Lloyds filed defence

Katuska

Dear All,

Well,my case got to the stage where Lloyds filed a defence.
I haven't received the defence papers yet, so i don't know their reasons but I've got a few questions:

1. I'm not sure whether Lloyds customers are allowed to claim back account charges (£7 a month); I know other banks provide exactly the same service as Lloyds for no fees at all. When I filed my claim I got conflicting advice on whether to claim these fees or not, so I decided to add them to my charge list.
Was this a mistake?

2. I received a partial payment of £715 from Lloyds as their 'goodwill gesture'. I declined the 'generous' offer (altogether I'm claiming around £2100) but the person from the HQ said it was OK,they wouldn't take the money back; if I won the total amount they would just deduct the £715 from the payout.
So on my court claim I was still claiming the full amount.

Now I saw that Lloyds is defending the whole amount and it made me wonder whether the reasons above were prompting them to defend. Or is it just one of their tactics?
I already let the court know about the £715 partial payment and they noted it on my file.


Bit confused,any advice would be welcome.

Thanks.