claiming against Lloyds

[Michael Browne]

You don't need to attend court. Send both to the court and the SCM a schedule of charges together with this:

 

IN THE XXXXXXX COUNTY COURT

 

CLAIM NO. XXXXXXXX

 

BETWEEN

 

XXXXXX XXXXXXXX

Claimant

 

-and-

 

LLOYDS TSB BANK Plc

Defendant

 

 

Pursuant to Order by District Judge Rooz Dated xx/xx/xx

a. On what dates did the defendant levy the charges complained of?

b. How much were they?

c. What reason was give (e.g unauthorised overdraft)

 

Please see the attached Schedule of Charges

 

d. Was the amount charged in accordance with the Defendants terms of business at the time it was charged?

 

The Claimant is aware that each charge has been debited by the Defendant from the Claimant’s account pursuant to the terms and conditions signed by the Claimant when the account was opened.

The Claimant does not contend that the same should not have been charged; merely that the charge made should have represented the Defendant’s liquidated losses and not the fixed charges applied by the Defendant according to the terms and conditions in force at the time the charge was made.

e. What does the Claimant say a fair charge should have been?

f. How does the Claimant caculate that fair charge.

 

The Claimant cannot specifically reply to this request in that the amount that should have been charged cannot be specified because the Defendant has failed to reply to the Claimant’s request for a breakdown of costs incurred by the Defendant in applying charges to the Claimant’s account. The Defendant’s contentions that the charges are fair, reasonable and transparent are denied because of this material failure to disclose this information. Had the Claimant been made aware of the breakdown of each and every charge debited, the Claimant would have been able to reply to this particular request.

 

I, the Claimant, believe all facts stated to be true.

 

Signed,

 

Dated.

 

[Michael Browne]

So is it still valid to include it,

Yes that's fine