para 7: It is denied that the Unfair Contract Terms Act or the Unfair Tems in Consumer Rights regulations apply to business customers who are not contracting as customers as required by the Act and the Regulations" Interestingly, para 8 states: Without Predjudice to matters pleaded in para7 it is averred that the charges are fair and resonable and it is denied that they are unlawful. Para 9: Without predjudice to any other pleading in this defence it is not admitted that the sum claimed for charges and interest is incorrect. Now, why those 2 para's without Predjudice ? It concluded by saying that the charges are for services and not damages o a penalty. The bank is entitled by contract to impose the charges which are fair and reasonable. They just paid out £1000 on my private account so that last statement must be a contradiction! I will go and have a look at your other link now. Rob

Hi All. I think I am in the right place now. Martin3030, if you read this you can now help me further? State of play so far: Applied online via HMCS, lloyds filed a defence within the time frame required, the case has now been transferred to my local - Leicester County Court. The Judge in Northampton recommended that the allocation questionnaire be dispensed with unless the leicester Judge wants it. I can apply to have this set aside, stayed or varied but only till tomorrow. Not that I understand any of those terms. Now, from you guys I seem to have filed my plea under the consumer credit act and not some other ? and need to fill in a N244? If someone would like to take me by the hand on this as its now at a stage where it not about the money, but Lloyds laughing at me. But to be honest, I really find this site difficult to navigate so help would be appreciated. Email is cool., just need to be pointed in the right direction. Rob

Hi Guys. Tried the links you sent but to no avail - have no choice but to mail you this way. The state of affairs at the moment is: I applied via the MCOL to get my charges back from Lloyds TSB (Business Account) They acknowledged within 14 days and filed a defence within 28. The case has been moved from Northampton to Leicester County Court. MCOL did not ask for me to enter a plea other than the basic details of why I am claiming. Lloyds have (naturally) responded that this case cannot be tried under the Consumer Credit Act or the Unfair Terms in Consumer Contratcs Regulations. I received a letter today from Northampton County Court to the following: "Before District Judge Murdoch, without hearing, it is ordered that:- the filing of an allocation questionnaire be dispensed with in this case inless the District Judge at the court of transfer orders otherwise" (an allocation fee may be payable in this instance) Either party affected by this order may under rule 3.3(5) apply to have it set aside, varied or stayed. Such party must apply under rule 23.3 within 14 days of service of this order. The order is dated 21st June. Can you please advise what to do next ? I am minded to contact leicester County Court with a "home made" plea and ask under section 23.3 to do something but I dont understand the statement. Is it now too late to enter a full plea ? I would like at least one period in court to argue my case. However, I could also contact the Bank direct and say, 80% in full and final settlement or I go to court. What do you advise? regards RobMids

Hi bee. Lets be clear about charges. The bank will make charges, even if u have 12 accounts. each applied to each accoun acording to the term,s as they say. I have 2 Lloyds accounts. reclaimed on one, in court with the other. Watch out cos what they did with me was to move funds from one account to the other to ensure it didnt go over the limit. They didnt even ask!!! Cost me £60 tho until i kicked a stink - £60 back ;-)

Xst. I really feel like sending a copy of all of this to PM Brown - perhaps he should know the kind of country he;'s about to lead. Its disgracefull. Sorry about the big C mr - my mum has it too, just surviving. Its one thing to become ill, but the benefit syatem and all you need to do to get in there - its not righ at all. Your'e in my thoughts .x

Hi Guys Tried the links you sent but to no avail - have no choice but to mail you this way The state of affairs at the moment is I applied via the MCOL to get my charges back from Lloyds TSB (Business Account They acknowledged within 14 days and filed a defence within 28 days ]The case has been moved from Northampton to Leicester County Court MCOL did not ask for me to enter a plea other than the basic details of why I am claiming Lloyds have (naturally) responded that this case cannot be tried under the Consumer Credit Act or the Unfair Terms in Consumer Contratcs Regulations I received a letter today from Northampton County Court to the following: "Before District Judge Murdoch, without hearing, it is ordered that:- the filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise" (an allocation fee may be payable in this instance) Either party affected by this order may under rule 3.3(5) apply to have it set aside, varied or stayed. Such party must apply under rule 23.3 within 14 days of service of this order The order is dated 21st June ]Can you please advise what to do next ? I am minded to contact leicester County Court with a "home made" plea and ask under section 23.3 to do something but I dont understand the statement Is it now too late to enter a full plea ? I would like at least one period in court to argue my case. However, I could also contact the Bank direct and say, 80% in full and final settlement or I go to court ] What do you advise Feel free to email or whatever. I have tried to enter the Lloyds forum but it wouldnt let me in so help! PLease

Tell u what Packjoker, you got great abs!

Thanks Parkvale. I will do as recommended. £25K ? wow, thats a great result, I am only looking st £1k but its still our cash! I don't know if this reply is to you or viewable to others the do I detect some rivalry betweeen this site and MSE.Com ? If so, its very silly. It was Martyn on the telly that got me thinking last October and via the template's I started in december claiming and was successful on my personal account for a goodly sum so I cant really say which site is better. I can only comment so far that MSE is easier to navigate. Anyway, is there any means of email swops so we can get on with the case ? I will look at the links later and see what I can find. It seems quite a minefield. By the way, yes, I applied via HMCS Online service and submitted all the information they required. It only asked how much I wanted to claim, how much interest and the lawful reason why I was claiming. Thats as far as I got. lloyds filed the acknowledgement on the 13th day after being served and filed a defence on the 27th day. Their solicitors wrote to ask for evidence and a plea, I sent them copies of all the letters I had written, interest calculations and a breakdown of the charges since 2002. (when the acounts were opened). Now they have filed a defence I guess I have to wait for a hearing date and in which court that will be. I trust it will be HMCS that will inform me. Once I know that, that's when I need to know what I need to present to the court. Rob

Hi. I just received £750 from Lloyds in full and final of a £895 claim so go for it. Just dont claime for: Interest, Cheque clearing charges - the legit stuff. Only claim for the charges for falling over your limit - cheques returned etc. If you are here, you can get your charges online too - get online with them and play them at their own game. I recommend you go to Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more and download all the letters. Then stick strictly to the rules Matyn Lewis has suggested. Good Luck - you WILL win !! Rob x

Hi Folks. This is my first time doing one of these things but I feel I need the help. I recently managed to recalim nearly £1k from Lloyds TSB on my private account, just prior going down the court route. Simultaneously, under separate cover I did the same series of letters from MSE.Com for my business account. Thats not worked so far. I have got court action pending through HMCS Online service and Lloyds have gone as far to provide a defence. This means it will go to trial. I will go but I need to know what information to take with me. Lloyds are claiming that Business accounts run differently to personal accounts and are not covered under the Consumer Credict Act, 1999. I dont agree, not that I have checked lawfully but in my case, precedent has been set in that they gave me back on my private account. Any legal wizards out there able to help me? They have asked for a formal plea and evidence. I wrote to their solicitor with the facts but the HMCS Online service didn't ask for evidence. I hope that I will have a chance to do that in court ? Please, anyone who can see the way this might go, get in touch - email is best. I cant afford to lose the account for reasons I can explain but am adamant that I am right. is there anyone prepared to fund an appeal court trial for me ? or take it to Westminster because if the Bank is right, then the law needs to be changed - cash is cash, customers are customers and they way Banks deal with them is the same. All should be treated equally. Over to you. And it would help me if when replying you might provide some credentials. regards Rob

Hi. The same thing has just happened to me, dont know which court yet though. My Bank has put in a defence. I just don't know what to do now and have no idea of how to use these forums or blogging or whatever - dont even know which buttons to press - perhaps you can help ?