hi there, i have filed a claim with money claim online. one thing i want to know is if i can file for my time costs and if so how much? please note that this isnt an attempt to enrich myself but an attempt to stop the banks stalling techniques. the lloyds ruling is something that they are using to discourage claims. perhaps suing for time compensation could be a measure to discourage them a little. this is an extract from the telegraph which i found interesting "Judge David Mackie QC pointed out that over 300 cases have now been referred to just one London court on this issue, with 140 in April alone. But none has gone any further because the banks have always settled in full just before any hearing. He warned that this "unreasonable behaviour" could pave the way for consumers to receive additional compensation." thank-you rob

hi all, was very worried about this whole berwick story but i have done a bit of research and i think the banks have gone and screwed themselves. i have read the terms and conditions of my account and this is what it says..... "You must always ensure that the cleared balance .... -... -... -... – any other transactions are due to take place, including the application of interest and charges is sufficient to cover payment of all these transactions." hence if you do not have sufficient funds to cover payment you ARE in BREACH!!!! i would assume that most bank t&c's are similar. not that i am an expert but i really dont think that the judge in this case looked into the T&C's properly. i dont know if the banks can pull out of an appeal at a higher court. if they cant and berwick appeals and wins they might be headed towards their worst nightmare "a precedent". i suppose the thought of taking these monsters on must be quite daunting for kevin berwick but i think a few knowledgeable people have come forward and offered their assistance. i wont be put off by the ruling and i encourage others to continue with their claims! good luck kevin