Lloyds TSB

[abigail2]

I am stage 4 of the process, the bank has written back to say there charges are fair! i wrote back and advised them of court action, however im tempted to go to the Finanacial Ombudsman first before court as the amount of my claim is over the £5k (Small Claims court).

 

Any ideas?? have Lloyds actually been to court yet?:-|

[kfdh1962]

I am stage 4 of the process, the bank has written back to say there charges are fair! i wrote back and advised them of court action, however im tempted to go to the Finanacial Ombudsman first before court as the amount of my claim is over the £5k (Small Claims court).

 

Any ideas?? have Lloyds actually been to court yet?:-|

 

im not aware of Lloyds actually carrying out there threat of defending a claim as of yet.

 

re the claim being over 5k, is that just for the charges or does that include the interest? I have also seen others advised to break the claim down into 2 claims to keep them below the £5k

[dolly]

Just file it, whether it is above £5k or not - you risk getting your second claim thrown out if you split it.

 

Lloyds are very, very unlikely to go to court with it....they haven't done so yet.

[abigail2]

My charges Do Not include interest. I would be interested to hear from people that have had to split charges in order to keep the claim in the Small Claims Court

 

im not aware of Lloyds actually carrying out there threat of defending a claim as of yet.

 

re the claim being over 5k, is that just for the charges or does that include the interest? I have also seen others advised to break the claim down into 2 claims to keep them below the £5k

[abigail2]

thanks Dolly i think i will do. I have in the meantime contacted the Financial Ombudsman so not sure if i should wait for their response or go ahead anyway and file the cliam.

Just file it, whether it is above £5k or not - you risk getting your second claim thrown out if you split it.

 

Lloyds are very, very unlikely to go to court with it....they haven't done so yet.