you've got balls. fair play let them have it

On first glance yes, but how much are they for? are they automated? do they require a certain amount of manual intervention? read the FAQ and you won't go far wrong.

let us know how it goes. good luck.

Sarah, You can try phoning and getting the last few charges returned but don't hold your breath, and whilst it's not going to be easy best to be humble, (just to get the last lot back) Once you've done that, you need to let them know who's calling the shots. Write a Data Protection Act letter (use the template) and sit back and wait for your statements, then you can work out how much they have taken from you. In the meantime, i would strongly advice you to open another account, at the very least it will stop them taking any more of your money.

It might be worth checking with your bank to see if they will allow you to bank a cheque thats in joint names.

Welcome. Send it to your local branch for the attention of the manager. Good luck.

Well you've come to the right place. Read the FAQ and take it from there, first thing you need to do is work out how much the robbing gits have taken from you. It is also worth opening another account. Best of luck, it takes a while with Lloyds, they like to drag it out but you will get your money.

If you contact the bank and tell them the money was taken by a direct debit you didn't set up they should, put the money back in your account. As far as i know they have to take your word for it and it's down to the gas company to prove otherwise.

or just change it to "have a contract with the defendant bank, which is conducted on their standard terms and conditions" also save on a few words and you'll need all the space you can get.

As is HSBC bog basic account

Got no answers to any of your questions, but i'm looking for a small car, pm me the details. At least you'll have some money for it.

Yes thats the address i've got for Future and the only address i was ever given for them, what i'd like to find out is if they still manage loans on behalf of Future.

Ok done some digging and this is what I've found. The address i had for Future was in Skipton, this turns out to be the address of a third party management company called HML. HML managed Futures loans, and sent out letter in Futures name with their address, to all intends and purposes anyone having a loan with them had no reason not to know that the address in Skipton was not that of Future Mortgages. I paid up the loan in January and HML where still managing the loan then, I've been able to find out that Future signed a 3 year deal with HML back in 2003, so the administration of loan may now have moved in house. So this is now my position. I have always used the address in Skipton to communication about my loan with Future. I have always believed that the address was for Future. All letters from that address have been on Futures letterheads. My Data Protection Act request and 2 lba letters were sent to this address and i got a reply (at no time did they say this is the wrong address, administration of this account is now dealt with by.....which leads me to believe that they still administer loans for Future) Letters from their complaints/investigation department have a different address, the Sunderland one, however i was not told to write to this address and not the Skipton one i was using, so i assumed this was just the address of their complaints department. So whilst they statement they sent to the court that the Skipton address "is not and never has been a trading address of future" may be true it is very misleading and gives the impression that the address has nothing to do with future. I still intend to go to the hearing but do i tell the court what i have found out or just give them the letters i have from future with the Skipton address on and say this is the address i've always used and as far i always knew was the address for future mortgages. (I've also got the letters from them acknowledging my complaint.)

Thanks for the advise, much appreciated. I'll do some digging and let you know what i've got.

you need to work out the daily rate (8% divided by 365) then multiply that by the number of days since the charge was taken. and yes in some cases it's a lot, now think about how much interest they have added, on an overdraft with a rate of 17.9% that a lot of interest they have added to your charge.

I'll try and keep this short. Got a judgement against future mortgages. Sent in Data Protection Act, got statements back. Sent both letters got 2 back both saying sod off. After getting the judgement i phoned future to ask when they would be paying since i wasn't about to wait, and they said give us a couple of days and the legal department will phone you. Legal department did phone and informed me they would not be paying since they intended to apply to have the judgement set aside, i ask why and they said because they hadn't received the claim. Today (or yesterday just noticed the time) i got a letter from the court saying a date had been set for the appeal hearing, and they also sent me a copy of futures appeal. The appeal is on the basis that they didn't receive the claim, blah, blah, and they then say, and this is the fib "we do not and have never traded from (the address i used)." However i have a letter from them on their letter headed paper, and in the top right hand corner under their name is the address that they claim to have never traded from. So not only did i write to Future at this address 3 times and each time get a reply but i have letters from them with this address on it. Now i'm going to object to having the judgement set aside but any suggestions on the wording and is it better to go in person or just write.

As far as the banks go your right, unless they are certain of winning they won't allow a case to go ahead, if things are bad now to lose such a case would be unthinkable. In the scheme of things the amount of claims going ahead are a drop in the ocean, there are how many million's of banks accounts? at the moment there are a few thousand cases, even if it's as much as 5'000, thats nothing compared to what losing a case like this could bring. The banks are more worried about the cost of going to court, then not going to court. I don;t know who is bringing the case, but i bet it's not being pushed forward by the banks.

Are we sure that the possible test case is going to be heard at a mercantile court? I can't see any reason, why such a case would result in other cases being stayed or that the outcome of such a case would have any bearing on other claims. Can someone correct me.

It would also seem (correct me if i'm wrong) that no other claims can be stayed until this claim has been accepted by the mercantile court.

This would be very handy to have.

Jifjaf has stated that he/she intends to appeal against the stay, so at least until his/her appeal has been heard then it's business as usual.

I wouldn't have, once you get an offer, you can mention that there are other charges that have been added and inorder to avoid future claims they should refund these as well, chances are they will. but having said that by the time they acknowledge and submit their defence you would have received the extra charges, so hard for them to complain.

Does it take to get a court date? My allocation questionaire needed to be returned on 29th May and since then i've not heard anything. How long have others waited?

Write to them thanking them for the part payment of your claim, and inform them of the remaining amount required to settle the claim. You don't need to inform the court at this stage that you have received a part payment.

You can claim for all those charges plus those for exceeding your overdraft. As far as overdraft interest you can claim some of it, since some of it will have been applied to the charges. e.g. overdraft is £100, of which £30 is a charge. Interest is £10, however if they hadn't applied the charge the interest would have been £7, so you can claim back the £3.00. Hope that helps.