Ok Thanks Hope mine is similar for £1400 1 more thing how do i work out interest and do i have to claim back interest? Doubt it will be much

Well Done! How much did you claim And how lond did it take from submitting MCOL

Ok so realitically i should have my money back in 4-6 weeks so long as i follow the step by step guide to filling in MCOL? Also whats the FEE

Ok thanks - how long should it take fron sub,itting MCOL? Realistically? Also how do i work out interest? Doubt it will b much on £1400

Hi I got a Letter last night from Lloyds Not sure if its standard Saying that the charges are not a penalty but a service charge? What do i do from here and do other peeps letters say that?. Should i just do MCOL? I dont see any reason in sendin letter 2 as i have waited 8 weeks for a proper response

Thanks again yes ive been reading through the site for a few weeks its justs the codes that throw me off guard MCOL etc etc!! Just to re-itterate MCOL is what i need to do to get my hard earned cash back!!?? Im on there now registerd and ready to go!

Thanks for response, Is there any way they will settle before making a court claim and what is mcol? how does it work? Because they had told me there are looking into it would making a court claim jepordise my chances?

Hi Im new to the site and un-sure what to do. I got my statments from LLoyds 2 months ago and to my horror OVER THE YEARS i have been charged £1400 for goin over my overdraft. I sent them a letter which i got from another site basically asking for it back and i had no responsefor 3 weeks so i wrote them a complaint letter and re-attached the original. Two weeks later i had a response " sorry to hear of you complaint" bla bla bla uwe will look into this and you will hear from us shortly. A week later they sent the same standard letter then last week they sent me a paying in book. Today i got a letter because im still OD Not by much but threatening to take ME Court! for like £100 of charges i owe but no mention of my letter to them! What do i do next? also how do i work out interest owed. PLEASE PLEASE HELP!