Hello everyone...after much dilly dallying I calculated my charges with lloyds £1445 its ridiculous, I have sent off the letter requesting a payback on the 9th of april and they sent me a letter dated the 19th april telling me the "charges were to cover extra work" and "customers are informed" blah blah blah; and the lousy people sent me another today dated 16th of april giving me a complaint number.