Guys again in need of a bit of advice pleeeaassseee!!!!!! STILL fighting the Lloyds TSB for bank charges. Has gone as far as going to the local County Court(allocation questionaire completed) and a further £100 paid as Lloyds decided to defend the case!! why are they SO awkward anyway District Judge at Colchester considered the papers and quote ordered that Transfer to Southend County Court and refer to a different District Judge for allocation and case management with other similar cases proceeding in Essex. Because this order has been made by the court without considering reps from the parties, the parties have the right to apply to have the order set aside,varied or stayed. A party wishing to make an application must sent or deliver the application to the court (together with any appropriate fee) to arrive within 7 days of this service order. That was decided on the 19th Feb however, the letter attached along with that desion was dated 28th Feb by the court which even if we had wanted to make an application we had no idea when it had occured and missed the dead line.!!! The courts are not helping. ANYWAY The case has been stayed until the 5th April. No time or anything has been stated do we attend this it does say that the District Judge Dudley in boxwork whatever that means. Also have complied a case file thanks to this absolutley brilliant forum do i need to forward that on for the district judges attention? Do kinda feel a little out of depth here reclaiming my bank charges from the co-op was a lot easier. Also one more quick question, if the OFT do decided to lower the bank charges and not investigate, does this mean that the bank will only offer a % of the charges now, seeing how we have come this far? and can we claim the £100 that was paid with submission of the allocation questionnaire in with the charges? I would be very appreciative if someone could give me some guidance as to what to do next or if there is anything i could do to help us win this case. I look forward to a swift response L8rs taters Pagsie

HELP!!!!! What should we do next? Have now entered judgment with regards to TSB not following through to defend the claim we made against them in small claims court. Have recieived no paperwork such as the Allocation Questionnaire which we were expecting especially as TSB do have a reputation to be awkward and usually defend there cases. So what now?? Has anyone been in a similar situation? Would be happy to hear of ya Best wishes Pagsie:p

Thanks Angi I have come across something interesting as well, apparently there is an audio interview with the Head of TSB think it dates back to 2002, in which he himself actually states that the bank charges ARE overflated(like we didnt know that eh!) and you can also submit that as evidence to the court but you do have to inform the bank as well as the court that you are submitting this evidence.The down side is i have no idea where this audio interview can be obtained. Wil be really interested in how you get on Angi, please keep me updated. Pagsie x

Dear all. Having been a successful bank charge claimer thought i would help my fella. The down side is that the Lloyds TSB bank are putting up a fight rather than paying up, unlike my bank. Have taken it as far as the small claims court and today we have just recieved a Acknowledgment of service and they have ticked the box " i intend to defend all of this claim" do i now need to start getting him preped for a court appearace? Has anyone else had this problem with the above mentioned bank? Have defo been doing research with regards to going to court. Think i will sit tight and hope that the bank do not file a defence within the next 25 days. Would be happy to hear from anyone else who has been in similar situation!! Pagsie

Cheers guys for your help and support, i have spread the word and am now helping others to get their bank charges back. What a brill web site with so many helpful people!! I cant thankyou enough, all bank charges have gone on crimbo pressies and a few little treats but would not of been poss without your help guys, Thankyou,thankyou, thankyou i love you all!!!!!!

Hey guys yesterday had letter from court to say notice of acknowledment of service has been acknowledged today i came home and found a letter from the Co-op saying that they are refunding my charges and have put it into my account yippee I will have a merrier christmas now. Thankyou all for your help and words of encouragment and advice have given this website to loads of my friends and they are now starting the journey as well. Thankyou thankyou thankyou:) :) Good luck

Guys i need your advice please. Have started the Small claims proceedings with the Bank have just got home and found a letter from the county court that says "notice that Acknowledgment of Service has been filed" today, a copy if which is attached. As i understand it the defendant now has 28days from the date of service of the claim form to file a defence, what do i do in the mean time, has anyone been in the same situation that could offer me advice:confused: :o I look forward to hearing from somebody......ANYBODY!!!!! Hear from you soon hopefully Pagsie

Well having followed proceedure step by step sending pre-lim letter then letter b4 action, although i have had a response from co-op on both occasions the last letter the co-op said give us 6 weeks and we will look in2 it. No way was i going to do wot they wanted!! having waited for the 14 days to pass i have proceeded on to the small claims court, this is where i did soften a little and wrote to the co-op and informed them that i had proceeded to go to small claims court as stated in my 2 previous letters and informed them that i felt they had had enough time to investigate my claim, and did say that this stage could of been prevented if they had taken action sooner. Fingers crossed that i get a positive response and b4 crimbo as well. That 8% interest bumps your amount up nicely as well (every little helps) . Not sure if i was right to add Small Claim court charge on aswell but i have and have included all on my spreadsheet, which i again included in my last letter to the co-op. Laters taters will let you know how i get on but wish me luck;) Pagsie

Thanks Hagenuk Will include the £10 Subject Access Fee on to spreadsheet and include it in that way. Will let you know how i get on Pagsie

Hi folks I have made a start with my claim for bank charges. The pre-lim letter and spreadsheet of charges has been posted, and within 4 days i had an acknowledgment to my letter (20.10.06) which did put me on the back foot a little as did not expect to hear anything saying blah blah blah sorry will investigate as matter of urgency and a member of customer services will be in touch within the next 7 days........ Yep never heard a dicky bird from them so will send on the next letter. This is where i require a little help.! At this stage do i add the 8% on and is it too late to ask back for my £10 sent for the Data access request as i understand it we can ask for that back cant we? Advice would be very much appreciated, this money could come in REALLY helpfull for christmas. L8rs taters Pagsie;-)

?Hi folks Have finally got myself into gear and thought i should claim back the bank charges that have been inflicted on me over the last couple of years. Wish me luck with my venture i am sure q?'s will be asked by me on my journey!!!!