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Good morning.
As per the title of this thread, I am currently in the process of litigation against Lloyds Bank for the recovery of bank imposed charges which I deem to be excessive, unfair and disproportionate, not to mention the charges were incurred as a result of bank imposed charges.
So far, it's been standard proceedings, Lloyds Bank have been nothing more than obstructive, their defence is a generic template which doesn't address any of the issues raised in my extended particulars of claim, furthermore their defence was signed on behalf of "SCM solicitors", which is strange when they have just been outed for being a scam.
Lloyds had the cheek to apply to have my claim stuck out, which a hearing was set, however a few days before they cancelled this application (surprise surprise).
Their defence is aimed at two points, firstly their charges are set out in the terms and conditions, therefore they're right and everybody else is wrong, and that the Supreme Court case in 2009 ruled in their favour. I always thought the supreme court case simply ruled that the OFT could not launch an investigation into the fairness of bank charges under the Unfair Terms in Consumer Contracts Regulations 1999.
Anyways, we've had our most recent directions from the court, with a hearing date set in December, and we now are required to disclose documents in which we intend to rely, and issue a witness statement.
I'm unsure of what to do next and how to draft the above documents.
Any help would be gratefully appreciated.
As per the title of this thread, I am currently in the process of litigation against Lloyds Bank for the recovery of bank imposed charges which I deem to be excessive, unfair and disproportionate, not to mention the charges were incurred as a result of bank imposed charges.
So far, it's been standard proceedings, Lloyds Bank have been nothing more than obstructive, their defence is a generic template which doesn't address any of the issues raised in my extended particulars of claim, furthermore their defence was signed on behalf of "SCM solicitors", which is strange when they have just been outed for being a scam.
Lloyds had the cheek to apply to have my claim stuck out, which a hearing was set, however a few days before they cancelled this application (surprise surprise).
Their defence is aimed at two points, firstly their charges are set out in the terms and conditions, therefore they're right and everybody else is wrong, and that the Supreme Court case in 2009 ruled in their favour. I always thought the supreme court case simply ruled that the OFT could not launch an investigation into the fairness of bank charges under the Unfair Terms in Consumer Contracts Regulations 1999.
Anyways, we've had our most recent directions from the court, with a hearing date set in December, and we now are required to disclose documents in which we intend to rely, and issue a witness statement.
I'm unsure of what to do next and how to draft the above documents.
Any help would be gratefully appreciated.
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