Hi I have received the following letter today from Birmingham County Court regarding my case with Lloyds TSB. As follows: ......................... ................. "Before DISTRICT JUDGE COOKE sitting at Birmingham County Court, Civil Justice Centre, The Priory Courts, 33 Bull Street, Birmingham, B4 6DS. Upon the Courts own motion. The Court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it IT IS ORDERED THAT This court is aware that a test case has been issued in the High Court between the Office of Fair Trading and certain banks, with a view of determining issues of legal principle in relation to the recovery of charges made on bank current accounts and the applicability of the Unfair Terms in Consumer Contracts Regulations and other legislation to such charges. Further information in relation to the test case is available on the OFT's website at The Office of Fair Trading: making markets work well for consumers. Upon it appearing that the issues raised in the test case will affect this claim, the claim is stayed until further order with a view to awaiting the decision in the test case. Either party may apply at any time, by application on notice in accordance with CPR23, to lift the stay. If there is no such application by 30 September 2008, the court will in any event then consider whether to make a further order. Dated 25 September 2007" ......................... .......... Can anybody help me with what letter I need to send them please. Thanks.

Hi I have received the following letter today from Birmingham County Court regarding my case with Lloyds TSB. As follows: .......................................... "Before DISTRICT JUDGE COOKE sitting at Birmingham County Court, Civil Justice Centre, The Priory Courts, 33 Bull Street, Birmingham, B4 6DS. Upon the Courts own motion. The Court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside, varied or stayed within 7 days of receiving it IT IS ORDERED THAT This court is aware that a test case has been issued in the High Court between the Office of Fair Trading and certain banks, with a view of determining issues of legal principle in relation to the recovery of charges made on bank current accounts and the applicability of the Unfair Terms in Consumer Contracts Regulations and other legislation to such charges. Further information in relation to the test case is available on the OFT's website at The Office of Fair Trading: making markets work well for consumers. Upon it appearing that the issues raised in the test case will affect this claim, the claim is stayed until further order with a view to awaiting the decision in the test case. Either party may apply at any time, by application on notice in accordance with CPR23, to lift the stay. If there is no such application by 30 September 2008, the court will in any event then consider whether to make a further order. Dated 25 September 2007" ................................... Can anybody help me with what letter I need to send them please. Thanks.

Hi All I am just preparing my court bundles at the moment which seems to be taking forever because I dont get much time to work on them, so I seem to be spending all my time trying to get my head round it. Does anyone have any helpful tips or advice that they would like to share with me please. Any help would be greatly appreciated. Thanks Jan. x

Thank you Michael I will have a look at them at the weekend. Also, does it matter if you dont have your letters that Lloyds have previously sent on this matter. I also want to know what the best tactics are. Should I file my court bundles ASAP and show to Lloyds that I am on the ball or should i wait til the last minutes so it puts them under pressure to file a response. Advice on this would be extremely helpful. Thank you. Janine. x

Hi All Hope everybody had a nice christmas and the ralley and christmas party went well! I have just received my "Notice of Allocation to the Small Claims Track (Hearing)" with my court date of 2 April 2007. There are a few things that they require that I could do with a hand with. In paragraph 3 it states that any party may rely as evidence on a statement of case (if verified by statement of truth). Is this the court bundles which you refer to. Can someone help me with what I need to send to them because I am getting a bit confused now. Thanks. Also, should I do it ASAP and show them im on the ball or do I wait til close to the deadline so it puts pressure on them to submit there reply? Any help here would be very greatly appreciated. Thank you. Janine. x

Congratulations Gemma I have my court date at Birmingham Court for April, lets hope they do the same with me. Janine. x

Please can someone reply to my question yesterday please. Thank you. Janine. x

Good Luck Gemma. Janine. x

Hi All Hope everybody had a nice christmas and the ralley and christmas party went well! I have just received my "Notice of Allocation to the Small Claims Track (Hearing)" with my court date of 2 April 2007. There are a few things that they require that I could do with a hand with. In paragraph 3 it states that any party may rely as evidence on a statement of case (if verified by statement of truth). Is this the court bundles which you refer to. Can someone help me with what I need to send to them because I am getting a bit confused now. Thanks. Also, should I do it ASAP and show them im on the ball or do I wait til close to the deadline so it puts pressure on them to submit there reply? Any help here would be very greatly appreciated. Thank you. Janine. x

Thanks Barty. x

I have filed my Allocation Questionnaire which is due by tomorrow (14.12.06), but on receiving the bank's AQ I have noticed there are a few boxes of mine which are not ticked and I am not sure if it matters. I followed the instructions on this site for Section E "Experts" to tick NO, which I did for the first questions, but did not tick anything for the further questions in that section. Does this matter? Also for Section F "Hearing" I ticked NO, to the first question, but did not tick anything on the further question "Will you be using an interpreter at the hearing either for yourself or for a witness?". Does this matter? I am worried that they will throw it out if I dont fill it in correctly. I have prepared a new one and will run it down to the courts tomorrow if you think I should do so. Thank you very much. Janine x

Thanks Michael I have put the first chunk in, so I will send it recorded delivery tomorrow. Thank you.

Hi All Sorry I have not been in touch for a while, been nothing going on but just sitting back and waiting. How did the ralley go on Friday, sorry I couldnt be there. Hope it went well and you all had a good night after. Well I have recevied the Notice of Defence from Lloyds and I need to complete and return an Allocation Questionaire by 14 December 2006, which I am in the process of filling in at the moment and would like to send tonight (show them how keen I am!!!!!) Is there anything I need to know at this stage other than what the quidance notes are telling me. I have filled it in and am adding the paragraphs suggested in Item G, "other information". I beleive I do not need to pay a fee because I am only claiming £1190.57. Do I need to send it with a letter or just on its own? Just want to make sure I get it right before I send it. Thank you so much for your help. Janine. x

Thank you Micheal and Steve Very reassuring words, thanks. Gonna march down them courts today, head in air, I will get my money back. Speak to you soon. Janine. x

Hello. Quick question - I am filing my N1 form tomorrow and now that we are getting charged again at the end of the month. Can I update the amount owing to us after filing the claim form later on down the line (e.g. when sending questionaire or further letters) or from hereon in would it have to be classed as a new claim. Thanks.