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  1. Hi John We claimed interest on the charges at the rate of 8%. We did not claim overdraft interest as this looked a little complicated: we were already paying overdraft interest to Lloyds at the time, so seperating the 'overdraft interest' from the 'charges interest' would have been time consuming and not worth a great deal anyway. The case was dealt with at Stoke on Trent. We have not seen the letter from S,C&M. And we also think our case took a long time!! Not complicated or particularly large. Some mix ups by the court with our address but generally we just had a long wait for our Pre-Lim. Please feel free to ask any further questions if you think we can help. Martin
  2. Hi Everyone Just to let you know . . . THE MONEY IS IN OUR ACCOUNT!!!! No letter from Lloyds or S,C&M so an unconditional win I think! We will be transferring the money to our other account and, once cleared, will arrange for the donation. Please let us know how. And how to move this thread to the success folder. Just to say again, such a massive thanks to everyone who has helped us directly (you know who you are!!) and indirectly - we couldn't have done it without you all!! Will look in on you all every now and then so if we can be any help please ask! Good Luck to you all!! Martin & Diana
  3. Hi jaffacup Don't panic! If you start up your own 'thread' detailing where you are up to at the moment one of the site helpers will be able to find you more easily and give you the help you need. Good Luck
  4. Good Luck Interflora!! Stick with it - you will get there.
  5. Hi pompey2007 I'm not certain, but I think you can claim back o/d interest if you can show that it is directly related to the bank charges made against the account. Keep looking around the site - the answer will be here!! Good Luck and don't give up!
  6. So much in this world is changing!! One day we'll have ethical banks . . . maybe not!
  7. Good Luck to you Daya! One step at a time and rememeber it's a marathon not a sprint!!
  8. Hi Everyone We attended our Prelim Hearing today . . . here's how it went: Had a bit of a late night last night. I was convinced that I would be asked a question I couldn't answer so I made sure I had all the information I could - Gary your links are amazing! - finally, it was all together in a lever-arch file and tabbed so I could find everything easily and quickly!! Arrived in plenty of time for the hearing - we wanted to be as relaxed as possible. The Court staff were all very helpful and friendly - like they were just normal people!! (only joking if your reading!). Due to the time we had on our hands, we managed to look at the Court lists for the day - plenty of banks names on there! We also over-heard a coversation with the Usher where she asked for 'boxes' for the Judge to look at as so many cases had been settled at the last minute they had nothing to do! At the appointed time we were called through to see the Judge. I expected to see a bit of a pompous old fart, frankly (sorry if any judges are reading!) but I was surprised by a very polite, friendly man. He invited us into the room and asked us to take a seat. After this happened he explained that he had received a letter from S,C&M yesterday explaining that a payment for the full amount claimed would be credited to our bank account within 5 working days. He then composed an 'order' detailing that everything that had been promised must happen by the dates stated. If it didn't this could be turned into a Judgement so we could send the Bailiffs in to collect our money if necessary. We then had a 20 minute or so conversation (our Pre Lim was only scheduled for 10 mins!) about how many such cases he was seeing; how much of a waste of court time this was; how he was currently in a Judges internet forum discussing this very topic; etc etc His feeling was that banks would eventually be forced to pay back the difference between an acceptable charge (for example the Financial Ombudsmans charge of £12 from Credit Card Companies) and the actual amount charged. We also had a chat about the morality of financial institutions lending people up to £40k when they clearly would not be able to pay it back! This Judge was very 'switched on' and 'in touch' with 'real life'. All in all a very successful day - cheap plonk tonight better stuff when the monies in the account!! We must take this opportunity to thank everyone on this amazing site that has helped us through this process, either directly or indirectly. In particular Gary and Barty - you are stars! We will let you now when the money has been paid in. Our donation will be paid then. If anyone is facing a Pre Lim or thinks we might be able to help on any topic please dont hesitate to get in touch. Martin & Diana
  9. Hi Gary Had a look at this before - very helpful thanks. Martin
  10. Hi Everyone Prelim Hearing is on Wed 28 March 2007 so thought I'd just keep you all up to date. Got pretty much everything I need - just putting finishing touches to it this weekend. Would be interested to hear from anyone that's done a Pre Lim with Lloyds recently? Keep you all posted. Martin
  11. BRILLIANT!! So happy for you Matt, well done! Martin
  12. Hi Matt Just caught up with your thread. Been a bit busy with the business lately! Well nothing much happening on my journey at the moment. Got 7 weeks to go before the preliminary hearing (whatever that's for??!!) - so just ticking off the days and watching the interest grow! Will keep you all posted of developments. Good luck everyone!! Martin
  13. Just a quick update . . . The Court, for reasons known to themselves, have now decided that the Preliminary Hearing will now be held in person on 28 March 2007. 10 minutes have been allocated for the hearing. It's a marathon not a sprint!! Martin.
  14. Brilliant - well done!!!! Waiting for a prelim hearing in March so still a ways to go yet! Enjoy your Christmas.
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