Hi I need some guidance as to what to do concerning my charges with Lloyds I previously (2007) started the process and got to the "letter before action" stage (Nov 07) Serious health problems prevented me from following up at this point and then with the test case (and lack of funds to make the claim at that time) I never completed it. Will I have to start from scratch now? Or can I just continue on? Some of these charges are now well over 6 years old can I still claim for them? Any advise you can give me?

Date of service was 19th August POC The defendant was indebted to Lloyds TSB for credit advanced, The debt was assigned to the claimant. Notice of assignment was given to the defendant. The claimant claims the debt due from the defendant of £XXXX together with interest at the rate of 8% per annum pursuant to section 69 of the county courts act 1984 amounting to £XXXX and also claims futher interest until judgement or sooner payment at the daily rate of £XX ... and yes it was Northampton Court .... and sorry I was incorrect the amount I was claiming is £400 less than they are.

HI About two years ago, I started the process to reclaim charges against Lloyds, ill health forced me to place progression of my claim on hold - and a few weeks ago I recieved court papers from Lloyds lawyers to sue me for the amount owing to them. Unfortunately I have still been back and forth to hospital so all I have been able to do is apply for the extra two weeks for preparation of defense. The charges applied to the account (back when it was still active) exceed the amount owing (and this is what my original claim was for). I need to very quickly prepare a defense to submit and request that the venue be moved to my local court (if that is possible), any help would be appreciated. Thank You x

Thank you I will give that a read now, I cant afford to start the court process until 1st April (next student loan payment) but I just want to have everything in order and prepared!!!!

Hi there Yes better than ever in fact! Two of the discs in my lower back prolapsed and trapped my nerves ohhhhh it was the most pain I have ever been in - spent most of last year in a daze of drugs - I was on codiene, morphine (200+ml a day) valium and various other bits (to stop the nausea of the drugs etc ...) but two hours in surgery and my life was given back to me!!! Plus as a plus after coming off the morphine I found out I am coeliac which totally changed my life ...... feel like a brand new woman LoL. Back to the subject .... I had sent them a LBA and had started drafting my MCOL online ready to submit, Im just concerned that if i restart from that point will they throw it back at me due to the large time lapse? Could I get away with just sending them another LBA or not?

*advice please* I started this going ages ago as can be seen ..... but health problems meant I got as far as final letter before court action and no further (7 months on a cocktail of heavy pain meds meant I just wasn't capable of doing anything!) My questions are ...... Should I restart from scratch as it is now coming up to 12 months ago that I last corresponded with LTSB concerning this? If I restart from scratch should I try claiming past 6 years old? ... I am assuming that I may as well wait until the test case has been settled but any advice would be gratefully recvd. x

Have had a Blackppol number phone on my mobile a few times over the past two weeks (gawd knows how they got that number). I this morning phoned them back and they were an organisation offering to send me thier "legal document" top allow me to claim back more than 6 years bank charges for the measly price of £39 Anyone else had this?

can anyone help? Today recvd letters from Capital One for both claims .... blah blah blah our charges are still lawful gesture of goodwill refund £XXX Now the amount refunded if just the charges plus court fees no mention at all of the 8% interest claimed on my MCOL. The lady in legal is out until tomorrow, anyone had any joy just by phoning Capital One concerning this? Deadline for their defense is next Tuesday.

Ouch! Just plugged my figures into the contractual interest spreadsheet and I could cry! Why oh why have I been too snowed under with Uni and work to be able to browse the forums grhhhh.... My husbands original claim is just over £1000 .... with contractual interest its £6228 too late now .... MCOL was filed a couple of weeks ago and mine jusmps from £600 to £3800 never mind

Did you claim the 8% interest and did they pay this and the court fee?

Good luck Sarah It will be a very happy day for you when that pops through your door!!!!!! ... whats in your wallet .... contractual interest you thieving swines !!!!! Wish I had asked for contractual now! Im waiting for my response from them at the moment ... they filed intent to defend on 1st Feb ..... just playing the waiting game

Ok after reading for the past hour or so I have decided to phone the legal people at C&G, confirm that thier offer will include no attempt to reclaim any costs incurred by themselves so far and if that is the case I will accept the £400 they are offering. I am a mature student who has gone back to education after a period of illness and have no funds at all to allow me to risk a hefty costs charge if it went to court and I lost. Lesson learnt, I should have asked for a breakdown of each individual *disbursement* when I recvd my SAR information, not just assumed that due to the other charges listed as legal costs, court fees, solicitors fees that all others were charges relating to arrears management/late payments. When I accept thier offer should I list it with the courts as partial payment aceppted as full and final?

please can someone give me some help urgently!!! Had a letter yesterday from C&G titled *without prejudice* I have reached the stage of I have submitted court papers for this case and this letter is a paraphrase of their response (sorry can't scan it in no scanner at home and I am snowed in!) .... blah blah blah ...... out of the 12 charges you are claiming charge X,Y,Z.A & B all relate to solicitors/court costs and charge F relates to the closing fee.(lots of details relating to each) all others relate to admin fees for arrears etc.... .... financial consideration of going to court .... blah blah offer £400 ..... accept this by Monday or we will apply for your application to be struck out .... blah blah we are confident that we will win ..... you pay costs blah blah yours nastily C&G Now, the statements they sent me had listed quite clearly solicitors fees/court costs as seperate items and the only items I was claiming were ones marked *disbursements* which is vague to say the least I made 100% sure I didnt claim any that looked to be related to any verifiable costs. Now I am slighly panicking if these are solictors fees (and they have included invoices to themselves from approximately the correct dates) will it get thrown out in court?? Can I defend by saying the data protection information supplied was inadequate? If they are so confident why was the letter headed *without prejudice* so i could not submit it to the courts? (well as i understand it without a judge asking for sight of it) Any advice would be very gratefully recvd.

Oooh nice tip I have accounts with Halifax and Natwest (both basic accounts) and pay different funds into each, if i recycled back and forth it might improve my status with them

:-| *bump* can anyone help here?????