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Have just received Allocation Questionnaire from Lloyds. They have issued 10 points in their defence. Amongst others the bank is entitled to charge for services and that I have acknowledged that the charges are part of my contract with them (i havent). Also that there is no breach of contract, therefore the charge cannot be a penalty. Advanced warning of charges is given (not true) . the charges are fair and reasonable and therefore lawful. They are not subject to the unfair terms in consumer contracts regulations. the charges are for a service .

Obviously I am scared about going to court.

I shall complete the form, and send the extra £100, but am worried about appearing in court to defend this.

Any tips?

thanks

Mim

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Have just received Allocation Questionnaire from Lloyds. They have issued 10 points in their defence. Amongst others the bank is entitled to charge for services and that I have acknowledged that the charges are part of my contract with them (i havent). Also that there is no breach of contract, therefore the charge cannot be a penalty. Advanced warning of charges is given (not true) . the charges are fair and reasonable and therefore lawful. They are not subject to the unfair terms in consumer contracts regulations. the charges are for a service .

Obviously I am scared about going to court.

I shall complete the form, and send the extra £100, but am worried about appearing in court to defend this.

Any tips?

thanks

Mim

 

 

Ok firstly you need to start a thread in the Barclays forum and list what actions you have taken, this will help us to answer your questions better. This sound like apretty standard defence.

Barclays new thread

 

 

 

 

 

I am not a legal expert my advice is given without prejudice and is purely my opinion only. If you are in doubt please seek professional advice.

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