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Hi people, just joined this terrific forum after reading many of the threads with so much helpful advice and guidance.


I am in the process of claiming my charges from Lloyds TSB and have reached the stage where they have now sent me the standard letter regarding the court action between some of the banks and the FOT.


As my only source of income is from state benefits my next move is to change the legal challenge from contractual law to the Social Security Administration Act 1992, which says that banks must not take charges from benefits as this money is needed for a person to live on.


In addition I found the following on the Martin Lewis ( Money Saving Expert: Consumer Revenge - Credit Cards, Shopping, Bank Charges, Cheap Flights and more ) web site:

The waiver that allows banks to suspend claims does not apply to people who are having financial difficulties, also known as a hardship case. Banks will have to conduct a filtering process to ensure that cases of genuine hardship are still dealt with during the waiver period.

Although there is no firm definition of what genuine hardship is, it generally applies if you are not able to deal with your debts, for example you have mortgage arrears and lots of credit card debt that you cannot afford to pay back.


I would be most obliged for whatever help and advice any of you may have and any pitfalls to watch out for?


Many thanks


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Welcome to the site.

Indeed there are many different cases which will escape the stays applied for by the banks

If you are up against the bank applying for a stay,then you can oppose it.

Generally Courts will make any decision on the merits of each individual case.

Some Courts are wanting the actions stayed,while others are happy to let cases go on as listed.

You should find much discussion and debate on this throughout the site.

Information on current status and updates are released on here as and when they become available.

I think you should keep reading in the Lloyds TSB bank.

Of course the site relies on the input of members experiences too as new things come to light and new challenges spring up.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Thanks Martin,


I have been reading the LoydsTSB thread with interest and will post my own experiences soon.



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