Good news! Well my wife's case with LTSB was in the pipeline when all this came about. They had decided to settle out of court and we were worried that this news would affect their word, but good news!...We've just checked her account RIGHT now and guess what, they have refunded her ALL the charges plus court fees! So, Don't Panic my friend - Keep on Keeping on!

Thanks, that's encouraging

Thanks A 'million'.

Sent LLoyds prem letter and After saying we are sorry, you can check your credit at anytime to know if you are going to be overdrawn etc etc, they then state the following: 'You've mentioned the new guidelines from the Office of Fair Trading on credit card default charges. We don't agree with the OFT's thinking on this and we're still talking it through with them. But the important point is that the guidelines only concern 'default' charges. The fees we charge for going over an overdraft limit and for returned payments are not any kind of default penalty. They are fixed standard prices for the service we provide in these situations. So according to our legal experts, the OFT's guidelines on credit card default charges do not in any way apply. I hope you can see tht we make our charging system as fair as possible - andy why I cannot agree to cancel your charges. This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the FOmb. Serv. If you decide to pursue your complaint through the FOS you must do so within 6 months from the date of this letter...' Well, what do I do next, I think sending them the LBA today itself Has anyone received the above letter or is it their new response?