I wrote to local Mp (safe seat Tory- claimed for mousetraps on expenses) to ask her to support Mohammed Samwar MP's ten minute rule bill which would cap bank charges - she passed the letter on and this (attachedx2) is the response from Ian Pearson, Treasury. Still don't know what the local Mp's view is, but I can guess. Will be writing back to find out.

Thanks Scott, but no I've already tried that address. Basically told that it wasn't their responsibility and gave me the Brighton address for Lloyds.

Charges applied to credit card 2001 - 2003. Sent request for refund to Customer Liaison Dept Glasgow They replied that it's not their problem try Credit Risk, Consumer lending, Lloyds TSB Bank Plc, Third Floor, Victory House, Trafalgar Square, Brighton, BN1 4FY which I did in late October Haven't received a reply Anybody got a clue ?

Asbo's for banks ? Anti-social banks

GuidoT, Thanks for the directions. The PM options were all enabled already. I disabled then re-enabled, has this worked ? Later = tried PM you, but your PM option is not enabled.

Guido - Yes, I have a copy but need advice on delivery. Sorry, forum beginner. Scan it or type it out in Word and then attach it ?

Email received from MCOL today. "Thank you for your e-mail. The Money Saving Expert information you have quoted is incorrect, Money Claim Online are only staying bank charges claims that are defended after the 10th of August regardless of the issue date. This is line with District Judge Murdoch's order in view of the OFT High Court case. You may if you wish apply to have the stay lifted by writing in to the court at the address below. MONEY CLAIM ON LINE COUNTY COURT BULK CENTRE ST KATHARINE'S HOUSE 21-27 ST KATHARINE'S STREET NORTHAMPTON NN1 2LH"

Phoned Darlington CC this morning. Initially told that cases are being stayed on a case by case basis. However the lassy on the phone went to confirm this and came back with all cases automatically stayed. Seems like postcode justice.

MCOL Submitted 22nd July. Notice of Issue dated 23rd July 2007. Notice that Acknowledgment has been filed, dated 31st July 2007. Filing of Defence, dated 15th August 2007. Online Status of this Claim - "......Your claim .......... will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly." Today received Stay without hearing from Northampton CC Bulk Centre. No indication that bank had asked for stay. I read on Moneysavingexperts site that only new claims submitted after 13th August would be stayed. Does anybody know from when the blanket stay kicked in ? How come once a defence had been filed and the claim could no longer be processed online, and the case would be transfered to another court, that Northampton court still had jurisdiction over the case ? Anybody got a clue how to proceed ? Cheers.

Lords award compound interest for tax refund “We live in a world where interest payments for the use of money are calculated on a compound basis. Money is not available commercially on simple interest terms... If the law is to achieve a fair and just outcome when assessing financial loss it must recognise and give effect to this reality,” said Lord Nicholls. Implications for bank charges ?

What does bumped mean ?

Cheers for that - hope it all went well with you.

Another possible problem ? When Halifax responded to the SAR for details of the default charges they'd applied to the account- they sent a one page list of charges which included the amount of charge and date applied, but no description of what each charge was for. I simply copied these details with the description default charge into the spreadsheet for inclusion in the schedule of charges. Will a court need more detail ?

Hi, I've been reading CAG and MoneysavingExpert forums for the last few months for advice on how to proceed with bank charge claims, on behalf of four working extended family households who have been charged several thousand ( not including interest) over the last 6 years or so. Having downloaded templates I helped start their letter writing and thought I had gleened sufficent understanding to help proceed with the first of the court claims. The first of these against Halifax was made using MCOL just prior to the OFT announcement and was deemed to have been served on the 28th July and has reached the stage of acknowledgement which was filed 31st July. Reviewing the POC recently I realized I'd made mistake(s) :- 1. - In the first sentence instead of stating that the account was opened on 12/03/99, I'd put 12/13/99. An '1' instead of a '0'. 2. I didn't name myself as a Friend acting behalf of the claimant - I'm concerned that if this actually ends up in court, he will need someone to represent him as he doesn't have the time ( works long hours) to familarise himself with the in's and out's of the relevant law and court procedures. 3. Having read the threads about claiming back more than six years I included all the charges prior to the six years limit but didn't include any reference to the law which voids the 6 year limitation. Was this necessary at the POC stage ? Do I need to ask for the claim to be amended ? I'd be obliged for any advice