Thank you for that I have just sat reading some of the stuff, I am going to make sure i get back what they have overcharged and i am going to do it properley. Kind Regards Kerry Wallace:)

I have sent a letter to lloyds and the 40 days is nearly up and I have heard nothing. Surprise surprise, I have been in to my bank on numerous occassions and they have just expolited me. I remember one month when they changed to "Real time banking " and they paid everything twice then charged me for the privilige and the manager of my account refused to give me compensation, he shouted at me and i had my children with me I was so humiliated. I am up 2day on my accounts overdraft facilities and they have just sent me a Visa debit cheque card and i have been apparently with collections for the last 6 months !!!! They dont make sense. What do i do if they dont send me the requested information? Please help Thank you

Help my bank have just kept adding chage upon charge upon charge for i have sent the initial letter and had no reply what do i do now to enforce them to reply so i can reeclaim my charges? Please could someone help. Kind Regards Kerry Wallace.