They were listed in the SAR as charges. Can anyone point me to any mention of them on the site? Cheers

Just received an offer from LLoyds TSB to someone I'm helping. They have made an offer but excluded all the arrangement fees. It's a business account can they do this? Cheers for any advice

Hi, I'm helping a friend with a LloydsTSB Business Account. I know Service Charges are not eligible but the Bank has put a number of Arrangement Charges on her account often of £25 after a £12.50 Unauthorised Borrowing charge. Is this a hidden Penalty and can it be reclaimed? ian

My Lloyds TSB was listed for 21st December in Cardiff and a cheque arrived last Friday in full settlement. Once it clears I'll be making a donation!

For the court stuff I really would reccomend you buy the Small Claims Kit and the Pearl Book as seen on this site, they really do help. The next Court form you need is the N1 and your up to date spread sheet of claim. Stick with it I got paid out this week after 6 months!

Not sure if its all Banks but Lloyds Tsb customers might well not need to attend, and keep an eye on your post box over the next few days. My letter and attachment arrived Friday and was marked Private and Confidential by SC&M so I'm being cautious for the moment! :) :)

Hi is anyone else listed for Cardiff County Court on the 21st December. I understand there are some 90 Bank Charges cases listed on that day! it'd be good to keep in touch.

Forgot to mention this A bit of confusion re Allocation Questionnaire. You have to return it to the Court, but you do not have send a copy to SC_M. It's only a courtesy: this was in the Patricia Pearle book and I also checked it with the Court.

Hi Don't know if it's relevent but at Cardiff County Court the District Judge has listed at least ninety Bank Charge cases on the 21st December. Perhaps he knows something?

Hi, I note you mention a Court date of 21st December. You wouldn't be in the Cardiff County Court would you? I understand the District Judge there has listed over 80 claims for that same day.

Same has happened to me. With Broadband, TV and phone, my monthly bill is about £75 pcm. When I rang I was told I couldn't reduce the service to save money until I'd paid the arrears!!!. I also queried the message they put on the screen when they reduce your service which says you have not subscribed to this channel when they are still charging for that subscription!!! I queried this with OFCOM and had a less than helpful response along the lines of "you're the first person to complain about this so we can't do anything about it and won't log your call!!" How did they know I was the first person if they wouldn't log my call (or presumably anyone else's!!)? Can any legal minds out there tell me if they(NTL) can get away with this? And if you are in the same boat why not complain to OFCOM? Cheers

I have just received the Court notice that Lloyds Tsb have indicated an intention to defend the case, and will enter a defence before the 30th October. I have written to the court asking that as the Bank have sent me three letters saying they have made their final response and given the size of the Bank and their in house solicitors then I would request that if they apply for a stay to settle the matter the Court rejects it. I'm not sure of the legal status, but I would hope the Judge would at least be made aware of the delaying tactics which might help future claimants. Herewith (this legal language does get to you !) I attach a copy of my letter. I'm not a lawyer so please don't take it as gospel but you might want to try your own variant of it. Messrs Sechiari, Clark and Mitchell Department So PO Box 499 Lower Ground Floor 1-5 Queens Road Brighton BN1 3XJ CC The Court Manager County Court 20th October 2006 Sirs Re claim for recovery of unlawful charges in the Cardiff County Court Claim Number Your ref . I understand that you have responded to my claim indicating an intention to defend. The date by which you will have to file a defence is I understand the 30th October. In order to assist the Court and not waste time by taking this matter to the brink and then you offering a last minute settlement as I understand you have done so far in all cases of this nature, I am prepared to listen to any offers of settlement you may have. For your assistance I can be contacted by post at my home address, Or on my mobile telephone at I would however note that I have received three letters from Lloyds TSB containing sentiments similar to this quote “Thank you for your letter. I have noted your comments, but unfortunately I cannot add any further information to our previous letter or agree to your request. Since the banks final response has been issued, I must advise you that we will not be entering into any further correspondence regards the points you have raised.” Given these comments and my readiness to discuss settlement I trust you as a large company with experience in this field will not seek to vacillate in this matter by seeking a stay in order to secure a settlement. I am now and have been since I instigated this case, ready to discuss a settlement. Yours Sincerely

Its also worth sending a copy of the case history to BBC Whistleblower they may be doing a follow up or handing over documents to Courts!

Lloyds TSB have passed on my debt to Frederickson a debt collection agency. They seem to have a close relationship with the Bank. Does anyone know anything about them? As the debt they are trying to claim is well below the repayment I am seeking from Lloyds TSB has anyone got any advice? My ideas revolve around refusing to accept their claim and try to get them to take it to Court and either seek a stay until the Lloyds case has been concluded or by letting the case go to Court ask for a Court near me and ask them to provide the evidence that I owed Lloyds anything. This would force Lloyds into court which I know many of us considered would be a good thing! Any thoughts? Cheers

I filed my Court Action last week and also sent a copy to Lloyds Debt collectors Fredrickson asking to hold back on any action till Lloyds accepted they were acting unlawfully and therefore their would be no debt to collect. They acted faster than the Court and forwarded my letter to LloydsTSB who replied with a very negative letter but also pointed out that my Court application named a member of Lloyds staff Ms Saddique as the defendant and that she would be instructed to ask the Court to strike out my claim as I had no issue with her. Instant panic on Friday when I got this letter. Instant relief on Saturday when I got back my copy of the Court Papers as they were served on Lloyds. The Court had crossed out her name and the Defendant was LloydsTSB! Another example of how the Court system, when run as well as Cardiff County Court appears to be, can protect the little person. So to my point. Make sure you don't name any individual at Lloyds as the defendant. Your case is against the Corporate Body LloydsTSB Bank. Cheers and good luck to you all.

Hi Guys, If anyone is seriously broke cos of the Banks behaviour, unemployed or getting Family Tax Credit And Working Tax Credit etc and genuinely can't afford the £120 fee it's worth approaching the Court about exemption or remission of fees. I'm not going to try and explain the rules but its on the Court website or from Court Offices. Cardiff County Court have been really helpful with me. After all a key component of the British legal system is Justice for all irrespective of financial status. Good luck all.

Nor me but she was most emphatic and also said she'd heard of BAG they had access to the web site!

:eek: :eek: Imagine my surprise. Having failed to access my Online Banking and suspecting that Lloyds Tsb were up to no good I today phoned the 0845 3000000 number and spoke to a very helpful advisor. Apparently the Bank wrote to me several months ago to close my account, but only by standard post. I'll be following this up but the interesting statement was from the operator when she noted that I was taking action for unlawful charges and she seriously told me that the Bank had only settled in one case . They had had a training session on this. She was most emphatic! What are Lloyds telling their staff?

Think Positive! If they close your account they can't pay your charges claim into it, so they will have to send you a cheque for the full amount! Then you can offer the recovery Company £100 a month. and live on their interest free money for a while!

Absolutely not!! Keep going until the doors of the Court and I'm sure other users on this site would advise you that the Bank will settle rather than go to Court. What I'm trying to get at in this posting is whether the Bank has shot itself in the foot in refusing any further discussion thus removing from themselves the option when they receive the Court Papers of asking for a months "Stay" to discuss the options with you. Hope this makes sense!

Fastpass Nothing yet but lets see what comes from them?

Hi Just putting progress on here. I've sent the following letter to Lloyds TSB It would be good if other people responded as it cuts out a month's delay when they sneak in a "stay" for further discussions. Personal details obviously removed! Jamie O’Neill Assistant Manager LloydsTSB Customer Service Recovery Centre 125 Colmore Row Birmingham B3 3SF 4th September 2006 Dear Mr O’Neill ACCOUNT NUMBER: I note the contents of your letter of the 29th August ref BHAM/JO/ I can only assume that your comment “Since the banks final response has been issued, I must advise you that we will not be entering into any further correspondence regarding the points you have raised.”, can only lead me to assume that following my application to the Cardiff County Court for judgement in this case Lloyds TSB will not be applying for a “stay” since you have already indicated that you have no desire for further communication. Yours faithfully, Try it and see the response!!

It seems LLoyds have started to send out letters including the phrase "final offer" indicating that the Bank has no need of any further discussion with me in response to the Letter Before Action. Would I be fair in suggesting that they would no longer be in a position to request a "stay" on any court action, since they have already said they have no further response? At what stage do you think it would be appropriate to show these letters to the Court? Any thoughts?

Small point but the two periods of 14 days are advisory to show to a Judge that you have given them plenty of time. If they hit back with "This is the Bank's final offer" after just three days then they have presumabely had enough time to consider it, and you are perfectly within your rights to proceed to Court. Aren't you?

If your letter from the bank includes something like "we don't agree with the OFT and we're discussing this with them" you may want to forward this to OFT and your M.P. as they seem to be suggesting they are not willing to comply with the OFT direction!