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In court Day after tomorrow! HELP!


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I am in court on wed 2pm and am really struggling! What will be required of me? Will i have to give an opening argument? What should I say? I'm so terrified!

I am by no means a public speaker and know that I will get tongue tied and lose it! Didn't really think that it would get to this stage!


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broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Still mind numbing. Hoping that it will stay in my mind. I presume I just need to outline that I believe the charges to be un-lawful and that I am seeking a refund. Do I need to state cases and refer to the technical jargon cause this is really going to throw me off kilter!

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It's good to know someone else who's going to be there tomorrow!


As it stands, I had a letter from SC&M last week saying they had requested a stay, and a copy of a letter from them to the Court asking for a stay.


By the time I left this morning, I had not received anything from the Court.


When I got the letter from SC&M I called West London CC, and they advised me to send a fax saying that I still wanted to go ahead with the hearing, which I did.


I've submitted my bundle to Lloyds and the Court, but not received a bundle from SC&M.


I was going to call the Court, either this afternoon or tomorrow morning to see what's going on.


Let me know if you hear anything...

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It is likely SCM will request a stay on the day. Be prepared to argue why a stay should not be granted. Have a look around this forum:



If the matter proceeds to a full hearing have a look here:




If I have been helpful please click on my star and add a comment.

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Thanks for your advise, but could I ask a little more of you?

In the posts that I have read it states that to begin with in court you should "tell your story" but I just can't think of where to start! I will be ok if I could just think of the first couple of sentences but my brain is getting fried!

Please could you start me off?

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If your case get heard on the charges your story involves saying for example:


Over the past x years you have incurred penalty for going over your over draft limit etc and that as a consequence you have incurred charges that total x.


Then go on to say that you consider the charges are unlawful for reasons detailed in the third link in post 7 above.


Then add anything that is relevant as stated in the second link in post 7 above.


Try not to panic. Very few cases get heard on the charges issue.

If I have been helpful please click on my star and add a comment.

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