I have sent a court bundle off without a witness statement - received an email from Gary with court bundle list and witness statement info and once read through relaised that it should have been sent in. Unfortunately had already sent my bundle off before I received Garys good advice. Does anyone know what will happen now and will it make a difference. I wasn't asked for it from the judge, but realise that I should have known?

Hi I have found terms and conditions that states: If you do use your card to create an overdraft we have not agreed to or to exceed an agreed overdraft limit, you will have broken the terms of the Account and you must repay the unagreed amount immediately. I have included this in my bundle as their defense says that my husband has not breached the contract. Is this any good do you think? If so I can put it on the site. Wasn't sure where to put this thread, sorry if it is in the wrong place. It doesn't have a date on it but my husband only had the account from 2002 till 2005.

Thanks for your help Barty, will do that. Sam

Hi again, No just this: It is ordered that The claimant is to file and serve a schedule of charges that they intend to rely on and are referred to in the particulars of claim. This is to be completed within 14 days of service of this order. Then it goes on to say were the hearing takes place, time and date etc I feel a little scared about this as at least with a bundle there is a little bit of back up. What do you think? Sam

Hi Barty Thank you so much for your reply. I wish I had asked sooner as I have put together a bundle. Is this usual only to ask for a schedule of charges? Others seem to have had to do a bundle, that's why I compiled one. Thanks again

Hi Is there anyone on line at present who can answer this question, I don't usually have access to the Internet and am using my father-in-laws. I have my court date hearing for 7 sept and have been ordered to send in the following: The claimant is to file and serve a schedule of charges that they intend to rely on and are referred to in the particulars of claim. Do they want a full court bundle, oft report etc or just the actual charges statments? Please help asap. Thanks

Hi this only my second time of posting! My husband is claiming from Lloyds I have been dealing with the correspndence etc. Going to court in Septmember quite worried now. Just in the process of putting together a court bundle - hope i am doing it right, have asked on the previous thread about that. My question is if we do end up in court, what exactly do I say? And also what do the Terms and conditions prove, as i am including those in the bundle but not quite sure what to say about them. Sorry to sound stupid but i need to be sure!! Thanks

I am new to this site but have been watching for months. In fact quite new to forums. So hello all. Anyway someone please help! My husband has a court date in September - don't have exact details with me at present but will get back with the exact date. I have been sorting it out since we started the claim, letters to and from Lloyds. Needless to say we are some of the unlucky ones and have to go to court. I need to have a court bundle in by 10 August and am really concerned and unsure that i may not be doing it correctly. So far i will include in the bundle: Corresspondence to and from Lloyds The statements that Lloyds sent me when requested showing charges The OFT report (front page as Gary mentions) The Orton letter The Administration letters The Analysis of unfair terms in schedule 2 BBC The money programme bank commission Is this enough and correct? Many thanks