thanks for the reply....... i would have thought paying me back 2/3 of my money was admitting they were in the wrong..... anyway, a quick question, as i can't find the answer to this, and haven't got time to search for it.... do i just fill in the N149 allocation questionnaire as normal (following the guide in the templates library) or does the fact that i have received some money back affect how i fill it in? many thanks x

hello all, so confused .... my court claim against LloydsTSB (£512.93 inc £80 court fee) was acknowledged on the 7th of december. On the 19th, i received a letter from Lloyds dated the 13th, saying 'On this occasion we are prepared to repay you £385'...this was paid into my account 2 days later, without me agreeing to it (i didn't get a chance to say no, as i will only accept the full amount)... Anyway, I was about to write back, when today a letter came from the court. Lloyds have submitted a defence.... I didn't know they could do that when they've already kind of admitted they're in the wrong by repaying some of the money .. any ideas what to do now? many thanks x

hey guys, back again, i'm going to write to them on the 2nd, my next day off, when i have a chance to go and print the letter and post it. any ideas what to write? i was thinking of giving them 14 day to repay the rest of the money and start a new claim. sound about right? the 28 days or them to submit a defence is up on the 4th, but i can't see them doing this as they've already repaid some of the money. so confused. many thanks.

ok thanks;) , will do. It's going to take a while for te reply to come through. The 28 days are up on 4th January. Does that mean if they don't submit a defence i automatically win the rest of the money back? or do i need to start a new claim for the rest? X

Hello all, Lloyds acknowledged my court claim on December 7th, and i was waiting for them to submit a defence...then 2 days ago (19th), i received a letter dated December 13th saying This was paid into my account today...i didn't have time to respond to the letter... Yay i've got some money back but my claim was for £512.23 + court fee of £80. Can anyone advise me on getting the rest (£207.23)?.... I want it ALL! I can't believe they didn't give me the chance to say 'no, i want the full amount.....'

thanks for the reply. filed it on the 28th, letter i received from the court says 'it will be deemed to be served on the 3rd December (ie sunday)..the defendant has until the 17th december to reply' uh-oh....posted the stuff off today, so hopefully they will receive it tomorrow or tuesday. they hadn't acknowledged the claim so far.... basically, am i screwed? X

thanks so much GaryH!! will get those in the post first thing tomorrow....hope it's not too late! x

*Bump* Please help me guys.... i really think i've done this wrong. do i need to amend my claim and include a schedule of charges?? *sob sob* thanks X

thanks for the reply! i've got a bad feeling i've done this wrong....... i copied and pasted the 'particulars of claim' from MSE, and added all the relevant bits, but there was no mention of adding account number...... also, there was barely room to fit in all in the space provided anyway. would be great to get a fool-proof detailed step-by-step guide to doing all this!! the ones on here and MSE are rather vague....or maybe i'm just thick!!! anyway, did i also have to send anything else with my court claim, such as a list of all my charges? etc etc...again i'm in the dark on this one. i just hope my £80 court fee hasn't gone up in smoke, and that i'm not going to be worse off than when i started! any advice much appreciated Xx PS. here's the particulars of my claim copied and pasted from moneyclaim...no ideas why the question marks appeared?! 1. Between the dates of 20/9/2000 and 9/11/2006 the Defendant applied numerous default charges to the Claimant?s bank account. 2. The charges applied constitute an unfair penalty under the Unfair Terms in Consumer Contracts Regulations, which state: 'A term is unfair if it requires any consumer who fails his obligation to pay a disproportionately high sum in compensation'. The amount charged does not reflect the cost of the breach. 3. Under the law of penalties, the charges are an unlawful ?extravagant? penalty. 4. Under the County Courts Act 1984, the claimant is entitled to interest at a rate of 8% per annum from the date they were first deprived of the money to the date of this claim. This amounts to a sum of £98.39, continuing to accrue at the statutory daily rate of 0.021% until judgment or earlier payment. 5. The Claimant therefore asks the court to enter judgment in their favour for the sum of £415+interest, amounting to a total of £512.23.

Hi All! I began a court claim yesterday against Lloyds TSB...they failed to respond to my LBA sent October 31st....however i didn't do the next step and tell them i was going to begin a court claim.... Following the step-by-step guide on MSE.com, they say you can miss this out and just begin your court claim... Have i done wrong? Also i there didn't seem to be anywhere to put my account number on the claim form...will they be able to identify me?? thank you for any advice!! Xx

ok thanks a lot for the advice...;-) think i'm gonna have to start my own thread rather than just asking questions. x

Hello again!! I posted my first letter to lloyds last week (16th October) asking for my charges to be refunded...today i have received a letter from them: I thought they would send a letter telling me to sod off ?! Also, i gave them 14 days from the 16th. Does this mean i can send my 'letter before action' on the 31st? They have asked me to give them 2 weeks!! Thanks in advance x

Hello all, just wondering if Lloyds have taken your £10 for the SAR? My cheque hasn't been cashed so far, but i was just reading on MSE that they can't charge for statements? Just wanted to ask you guys, incase they decide to take it at a later date...leading me to incur a charge!! x

ok thanks a lot! x

Hello everyone! Thanks to all who have helped me so far. I received my statements from Lloyds yesterday, and i've calculated my list of charges...one of which is an eye-watering £60!! I know you can only claim back charges from the last 6 years...so does this mean i can only claim back the charges on the list below from the one dated 24/10/2000? As the 5 before this fall before the 6 year cut-off point if I post the next letter tomorrow. Any advice gratefully received. Thanks, Robinson79 X Schedule of Charges: 29/08/2000: Unauthorised Borrowing Fee - £10.00 30/08/2000: Unauthorised Borrowing Fee - £10.00 01/09/2000: Unauthorised Borrowing Fee - £10.00 06/09/2000: Unauthorised Borrowing Fee - £10.00 20/09/2000: Unauthorised Borrowing Fee - £10.00 24/10/2000: Unauthorised Borrowing Fee - £10.00 25/10/2000: Unauthorised Borrowing Fee - £10.00 26/10/2000: Unauthorised Borrowing Fee - £10.00 09/04/2002: Overdraft Excess Fee - £25.00 09/10/2002: Overdraft Excess Fee - £40.00 10/02/2003: Overdraft Excess Fee - £20.00 10/02/2003: Unpaid Standing Order - £30.00 09/05/2003: Overdraft Excess Fee - £20.00 11/08/2003: Unpaid Standing Order - £30.00 09/09/2003: Overdraft Excess Fee - £60.00:eek: 13/04/2004: Overdraft Excess Fee - £20.00 09/06/2004: Overdraft Excess Fee - £20.00 09/09/2004: Overdraft Excess Fee - £20.00 11/07/2005: Overdraft Excess Fee - £25.00 10/07/2006: Unpaid Direct Debit - £35.00 Total: £425.00

thanks jadest, think it's time to take action! will be on the case tomorrow x

hey guys! i sent the letter on sept 14th, think it was delivered on the 16th, so the 40 days is up on 26th oct i think... i gave them a call last week (0121 633 5452), they said i should receive something in the next 10 days... ... so i'll just have to wait and see i guess... x

is there not a HSBC thread? this is a LLoyds TSB section of the forum, so u might not get much help here x

think the snowball is turning into an avalanche!!! the banks won't know what's hit them :grin: xx

ok thanks a lot wavelab and ninap! think i'll give them a call x

oh good, thanks jadest letter was sent 14th sept, so i guess i'll just have to sit tight. is it worth calling to check progress? (number anyone ? ) x

sorry just want to bump this up, see if anyone can answer !! x

Hello, I sent my SAR to LLoyds on 14th Sept, unsurprisingly I havent received anything back yet, and the cheque hasn't been cashed... Just wondering if i have sent it to the wrong address.... martin orton, 125 colmore row, birmingham, b3 3sf i sent it recorded, and it was delivered, but i've seen a couple of other addresses bandied around. is it possible to try and call and check where they're at with my request? many thanks x

oh god !! i copied the letter off this site, didn't realise i had to put my sort code doh!!! is this bad....? also sent it to a different address... martin orton, 125 colmore row, birmingham, b3 3sf although i did write the '25 gresham street' address on the actual letter... should i send another letter and cheque? x

hey thanks, that was quick!! Is there a specific address to which to send correspondence? Thanks again x