Fantastic news! My court date was for 14th June and so I submitted my papers so that they arrived on 1st June ie last possible date and have just heard that Lloyds have caved in! Good luck with your case - my 'bundle' was based on the witness statement that I found but it seems that it doesn't matter too much - you just have to submit something that shows you have done a bit of research.

Sorry missed out the vital part! The other thread is headed: GOT A COURT DATE? Important, please read......

Doesn't seem to have been much response! However I found a useful thread which is headed it includes a Witness statement which I found made sense of everything much more than the 'court bundle' though it is meant to form part of the bundle. It seems to me that it plus copies of previous correspondence and the schedule of charges would stand on its own, as it refers to all the other items in the bundle anyway. It would certainly be better than doing nothing. So I am in the process of filling in all my dates etc. Good luck!

This report applies to credit card charges. Would you still use it if you are just applying for bank account overdraft charges?

Hello Sorry I can't be of any help but am very interested as I am in exactly the same position as you ie have got the standard defence from Lloyds (though mine stretches to 9 points!). My Notice of Allocation to the Small Claims Track (Hearing) says that copies of documents need to be delivered to the Court no later than 14 days before the hearing, and looking at this site I see that there is a fairly complex 'court bundle' which should be adapted for each case. This looks quite tricky! Also this site suggests that you should let an Administrator know your details but I can't see any instructions as to how to do that. I hope I can piggy back on your query! Thanks

Many thanks

I've received court papers which show that Lloyds have made a 10 point defence and so now I have to file a counterclaim immediately. It strikes me that the wording from point 9 of your witness statement would do the trick - do you agree? I've also been given a court date of 14th June so have a bit of time to sort out my bundle.

I am at the stage of completing Moneyclaim online and I had thought that I could only claim the interest that I had quoted in my 2 letters to the bank, but I now understand that I can add interest up to the present. However the annoying thing that seems to prevent me from completing the Moneyclaim form now is that I'm not sure of the date when I opened the account. Does it matter if I just say September 2004 and it turns out to be October 2004?

I would be grateful if you could advise how to do this. I see that the formula for today's date is DATEDIF(D24,NOW(),"D") and I assume I need to set this to the date that I submitted the claim to the bank. I have been slow to do this as I originally wrote to the bank in September 2006 and now the interest is quite a bit more but if I need to apply for a fixed amount I assume that it needs to be the same amount as originally requested? Any help would be much appreciated.