my husband has also been sent a letter asking for a month to settle, and in between our court claim he has beeen charged another 600 pounds, we will send the letter you have recommended and keep you posted. Good luck !

Thank you, we have sent the schedule of charges and spreadsheet to the court with a covering letter, just as well, we received a letter today from the court saying Lloyds tsb are defending all charges. Will we get an allocation questionnaire separately? Do we need to let them know we will be continuing with claim? Help please! Thanks!

We,,ve just had a horrible thought, we didn,t include a schedule of the bank charges we are claiming for with the claim form, have we just lost the case! Is there any way we can sort this out before it gets thrown out of court? We were so worried about getting the wording right, that this was totally over-looked.

Regarding our claim for 13k, this figure is for the six years worth of charges made on Paul,s account! plus interest as worked out on the action group,s calculator. Some months because he is self-employed they returned DD,s of 2.98, and charged him 35.00.per time. As this wiped out any wages earned in that week, he went over limit and was charged another 30.00, it soon adds up! This has caused a lot of distress to us and our family so therefore we have put in a claim now for the full amount and we will keep our fingers crossed. Thanks for your advice.

Sorry Kate, Yes, we have sent LBA, bank say unless they here anything before 27th September,case is closed.! I am just scared about paying high court costs because of the amount involved, as well. Catherine.

Letter received two days ago, telling us no further consideration will be given to our plea for a refund. We have worked out, the amount owing with interest and the figure is 13096.21. I have a N1 form and have also started an on-line claim, I don't know which would be better to use for this large amount?. Also as we had to remortgage our house twice, after taking out expensive loans to repay creditors i.e. credit cards, how would I enter this on the form or on-line. We are really very worried now that this could all go pear-shaped, because were not too sure how to proceed. Any help appreciated. Paul Thompson

Thank you ROOSTER UK, We have sent the first letter in the template library asking for a refund of these charges, it is now nearly two weeks and we have not received any correspondence from LLOYDSTSB. We will now send a letter before action and wait and see.

Dear LEE6370, Thanks for your advice, I have copies of all the statements necessary, and have written out a breakdown and sent it to LLoydstsb; asking for a refund, as the template in the library suggests, before taking action. thanks for your help, Catherine & Paul Thompson.

Hello, My name is Catherine Thompson, and I am writing on behalf of my husband Paul,who has been charged over 10.000.00 (sorry no pound sign!). over the last six years by Lloyds TSB. He doesn,t know how to get some of these charges back. I thought you could only claim 5000.00 in the small claims court, so we don't want to challenge 10.000.00 and end up with legal costs. These charges have caused us years of misery, due to his weekly wages being wiped out by charges, leaving us no choice but to live off of credit cards. Then when we couldn,t afford the repayments on these, we had to remortgage our house twice. Again this week the bank took 315.00 in charges, we contacted them for help and instead of any refund, they just increased his overdraft! Please could some -one help!

Dear Breadline, Thanks for your message, I will do as you suggested, and start the battle against Lloyds TSB!.

Hello, My name is Catherine Thompson and I am writing on behalf of my husband Paul, who has been charged over 10.000.00 pounds in bank charges, over the last six years. ( sorry my pound sign isn't working). He doesn't know whether to challenge the whole lot, or to go for the less than 5ooo.oo he can claim for in the small claims court, without having to pay heavily for the court case. These charges have caused years of misery, as most weeks his wages have been wiped out, by the charges, leaving us no choice but to borrow on credit cards, and we have therefore had to re-mortgage twice, because we could,nt afford the repayments on these. We have again been charged 315.00 this week, and have nothing of his wages to live on, we contacted the bank, Lloydstsb, who increased his overdraft instead of considering a refund. Help please.