Thanks for your responses, I put it all on here to serve as a reminder to anyone not yet at that stage and to make sure they don't cock uplike I did. I understand now itslikechanging the goalposts but at the time I didn't realise the MCOL and county court were connected.I do now. I didn't fill in an N1 form; would that have helped me alter my claim. Also I have seen other threads advising people to claim the 6 years first then to go back at a later date to claim beyond 6 years. Thanks all Jill

I have been to court this morning. The bank didn't turn up, but I was asked in tosee the judge. She statedshe had received a letter from the Banks solicitors stating the claim had been settled and why was I there.I explained I didn't feel the claim had been fully settled. Anyway a lesson for all. I originally put in a claim to moneyclaim online for £1800 or there abouts, but when I found out it was going to the small claims court I had then got more information on claiming interest which bumpedupthe amount and I also decided to claim further back than the 6 years. This was my error. Following lots of little and big do's with the judge it appears that you can only claim what was originally climed through MCOL.I thought as it was then goingtocourtI was starting from scratch as I needed tosend in statements etc again. Anyway I receivedthe £2015.30 which was the originalclaim for the last 6years plus courtcosts and interest to todays date. Lesson learnt, don't change the amount of the claim halfway through. The judge has now withdrawn the claim, I left feeling a little foolish vowing never again but I have got some ofmy charges back and \i think my fight is coming back soshould I now try and reclaim the charges going back over 6 years and howlikely am I to win them back.

Hi, Thanks for all your responses.I have decidedto take a copy of the letter from [problem] and will also putin a note to say I would like the bank to say how they came about this amount which is £900.00 less than originally claimed.I am excitedbut very nervous, I will post my findings tomorrow when I have been. Thanks for all your help Jill

Thanks for that, I have just contacted SC&M and they will get someone to locate my file and ring me back within the next 2 days although I don't imagine it will be over the weekend. I told them the case is due in court on Monday so they have made a note of this, but by mind they will have to have the money in the account by monday or we will still have to go to court. I wish i had rung them sooner. Can anyone feel the panic. Jill

Thanks for finding my original thread, my question is still the same though, should I go to court or will I lose everything My court case is on Monday 16th July as a block booking. The claim I have actually put in is for £2964.43 for the period 1997 -2004. this amount includes interest charges and court costs. Because i was panicking I also put in a claim for £2285.84 for the years 1999-2004 as I wasn't sure if i could claim for longer than 6 years. Earlier on this week I noticed £2,015.30 in my account but received no letter until today. The letter states: We refer to the above matter (claim number etc) and confirm that our client will be settling your claim within 5 working days by depositing the sum of £2,015.30 (inclusive of interest and fees) into your bank account. You are advised at this stage that by our client meeting your claim on this occasion, this is not to be treated in any way as an admission of liability. This is merely an attempt to resolve the matter amicably between the parties concerned. We therefore trust you shall write to the Blackburn County Court to confirm that the claim has been settled once the funds have been received and provide this office with a copy of the letter for our clients records Yours faithfully SC&M My questions are Should i still go to court and how have they come up with the amount they have given us. If we lose will we have to pay this amount back or can I still attend court in the hope of winning the full amount Jill

I posted a thread a few days ago but now can't find it so apologise to anyone who responded. My court case is on Monday 16th July as a block booking. The claim I have actually put in is for £2964.43 for the period 1997 -2004. this amount includes interest charges and court costs. Because i was panicking I also put in a claim for £2285.84 for the years 1999-2004 as I wasn't sure if i could claim for longer than 6 years. Earlier on this week I noticed £2,015.30 in my account but received no letter until today. The letter states: We refer to the above matter (claim number etc) and confirm that our client will be settling your claim within 5 working days by depositing the sum of £2,015.30 (inclusive of interest and fees) into your bank account. You are advised at this stage that by our client meeting your claim on this occasion, this is not to be treated in any way as an admission of liability. This is merely an attempt to resolve the matter amicably between the parties concerned. We therefore trust you shall write to the Blackburn County Court to confirm that the claim has been settled once the funds have been received and provide this office with a copy of the letter for our clients records Yours faithfully SC&M My questions are Should i still go to court and how have they come up with the amount they have given us. If we lose will we have to pay this amount back or can I still attend court in the hope of winning the full amount Jill

I placed a claim with Lloyds TSB which is due in Court on 16th July, next week. I claimed from years 97-2004 which came to £2964 including court costs . As I was worried the bank wouldn't pay out as it was over 6 years I was claiming I also added another sheet which went from years 1999-2004 at a total cost of £2285 including court costs. Yesterday I got a statement from the hole in the wall which said they had refunded £2015.30 the court case number was next to the refund. Initially I was really chuffed and still am. I was about to contact the court today to cancel the court case but didn't. I have 2 tracks of thought going, 1 is thank god, no more stress keep the money and run. The second thought is, How did they come to decide this amount was appropriate and should I still go to court but let the judge know they have made a part payment. There is a chance I could gain an extra £900.00 if the case is awarded in my favour but am I risking everything by being greedy. Or is it a ploy by the bank to make me accept my fate. Please help with some sensible advice to my dilemma

I am submitting my court bundle hopefully today in time for my court date on 16th July. When my husband went to the local branch they refused to give him the Terms and conditions. We opened the account some time in the 90s so haven't kept the originals. Am I OK to include the recet T&Cs with a letter explaining the circumstances. It is a crude letter but Please give me comments on improving it if required. 'Dear Sir, I enclose a copy of the most recent terms and conditions as this was all the bank were willing to give me. I have found the local Darwen to be particularly obstructive and rude when I was trying to deal with this matter. I have also tried to access the conditions via the internet however have been unsuccessful. I hope you accept my explanation and perhaps Lloyds TSB have a copy of the Terms and conditions which they are able to present to the court. Yours sincerely' I have put all the required bundle into a file with plastic wallets in order to make the information clearer to access. I also have claimed back to 1999 as this was the number of statements I received and when i went on the money saving calculation page that started from 1999. Should I leave these in or will it make it less likely that I will win.

I have received a notice of allocation to the small claims track (hearing) on the 16th July. It says it is a back to back system which means it has been block listed. I have collected most of the information that has been asked for in this thread. I do not have the terms and conditions and am unable to get them from the archive site, can I get them from elsewhere. We were with Lloyds for years. Secondly do I need to send in all the statements or will the ones with the charges on them be enough. I have them all, just thinking about the photocopying of them all. The expert witness part, is it enough to have a completed copy of the witness statement or have I got this wrong. Sorry to do it on this thread but I don't know how to create my own. Also what does pm mean. Sorry there's a lot of questions, I feel panicky about it all but my motto is 'feel the fear and do it anyway' just want to be prepared. Jill

Really sorry to come onto your thread, I did the MCOL and Lloyds TSB have defended the claim so the claim was sent to my local county court and I filled in an allocation questionairre. Tomorrow the 14 days is up and I am frantically trying to find the OFT report on Bank charges. I printed off the court bundle but am unable to get the OFT summary that needs to be included. I have everything else ready to go except for this. Jody if you go to court don't leave everything till the last day and very good luck with your claim jill

Probably, but next year we will have a bigger kitchen as I'm going to get a few more banks sorted out. Merry Christmas all and thanks for the help and advise

Go to the FAQ section and there is a link to it, or you could type in moneyclaim online into google. Good luck with claim

WE WON £2488.44 It appeared in our bank account during the day without a fanfare. thankyou so much, it was the full asking price and now I am going to donate my 5% asking price to this most excellent site. I also plan to go for LLoyds TSB and MBNA for my husband. Thanks for all your help, New kithchen extension may just happen now Jill & Layton

Thanks, I feel prepared for battle now. I sent a copy of my charges to the bank and the court so will wait and see what happens. Thanks again

Thanks, sorry for the repeated post above I thought I hadn't sent this thread so I apologise for the repeat