Hi again, Once again, I've read through the threads but don't see anyone else with the same question. Like many other people, I recieved copies of statements from 17/03/00 - 19/09/01. From 19/09/01 - 10/04/06 I recieved 'statement entries' which just detailed any charges/fees that had been levied against my account. I have internet banking but am only able to look back until 07/03 so am unable to correctly fill in the spreadsheet kindly provided by Vampiress. I understand that I need to input what my account balance was at the time? Do I have to go back to Lloyds to request copy statements so that I can get this information? Many thanks in anticipation for your help. Feralkat

Hi there, Complete newbie on here, single mum determined to get back what the banks owe me but am struggling to understand about the interest - I HAVE read through the threads - honest!! I understand that the 8% is charged if you are successfull in your claim and relates to the actual amount - say £35:00 unpaid DD Charge. What I'm not sure about is Overdraft excess charges? These total £1,180 from 01/01/2001 - present. The other charges (unpaid DD/CHQ/SO) total £1,263 for the same period. Should I include these in my letter to the bank asking for repayment? (I haven't included any 'overdraft interest' charges - just the overdraft excess charges) Also, not related to this particular thread - but some clever person can probably help -please?? I sent my DPA letter to Lloyds on 26th April and received details of charges today ....... I also received information on 'customer notes' - these being very difficult to understand abbreviations - do these relate to charges already notified (IE Unpaid DD's etc) or further charges? I'm sorry if this isn't very clear, it is all very confusing!! Would really appreciate your help - Thank you!!! Here's hoping for success!!!!!! Kat