In January i had a £300 pound overdraft with lloyds, but at the end of January a had a letter saying that as i had not replied to a leter(not recieved) lloyds had removed it. Since then i Have had the bog standard letter saying that i had not broken any agreements with them, etc using this letter against them can i argue that in this case they should not have removed my overdraft? I have tried several times to get it reinstated, through several ways but have been told that there is a message on my account blocking any lending or borrowing for a minimum of 6 months

Hi BANKFODDER, I have just read your lloyds defences article and was fascinated as I have a letter from them using that strategy, unfortunately i think i only started going overdrawn after startig work, but what the hell, i have written back asking for all my bankstatements today. This article was exciting , informative, a huge boost in my confidence where reclaiming was concerned. I only hope thousands more people read it and feel the same way. I have one question though, and this came to after reading another thread about other banks using this strategy, is that when they refute your claim at the second letter do ypu think that they are likely tp respond quicker and more positively if you tell them that they are concealing? as well as going to small claims.?

Hi as you can see by my name I have 4 children I am currently in the process of claiming charges back from lloyds, have recieved some statements back, and am about to ask for more. Ijoined CAG because I had already joinedupto moneysaving expert siteand in the vast majority of success stories Cag was halied as the driving force behind them. I have vigorously encouraged two brothers to reclaim and now my teenage daughter ,all of whom are in the process of doing so. but as yet have had no success,(still in early stages)