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Did you post your allocation questionaire off and what was the return date. Mine was 25/7/06. The defence was the same as yours.

I am also on the same time scale as you, the return date for my allocation questionaire was 25/7/06. Now I suppose it's just a case of wait for the court date. They are probably cuting thier losses hoping that some of us will bottle out before it gets to court. They will be busy attending the hearings hope they are well staffed.

I'm dealing with Sechiari Clark & Mitchell aswell have'nt got a date for a court hearing yet.

I also returned my allocation questionaire on 21/7/06 the deadline was 25/7/06. What next any idea?

There do not appear to be many cases listed in the litigation concluded section for Lloyds TSB are they one of the worst to deal with.

Thanks for the advice. I have completed the allocation questionaire and will post it tomorrow, it was recceived while on holiday with a deadline of 25/7/06.

Just returned from 2 weeks holiday to find the allocation questionaire dated 6/7/06on the doormat to be returned by 25/7/06. I've completed it but is it necessary to complete section G of the N149.

You must be one of the lucky ones, I just received a notification of charges to be debited from my account on 3/7/06 of £152.43. I was waiting to get my claim settled and I will ask for these charges to be refunded also.

No not a mention of it. They just wanted further details of how the claim is made up, dates etc. I'Vve typed my response ready to send on monday with a copy of my spreadsheet and original request for payment. Spiceskulls advice.

I received a reply from Lloyds solicitors today requesting further information about the amounts I am claiming. I intend to reply by sending them a copy of the spreadsheet, I will also send a copy of thier letter and my reply to the court is this correct?

Anyone else filed thier cliam today? I would like to compare progress.

Money claim filed today £1653 with a lot of help from Spiceskull.

Received a reply to LBA today a final no from them. Spread sheet almost done. I intend to file my claim on Saturday 3/6/06 if it is possible to doit on Saturday. if not I will do it on Monday, that will give them the full 14 days. Anyone else about to do the same?

Unfortunatley mine won't for some reason. Also do ou know if you can claim for Overdraft Usage Fee's

Can someone please tell me the easiest way to calculate the number of days of days since offence on the Spreadsheet.

Managed to post off my LBA today ansd intend to get my spreadsheet ready for Moneyclaim as we all know what the reply will be.

Yes I have used your advice thanks. I intend to post my LBA letter on Monday 15/5 is anyone else on the same time scale as me it would be good to compare how things are progressing.

Can someone please confirm that it is now ok for me to send the letter before action and is there anything I need to add to it? I know I delete the red text if there is no default.

Toady I recieved one reply dated 10th May thanking me my complaint and saying they are sorry that I feel they have let me down. They will look into the issues raised and will give me a full response within 28 days. It gave the name of the manager of my branch if I wish to contact them and eclosed a leaflet "How to voice your concerns" I also recived a reply dated 11/5/05 which was the standard reply to the first request for refund. A big fat NO! Sorry I haven't worked out how to scan the letter yet.

Sorry about that I am abit of a novice with computers.

I posted my request for a refund of charges totalling £1299.00 today. I've dragged my heals a bit but it just added another months charges to my claim. Please stay on 1 thread, the Moderators have spent time cleaning up the forum due to this reason, thanks! Louise

Thanks Neo just wanted a little reassurance. Here go's.

This is my first letter which I will post tomorrow. I have left out the default section as I am not sure if I ahve one or not. I have also left out the bit about interest as everyonr seems to be of the opinion that is is to difficult to calculate. Is this correct? I have included the folllowing:- unpaid d/d o/draft excess fee o/draft usage fee unauthorised borrowing fee (exceeding ageed o/d limit). Lloyds TSB PLC Moorgate London EC1V 4LE Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxx I am writing to ask you to refund to me the charges which you have levied from my account over the last 6 years I now understand that the regime of “fees” which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations. Your responsibilites I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. What I require I calculate that you have taken £1234 . My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment. If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully, Mrs V J Arda

This is the bit that I am really stuck on aswell, Ithought the spreadshett was for calculating interest when you make a claim via the court. I have been in overdraft for virtually the whole of 6 years. I have a lot of Overdraft Interest charges but thought I cou;dn't claim for these.