I never actually told the judge that I was not in breach of contract. Nor do I remember him asking that question. What I did say is that I agreed the bank could apply charges, but they needed to reflect the administrative costs.

The court was Coventry County court, I will post the name of the judge etc, tomorrow as I dont have the info with me. Michael

I will scan the letter I received advising of the judgement tomorrow and send it to one of the moderators to put on the site if they like. If so please let me know where to send it to. Michael

All, Just had a letter from the judge this morning and he ruled in favor of the bank. Basically he determined that I was not in breach of my contract with Lloyds Tsb so the charges could not be penalties, but were infact a fee for a service as they stated in their defence. The ruling is due to be handed down on the 26th of June. I know people on here have been asking for T&C's from Lloyds Tsb relating to penalty charges. Has anyone found anything yet??? and is it too late for me to do anything about it. Regards, Michael

Sorry, didnt understand the 1st time. It was not mentioned in the hearing, or in lloyds defence that the charges relate to a fee for service. Not that I remember anyway.

I stated that a charge should reflect the cost it takes the bank to administer and where I agreed the bank should make a charge that it reflects the cost of administration. My case states that the £30 you get charged is in excess of this. Judge then asked what I expect the charge to be. I referred him to the BBC commission report in my case evidence that states £2.50 average and £4.00 maximum. I also stated in there somewhere that if the bank could adiquately prove that the cost of administration is infact £30 that I would concede the case.

I included a whole raft of things. If you go to the step by step guide on this site there are links to everything you need. I also included a BBC commission report that basically says it costs the bank an average of £2.50 per transaction, not the £30 they charge. Again Im sure I got that link off this site.

The questions were all about my case and related to their defence. I cant remember specific questions now, but it was things like. Why do I believe the charges are excessive and what do I believe they should reflect and what is this based on. I was too of the opinion that if they could not even be bothered to show up then it would be ruled in my favour. I was in the court a good 45 minutes too. Wasnt how I expected it to be at all. Im just glad I was well prepared, thanks to this site. Just hope his decision goes in my favour now. As you said, Ive put a lot of effort in and done things properly.

Well, had my hearing. Lloyds or their representatives did not show up. After going in to the court and answering a load of questions from the judge, he said that he could not give me a decision on the day as he wanted to go over the evidence (the pack I sent weeks ago, tsb didnt provide any, only the statement on their defence submission) He's on holiday now so told me he will post me a decision in 3 weeks. Has anyone else encountered this at all?? Michael

Cheers J. I actually had my dates wrong. Thought it was next Friday. Never mind. Got plenty to read tonight. Michael

Can anyone help. I am in court tomorrow trying to claim back my charges from Lloyds TSB. I have followed all the steps outlined on this site to date. However I have noticed that there has been a case that Lloyds has won recently. Has anyone got any details? or can you offer any advise? Cheers, Michael

I have gone through the step by step guide up to the point where I have placed a court order and Lloyds TSB have filed a defence. Has anybody got this far and can anyone offer any advice???? Is it likely to go to court????? Michael