I guess the list is extending; I'm number 50 on it, and everyone above is on my list too. Do we have any idea how many times there have been attempts to go Mercantile court, only to have all the cases settle before then? On my list of 50 cases, 2 are already listed as settled. The accompanying letter acknowledges that "some of these cases may have recently been settled and if yours is one it would be appreciated if you could write and confirm this". Is there any point in sorting out this CMI sheet, or should I expect a settlement offer well before needing to? Regards, Jon

Oh, if there are any passing moderators, I've accidentally posted this thread starter on the Halifax section as well. Please feel free to merge as deemed appropriate. Thanks.

Anyone else get this letter? After my claim has been moved around from one court to another, I received a letter today with an intended court hearing date. It seems that the Judge has decided to lump together 50 claimants with similar claims at the Mercantile Court. The letter seems to suggest that they are attempting a sample or test case! Incidentally, it seems that I have to complete a "Case Management Information Sheet in accordance with CPR 59". Can anyone help me out with what this is? Ta Jon

Anyone else get this letter? After my claim has been moved around from one court to another, I received a letter today with an intended court hearing date. It seems that the Judge has decided to lump together 50 claimants with similar claims at the Mercantile Court. The letter seems to suggest that they are attempting a sample or test case! Incidentally, it seems that I have to complete a "Case Management Information Sheet in accordance with CPR 59". Can anyone help me out with what this is? Ta Jon

Well, I've got as far as submitting my allocation questionnaire to the local court, but it seems that the Judge has decided to put it to the Judge at Leeds rather than the District Judge locally. I have a copy of the AQ from SC and M, and they didn't want to move it, any guesses why the Courts should decide to move it? It says in the documentation they've sent: "Upon considering the papers on the court file, it is ordered that the case be transferred to Leeds County Court and referred to His Honour Judge Grenfell". Maybe the District Judge is going on holiday...

Well, I'm a few weeks ahead of you and I haven't had any major problems so far! It just takes a bit of time to go through I guess. Good luck. Jon

thanks for that. Appreciated.

Certainly. Please let me know if the scanned copy is no good. Jon

I've already posted the LBA letter, do you mean I should adjust it and resend?

Thanks. Does everyone get the same letter from a Ms Musarat Siddique, Customer Service Officer?

Oh, I forgot to mention; I've opened another account and transferred all my Direct Debits away from Lloyds TSB already. The only thing this account currently does is receive my salary. Briefly.

I started my campaign against Lloyds TSB by sending them the preliminary letter on August 5th, claiming £200+ £32.19. Surprise, surprise, no response. So I posted the letter before action this morning. However, the postman delivered a response later on today. Here are the edited highlights; "When a customer doesn't have enough money in their account to cover a payment, this always means extra work...We feel it is only fair to charge for the extra work involved". "You've mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don't agree with the OFT's thinking on this and we're still talking it through with them. The fees we charge for going over an overdraft limit and for returned payments are not any kind of default penalty. They are fixed standard prices for the service we provide in these situations. So, accordingly to our legal experts, the OFT's guidelines on credit card default charges do not apply in any way". "I do hope you can see that we make our charging system as fair as possible - any why I cannot agree to cancel your charges. This letter is the Bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service." So everyone, should I a) leave things as they are, wait for the 14 days notice to expire and then log on to MoneyClaim. b) approach the Ombudsman as suggested. or c) write a follow up letter instructing the bank to ignore the LBA at this time and request an explanation of how their charges reflect the costs incurred in doing all this extra work they talk about. (I presume they mean manually shovelling all the extra tenners around the vault by hand, rather than leaving some faceless computer to do it in a fraction of a nanosecond overnight). Let's hear some suggestions! Jon

Thanks very much. BTW, as per the advice, I've opened another account with a different bank (Halifax) and transferred ALL my Direct Debits etc (though it has taken some weeks to organise; "All it takes to set up your new account is one phone call" - NOT TRUE!). Similarly, the overdraft has been paid off for some time now. The threat of account closure holds no fear...

Yes, I've decided to give it a go too. I've used the initial claim letter from the Library, and posted it off to LloydsTSB. It's only a small sum of money, but I'd very much like it back! They gave me a year I think after finishing Uni with my Student Account (and its fairly generous accompanying overdraft facilities) before changing it to a 'Graduate Account' (without such generous overdraft facilities) and started charging... I've sent them letters about things before; every single one flatly ignored, so I'm expecting a similar train of events this time. Here we go then! Good luck everyone.