Still aint got the hang of this site yet lolz Despite reading allot of it this only my 2nd time posting lol So sorry fa delay in replying Did reply but its gone somewhere else hehe Anyway Thanks allot for your help i now understand wot that interest is all about n i must av imagined i saw 8% in that template lol Thanks again much appreciated x

On re-reading the template letter i now understand what you mean That is refering to the interest they charged on the overdraft and not the 8% you include if it goes to court Thankyou dont think i'll waist any more time trying to work that out It's taken me long enough just going through 11 years of statements and listing all penalty charges One more Question What address do i send my LBA letter too As the address i received 2 replies from was: Lloyds TSB Bank Plc Customer Service, Recovery Centre, Charlton Place, Andover, Hampshire, SP10 1RE Do i send my LBA to that address or another does anyone know please ??

In the LBA Template letter it says to include the 8% interest Yet in all other instructions it says not to include the 8% interest untill the next stage ie If it goes to court. So could you please clarify if i include the 8% interest amount in my LBA letter but not in the scheduel of charges i attatch Please ???

I am up to the point of sending the 2nd letter to Loyds Got back the standard letters stating the charges are for extra services provided when customers dont have enough money in there accounts to cover payments blah blah lol Anywayz am a bit confused as to which letter to send now As ive found 2 The 1st gives Lloyds 14 to respond the 2nd 7 days to respond before i take court action Does anyone know Which one i should send? Also ive only made a claim for the past 6 years But have since found Statements and Letters back as far as 1996 When i 1st opend my account with them Durring the first few years they were seriously punishing me in Charges They would charge me £10 for going £13 overdrawn and £27 for returning a cheque for £12 If i can make a 2nd claim for back then i could claim another £2,000 between 96 and 2001 Can i make 2 seperate claims? Ive got all the letters but not all the statements from back then Any assistance would be very appreciated as am struggling with the time periods of sending letters etc