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Hi. Has anyone actually had to attend a court hearing in respect of these claims or will the bank normally settle before it gets to this point. I am just trying to assess whats involved potentially here from a time point of view. I always like to be prepared! Thanks

I am considering a claim against Lloyds TSB for approx £3000 in unpaid excess fees etc. If, after submitting the letter, the bank doesn't cough up and I start the claim through the county court small claims track, they defend, I understand it is the Judge who would decide if it needs to be heard in the small claims or higher court. If he decides a higher court and the bank wins, I would be liable for costs. If, assuming it got this far, the judge descides it should be heard in a higher court, could I drop the case then? - I am a little scared about the potential damaging effect of paying their costs - just trying to protect myself! Can anyone confirm my understanding of the situation. I know this is highly unlikely but I want to cover every angle.

I am considering a claim against Lloyds TSB for approx £3000 in unpaid excess fees etc. If, after submitting the letter, the bank doesn't cough up and I start the claim through the county court small claims track, they defend, I understand it is the Judge who would decide if it needs to be heard in the small claims or higher court. If he decides a higher court and the bank wins, I would be liable for costs. If, assuming it got this far, the judge descides it should be heard in a higher court, could I drop the case then? - I am a little scared about the potential damaging effect of paying their costs - just trying to protect myself! Can anyone confirm my understanding of the situation. I know this is highly unlikely but I want to cover every angle.