what should I do next what are my chance's of winning.?

Question

I have taken Lloyds TSB plc to court after several letters to my bank claiming unfair bank charge's the Banks solitors have acknowledge ,have 28 days to defend all the costs against them what are my chances of winning should I continue and not back out and will I be hit with further cost's if I lose but can;t
see why I should lose.Please would be grateful for advice.

Answer 1

Ok, the situation here is that you WILL win, no one has lost a case so far against the bank (as long as the proper procedure was followed). You can claim the court costs back from the bank when you win.

Basically, when you make a claim to the court the following happens.

5 days after submitting the claim, the bank is served by the court.

They then have 14 days to respond, if they don't you win the case by default.

If they respond, then they have another 14 days to file a defence, which usually they won't do and again you will win by default. If they do, then they will back down close to the hearing date (as late as a few hours before hand). They will not turn up in court, as they can't justify their charges, and don't want the information made available to the public. Again you will win.

Don't back out, there is no need to, just stay calm and wait for the bank to back down!

More details about the above, and full step by step guides can be found at the site below which is free to use.

Answer 2

i help others around me reclaim bank charges. 7 people within the last 4 months. lowest amount was £1800 and the highest : £6100. if you have calculated the correct amount of unfair charges then you will recieve your money before it goes to court. This is simply because at the moment alot of people are not claiming charges back. once a bank goes to court and looses then this will open the flood gates even more. stand strong. But remember to be asking for the correct sum. you can actually ask for 8% interest per annum on each charge, but this means working out the exact amount for every single transaction. not 8% on the total.

any extra help wanted feel free to email me.

p.s. the 7 people i have helped, i have helped for free. otherwise i would be just as bad as the banks!!!

Answer 3

All very interesting and right too but have you not noticed the problems that people who do this are having with banks after they do this.......?

Answer 4

You really ought to be asking this of your solicitor, not the unknown faces here on Y!A. Only your solicitor has knowledge of your case and can advise you on it.