Haha! I know you should wea a suit to a normal court but one of these I'm just not sure lol. I think if it gets to that stage I might opt o the suit just to be safe lol.

hahaha, don't worry about it. I'll have a few more questions for you no doubt!! I handed my new N1 claim forms in today so I'll wait to hear back from the court. This might sound like a silly question, but a solicitor i spoke to said that the court hearing will be a quite small affair, basically in a small room around a set of tables. I was just wondering what I should wear? lol. Are we talking a suit, a suit with casual jumper underneath or just casual clothes? lol

My brain is well and truly FRIED!!!! lol

Haha, I'm eagle eyed I am mate! I've actually got the paper versions of the N1 form which I collected from the court. Can I write down the MCOL version on these paper N1 claim forms? I've written both of them on my paper forms, but I'll just have to tipex the one out Cheers, Curt

Hey Michael, I've filled out my new N1 claim forms by copying what you wrote in your earlier post. I was just wondering if you could tell me if this last part is correct and what it means. Tell me if I'm wrong, and I most probably am wrong, but does the following quote contradict itself? "c) Interest pursuant to section 69 County Courts Act as set out on the attached list of charges or at such rate and for such periods as the court deems just. Interest persuant to S.69 County Courts Act 1984 of 8% - £xxx [enter interest total at date of claim] continuing at 8% until judgment or settlement at a daily rate of £0.xx;" Thanks a lot! Curt

Cheers lads, I understand where you're coming from now Don't apologise Glenn, I really appreciate the advice and you taking your time to help me. I really appreciate the help both of you have given me. Without your know how I wouldn't be able to do this properly. Curt

Okay I can understand all that. But I was told that if it went through the small claims track that both parties just pay their own court costs and not each other's. If I have to pay the defendant's court costs etc it might not actually be worth me going through with it in case I lose I don't think I'd be able to afford to pay their fees if I did lose. Curt

Cheers everyone! Thanks for the advice I'm now getting everything filled out now. I'm making my claim via the small claims track. This way I am lead to believe that I won't have to pay the defendant's court fees etc if I lose. Therefore, should I put on my N1 claim form that I am claiming my £120.00 court fee back if I am not prepared to pay their court fee if i lose? Cheer! Curt

That's brilliant advice Michael, thanks! I've filled out my N244 form, and am now ready to complete my three N1 forms. I know what to write in the 'particulars of claim', however, there is also another box entitled 'brief details of claim'. I was wondering exactly what I should write in here? Is it just a shortened description of my 'particulars of claim'? Cheers!

Thanks a lot Michael, that's a real help! I'll copy my amended claim from the link you gave me there. All I need to do is to find out how to fill in the 'Application Notice' form. SJMG, what did the judge say to you when he said you should amend your claim? Were you issued with one of these application notice forms? In response to Michael's question, I have pasted my original particulars of claim below. "I am claiming the return of money taken by the defendant in the way of charges over the last 6 years plus the interest plus the interest they have levied on those charges. The bank's charges are a disproportionate penalty and therefore unenforcable as they are contrary to common law. Further, as a disproportionate penalty they are invalid under the Unfair (Contracts) Terms Act 1977 s.4 and under the Unfair Terms in Consumer Regulations 1999. Para.8 and sch.2(1)(e). In the event that the charges are not a penalty then they are unreasonable within the meaning of the Supply of Goods and Services Act 1982 s.15. I am claiming interest under section 69 of the County Courts Act 1984 at the rate of 8% a year from 16/10/00 to 02/10/06 of £158.12 and also interest at the same rate up to the date of judgment."

I have gone through the various stages of trying to claim my bank charges back, and I've gotten to the point of actually going to court. I went to see a solicitor today, and he told me that the reason LloydsTSB were defending the case was because the particulars of my claim were too vague. I subsequently went to my local county court in order to obtain an 'application notice' to amend my claim. I was wondering if anyone could help me out as to how to fill this sheet in? As I originally actioned my claim on the 'moneyclaim' website I didn't initially fill out an N1 form, so I will have to totally rewrite the particulars of my claim. This whole process is very nerve wracking. Now, being told that I need to amend my claim is the icing on the cake lol :-| Has anyone else been in my position? Any help at all would be gratefully received Cheers! Curt