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I have claimed agains these sods once already, but in the last year I have got another £280 on there, can I go again? If so what is the best approach. Matt

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Thanks fopr your help. I havwe one more question. I am drafting my LBA right now and I know I have two more charges that willbe added to my accountin the coming weeks. I am not sure of the exact dates and amounts but would like to make them aware of these now, just in case they offer me full settlement at this point (unlikely I know). Here is my letter(below), where would it be good to add this point. I am guessing in the paragraph that mentions values. perhaps something like. "I am also aware of further pending charges that are to be applied to my account over the next 2 months. I also request that these are not put on my account." What dio you think?? My request I am writing to ask you to refund to me the charges which you have levied from my account over the last 6 years. I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent consumer regulations. If you say that they are not, then will you please demonstrate this by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your penalties really do reflect your costs. Additionally, it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are therefore presumed to be unlawful in the absence of specific proof to the contrary. Your responsibilities I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have deceived me into agreeing to pay them. Your concealment of the true nature of your charges has prevented me from asserting my right until now. What I require I calculate that you have taken £XXX. I enclose a schedule of the charges which I am claiming with this letter My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment. If you do not respond, or you do not respond positively, within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that, there will be no further communication from me and I shall issue a claim at the expiry of the second deadline.

I have sent my prlem letter 2 weeks ago and have recieved this reply "Thanks for getting in touch with us. I m sorry you are unhappy about your account charges Like and business we do make charges for some of our extra services. When customers don’t have enough in their accounts to cover payment, this always means extra work – and it has to happen very quickly. We have to agree to make the payment by setting or increasing an overdraft, or tell customers we can’t agree it. We feel it’s fair to charge for this service. Of course it’s only fair too, that we’re completely open about any charges for services before you take them up. That’s why we provide customers with an up to date list of our charges. Just as importantly we do everything we can to help our customers avoid these charges altogether by providing an easy way of keeping a running check on account balances by phone, branch, ATM internet. You mentioned the new guidelines by the OFT on credit card default charges. We don’t agree with the OFT’s thinking on this and we are still talking it through with them. But the important point is that the guidelines are about default charges that people pay when they break and agreement with us. The fees we charge for dealing with you request to go over you agreed overdraft limit are not default charges because you haven’t broken your agreement. They are our prices for the service we provide in these situations I do hope you can that we make our charging system as fair as possible – and why I cant agree to cancel your charges Pleas let me know if there is anything else I can do. If we cannot come to an agreed solution after this I will help you refer your complaint to the financial ombudsmen service for independent advise. If you are happy with the way I have dealt with you complaint, there is no needed to reply to my letter. If I have not heard back form you by 03/04/2006 I will close my file. " I now want to send LBA letter, but need to add bits that refer to this letter saying soemthing like I am not haoppy with the letter you have sent me ansd wish to take you to court. etc etc Can anyone give me some ideas about what to write, or if anyone has recived the same letter can they tell me what they put in there own later. thanks in advance Matt

I recieved this today via email. Thank you for the e-mail, which has been passed to us by the On-line Helpdesk. I am writing to tell you that we've received your complaint and I am sorry to hear that you're unhappy over the charges you have incurred on your Lloyds TSB account. You have my assurance that we will investigate the concerns you have raised with us - this may take a little time, but I would expect our enquiries to be complete within the coming 2 weeks. We will then be able to respond in full to your complaint and at that stage, I hope, resolve matters between us. In case you haven't received a copy of our leaflet called 'How to voice your concerns' I've attached one to my e-mail. This tells you all you need to know about resolving your complaint with us.

Hi All I sent by email my letter on Sunday but have had no reposne as yet. I have also put it in the post, but I woud have atleast expected a response via email. did anyone get one? Or do they only deal in snail mail paper copies?

Just like to start by saying thanks to the people running this site. I have just sent of my prelem letter after trawlling through my bank statements on Lloyds useful statement search tool. I am claming circa £1200. I will keep you all posted on how I do and will no doubt have questions I hope people will be able to answer along the way. thanks Matt

I was defaulted by Allaince & Leicester about 2 years ago. In my haste when moving house I threw all the paper work away. How can I get my bank detalls from them and what differnce will it make that they defaulted me. Basically I have £400 overdraft, that I went over when dd's came out, then they kept charging me for 4 months for being overdrawn. I wasa bit silly and didint pay it back, then they defualted and closed my account. Please can someone advise.

I have a lot of charges both for returned direct debits and charges (usually £20) for going over drawn. Can I claim back these £20 fees, aswell. Matt