I agree entirely with the comments made here however, what i would be concerned about is if i had a claim going through in Birmingham allocated to DJ Cooke. He has now shown his hand and he is clearly Defendant friendly. He is the Bank Charge Judge in Birmingham and it is a fact that he is allocated all the Bank Charge claims and he block hears them........just like Kevs.....Therefore, we all now know what his Judgment is likely to be based on the Pleadings and Trial Bundle copied from this site. The question is how many will reach DJ Cooke's court room from now on and suffer the same fate..... I am NOT saying this is the death knell far from it but what about next weeks cases before JUDGE COOKE??????

Jonni Many thanks for those words of wisdom. I will think i will have a go at the all together method. I note your comments about the split and i was thinking of issuing on different years but i think it will be alright to go for it all. When you say standard disclosure can you just explain that? Being a litigation novice i have not heard that one used before. Thank you. One last thought, someone mentioned to me a couple days ago the use of a Statutory Demand. They told me that it was used for debts and claims over £ 750.00 and it costs nothing to issue or serve and the company or person have just 21 days to pay up or they could be wound up or bankrupted. Now there must be a down side to using such method in this instance but i have got say having looked into it a 'Statutory Demand' does, on the face of it appear a good option and a very cheap one as there are no fees involved in serving it just a page of correct wording and making sure the Defendant is served/ fully aware of its existence!!!! Any thoughts??? Thank you very much for that earlier advice... GWS7033

Hi All I have just read your thread and it seems in line with a question i asked in a thread i posted to earlier. Hope you don't mind me asking the same question in this thread, so here we go. I have 2 RBS accounts one account with approx £ 7,000.00 odd on it (i think i am having trouble remembering how much it is exactly, i have done that may calcs) all know is that it way over the £ 5K limit. I have a second account which i know pretty well equates to £ 1,400.00 in charges. My question is do i split the one account with £ 7K+ on it and issue 2 /3 claims and will i come unstuck doing this way??? Does anyone know for sure. A quick reply would be good as i have some charges that will expire soon, like 30 September if i don't hurry up and issue but i am genuinely confused as what to do here. I would like to get all my money back but do i bite the bullet and limit it to £ 5K like someone else suggested? Also what is the likelyhood of the courts lumping the actions together once they know what i am up to??? Your comments please!!!!

Hi All Can someone help me with this query. I have a Clydesdale account i have my statements and intend to claim the charges back which amount to approx £ 3,000.00. My query is do i have to issue this in Scotland as their registered office is in Scotland and any correspondence has been with them in head office in Scotland. I also believe that if i do have to issue in Scotland and it is defended i have a very long journey to undertake. Can someone with superior knowledge advise me accordingly. Many thanks

Hi All Someone has just mentioned the Scotish system (Forum) anyone be so kind as to point me to where i can get info on issuing in Scotland? And is it true that you have to issue multiple claims for £ 750.00 per time. Got an account with Clydesdale and they only have a Scotish address would appreciate some pointers from any of you good people out there. GWS7033