Just give them a total, don't worry about listing each charge they know what they are. However you state the the charges exceed £6'500, if you bring a claim (which is more than likely) then the amount will exceed the £5'000 limit for small claims. You are best spiltting the claim now, so that it's under £5'000, ask for the first amount once thats settled ask for the rest.

Yes they will charge you at both ends so you have to claim the charges back from both companies. There is a template letter in the library, use this and change it as you need to. As far as sending them a copy of the statements with the charges highlighted, you don't need to, they applied the charges so they are well aware of when and how much has been charged. If it makes you feel better then list them on a seperate sheet and send it with your letter. good luck

Don't ring them, wait for the defence then spend some time putting your arguements togeather. It won't be long before they send an offer letter, and at this point you can outline your case and tell them what to do with their offer, unless of course they offer to settle for the full amount without conditions first time round.

It not easy. you just need to keep reading it over and over and trimming a little each time without changing the meaning. you could change "Lloyds TSB Bank PLC" to "Lloyds Bank" You don't need to include "I therefore claim a total of £801.99 (£670 + £131.99 interest)" since these amount are already on there and will be given as a total on the form already. instead of writing "charges on the two accounts " you could just write "charges on the accounts". and if your really pushed for space, instead of claiming "£131.99" why not claim "£132" i'm sure they won't argue over a penny hope this helps.

They're not disputing the amount of charges just the interest that was added to the charges, they are claiming i can't claim it back and i've had two offers from them, both offers are for the same amount (charges plus court costs plus 8% interest only) I've told them no, and since they said the last offer was their final one, looks like i might see them in court.

The date for return of your allocation quetionaire is not your court date. Once you have returned your allocation questionaire you will then be set a court date. and no you don't have to pay any more money after the return of your allocation questionaire.

can i do anything about them lying? I thought they weren't allowed to

read the FAQ, it contains all your answers.

I received a letter from Martineau Johnson Lloyds solicitors, and as part of their offer and in order to get me to settle for less, they were good enough to point out to me that my claim should not include the interest that Lloyds have applied to the charges, and further more the courts would not allow me to claim interest on interest. Now as far as i'm concerned a £30.00 charge applied in 2000, is unlawful and the interest that Lloyds have added to my account because of that charge (approx. £67.00) is also unlawful, so therefore i am entitled to claim 8% interest on both the charge and the interest. As far as i can see they are lying to me in order to get me to reduce my claim, is this allowed?

Just send the £10 and add it to your claim, i started by not sending any payment but it's not worth it in the long run.

oh dear they seem a bit ****ed. If you have details of the charges, and have already sent the prelim letter then after waiting the 14 days send your LBA. Be interesting to see what they have to say once you get round to issuing your claim.

They should consider themselves lucky you didn't add the 8% interest, do not let them off the rest of the money. It may be worth phoning Charles Bacon, his number is about somewhere, he won;t answer but leave a message telling him you have only received part payment and you will infom the court the case has not been settled and that you still intend to continue the claim. Whatever you do don't let them off the rest of the money, do you think for 1 minute if the boot was on the other foot they would let you off?

If i was you i'd try and get upto date with the loan, if you can't manage this then try to get to a position where the arrears are the same as the charges you are claiming. So if you're claiming £110.00 then try to reduce your arrears to this amount or less, you can then argue that the arrears are in part due to the charges.

What part of the allocation questionaire are you having trouble with?

2 points here 1. Do you want an account with a bank that has charged you £8'000 for doing nothing. 2. You will get back all your money. (I doubt very much that the average win is £50, sounds like a nice bit of spin from the bank, and fair play to them it nearly put you off) Good luck,

The unfair terms in consumer contracts regs 1999, allow a consumer to seek an injunction preventing the use of an unfair term. So can we apply for an injunction against our banks preventing them from applying penalty charges?

I've booked the day off tomorrow to go and file my injunction preventing Nationwide from closing my account. Now i'm ok on the reason for the injuction, but i'm having trouble with the wording of it, so any help would be gratefully recieved.

I was thinking the very same thing the other day. What about the stress and worry caused by a bank chasing you for a £3'000 overdraft when they have applied £4'000 of charges, telling your kids they have to go without because the bank has taken another £250 of charges this month, the arguements with your other half because the bank has left you unable to pay the bills, the list goes on. Your right they have a lot to answer for, how can you even begin to put a price on what they have done.

Your interest is taken into account when calculating the cost of your claim, so if adding the 8% interest takes you over £5'000, you'll have to pay £250 to money claim instead of £120. This maybe what the man at the court meant.

I think if you make 2 claims one for the amount above £12.00 and then another for the amount below, you are adding weight the their arguement, that the amount below is some how different. Rather than make your 2nd claim easier i'd say it would make it harder, the bank could say you split your claim because you knew the amount below £12.00, was fair and reasonable, and if you thought otherwise why not cliam the whole amount as one.

Not sure if you can claim compensation for the loss of your business, but i'd think that a good starting point would be to work out how much you have lost by selling it.

I had a letter from Lloyds Assest card yesterday, which stated they were dropping their charges to £12.00, but they also said they didn't agree with the OFT report and as such wouldn't be refunding any money for previous charges.

If they send in their defence, you should get your allocation questionaire just before you go on holiday, so with any luck you'll be able to get it off to the court in time. If not it may be worth having a word with your local court nearer the time.

Yes with great fanfare the credit card companies do us all a favour and reduce their charges, to a very competative £12.00 and in doing so they hope everyone will just go away, and pay the charges like good boys and girls. Your right, this changes nothing, £12.00 os no more fair and reasonable than £20.00.

but they won't tell us why they are closing accounts, I was told we don't need to tell you, we can close your account and if we give you 30 days then we are in line with the banking code, which made me sleep easier. edit: thanks for the advise BF i'll keep you all upto date on whats happening.