Ive just recently had my bank charges refunded. First Question how do i donate to thids site? Also had DD sent back last week. As would have made me almost £3 overdrawn. Know this was stupid but i had alot on sorting out my court bundle. Anyway so Lloyds have charged me £35. They are going to take this charge on 6th July. I was going to close this account before then anyway. Were do Lloyds stand if i just close the account. Can they still charge me? Will i have any come backs from Lloyds.

Just checked my internet banking and i have an refund. BC Refund (claim number). They have refunded my bank charges but havent sent me confirmation they were going to. Is it pretty safe to say now they wont turn up in court on tuesday and i should be expecting a letter tomoro or monday. Just about to go withdraw this money and put it somewhere safe.

Sorry Hass im going to hijack your thread. As i have said before i have a court date the day after Hass was meant to have his. I have watched this thread closely and was really pleased for Hass when Lloyds paid up. I am due in court this coming Tuesday so was expecting a letter from Lloyds agreeing to pay me out. It still hasnt arrived. Lloydes havent even submitted there court bundle yet. Infact they never sent me copies of my bank statements i requested back in January, i had to use their internet banking to find out what they had charged me. It seems i have played everything by the book using this web site and they have not complied with the court or the law regarding sending me my statements. Im seeing alot of people losing now and im panicking. I have sent SC& M and the Judge letters of non compliance and had no replies. Ive no idea what Lloyds are going to use in their defence. I am panicking big time surely Lloyds and SC&M cant behave like this and still win come Tuesday. PLEASE CAN SOMEBODY GIVE ME SOME ADVICE

Try this link it ishttp://http://www.consumeractiongrou...important.html if this doesnt work go to the lloyds forum, use the search and type in got a court date theres a thread started by sticky titled Got a court date. i think you will find this very useful as i did Hope this is ok for you.

Was abit excited on last thread. My last Questios i think. I am going into Hull court to drop off my bundle tomoro. This may sound really thick but i want to get this right. Do i need a covering letter to put in or do i just stick it in a big envolope addressed to the court manager? First page stating claim between myself and Lloyds plus claim number. Also i am going to send another copy of this bundle tomoro to the bank. Do i address this to there solicitors because i have read on another thread to send this somewere else. The address at the bottom of there defence is Sechiari Clark and Mitchell,.............................. Brighton, East Sussex. And it does state it is an address notices about this case can be sent. I told you this was a thick but dont want to mess this up at this stage. Oh and do i need a covering letter for Lloyds copy of this bundle? Thankyou

Nice one im feeling pretty confident i have a good bundle. BRING IT ON LLOYDS. I will let you all know how i get on.

Hi there i have almost completed my bundle so this could be useful for anybody just starting to put one together.I have in it so far Witness Statement, Relevent Case Law, Oft report 2006 with section 4.21,BBC news report, orton letter,McNamara interview, Early Day motion, Correspondence, Statements of charges, Scotts Law Commission Report, Australian Default charges report and bits and bats of terms and conditions. I hope this might help somebody but as i am pretty useless on computers cant put in the links. I cant seem to find The Competition Commission report, Data Protection Act Subject Access Request for manual intervention, Transcript of telephone communication with Lloyds TSB personal banking. I have read on this site these are useful to back up your witness statement. Can anybody point me in the right direction? Can anybody spot something i have missed? Thankyou

Hi that list Correspondence Statements of charges BBC news report OFT Report Summery Orton letter McNamara interview Early Day Motion Relevant case law Witness statement Scotts Law Commission Report Things that i cant find are Competition Commission Report Data Protection Act Subject to manual intervention Automated charge notification letters (all mine have been destroyed) Cheers

That was a great help thankyou

I am at exactly the same stage as you with a court case Hull court 26th June. I am just off out the door so no time now but at some point tomoro i will give you a list of everything in my bundle and you can give me a list of whats in yours. We can then see if one of us missing something the other one has included

Im having a right nightmere now. I had a student account and have no terms and conditions infact i have no terms and conditions from any account what so ever. I realy need to sort this bundle and have just read that if i dont have these terms nd conditions i stand a good chance of losing which has happened in other cases. i have tried the Way back machine and looked all over this site. Does anybody know were i can find these please.

Oh yeah see what i have done what about zippy and george. Anyway thanks for those links they were helpful. I have a final hearing at Hull court on the 26th June. I submitting my court bundle on monday, i know that is pritty last minute but i will have plenty of time to tidy every thing up over this weekend.

Hi, just looking for a couple of links for my court bungle. ive tried following the links in Got a court date but cant seem to find what i am looking for. I am looking for Office of fair trading report, April 2006 Australian Default charges report, Nicole Rich Data Protection act Subject Access Request for evidence of manual intervention can anyone point me in the right direction Thanks

Thanks for that i will get onto the data protection. i was thinking maybe i could submit this evidence in my court bundle next week.

Hi, Can somebody give me some advice and answer a couple of questions i have please. I am right at the end of things now. I have a court date on 26th june at Hull court. I heard on the news that a Hull county court judge is considering throughing 20 cases out of court. I have checked and i havent got this particular judge. Lloyds have put in the typical 9 point defence. Should i panic? I have searched this web site and found some really helpful stuff such as the court bundle. My next question is what does it mean by personal info for my case? I have put an effort together for everything i intended to rely on. I purchased a law pack today from this web site. As my court date is fast approaching has anybody got any experince of how long this pack will take to arrive and will it be a massive help to me? I go on i know. lastly i promise I origanally requested my bank statements using a letter £10 check etc etc. I never needed these as i decided to start my claim using print offs from net. I sent this letter in Jan Lloyds cashed my check in Feb but still now in June they still havent sent me my statements. Can i do anything about this. If anybody has the time to point me in the right direction or answer even one of my questions it would be greatly appreciated