i got my charge details from online banking even though they only go back 5 years,so did not have to wait the forty days sent letter requesting they repay my charges, got a letter back from lloyds saying sorry to hear i had a complaint! so waited 14 days then sent another letter LBA,14 days now been and gone juct got the money together to do mcol, have i messed up with letting more than 14 days lapse?? if not what wording do you put on the claim form read that many i am confused. thanks for any help:confused:

hello,i got all my statements off the internet has i do online banking worked all my figures out ie,without interest and with interest using the online calculator, sent my request asking for charges to be repaid, recieved a letter from lloyds on the 13th day stating sorry to hear about my complaint!it wasm't a complaint it was a request. they needed 4-8 weeks to investigate.(don't think so) on the 14th day i wrote again telling them my intentions was to take them to court if i didn't get response within 14 days, today 23rd april 2007 the 14 days are up what is my next step????????? please help:!: