Forgive my ignorance - it's the 125 Colmore Row address isn't it... Doh! Pete

The problem is now sorted, thanks for your help. A final question - what address does everyone use for Lloyds for the purpose of submitting claims? Thanks. Pete

Thanks for that. Pete

Does the lack of any reply mean that everyone is a puzzled as I am?? Pete

Probably a silly question but..... I've just completed my "Moneyclaim" claim and submitted it online. There appears to be no mention of what to do about paying the fee to actually issue the thing. The case is saved in my list of claims with the "Claim" column saying "Continue"; if I click continue it simply takes me back to my claim, if I trhen click "Submit" the page simply says "Done" and I go around in circles. Help... what do I do now? Thanks in advance. Pete

Many thanks for the quick reply. The claim will go in tomorrow. Thanks again, and sorry for the double posting earlier. Pete

Sorry for the lack of posting. A series of serious domestic and family crises cropped up that took priority. All sorted now (until the next one! ) The upshot of it all is that I have not yet started a claim against LTSB. Because of the delay do I need to start the whole process off again or can I simply press on and issue a case in the Small Claims Court? Pete

Sorry for the lack of posting. A series of serious domestic and family crises cropped up that took priority. All sorted now (until the next one! ) The upshot of it all is that I have not yet started a claim against LTSB. Because of the delay do I need to start the whole process off again or can I simply press on and issue a case in the Small Claims Court? Pete

Actually, I think I will wait for the 14 days. There may well be some more bank charges that I can add onto the claim by then Pete

Decisions, decisions!!! I'm inclined to wait for the full 14 days if only to show that I've kept to my side of the deal....... but I'm not sure. Pete

Satndard response to my LBA received today dated 28th June and signed by Jamie O'Neill, Accounts manager at the Customer care Recovery Centre. Usual things..... sorry you're not happy........ little I can add to our previous letter...... this is the banks final response..... speak to Financial Ombudsman if not happy, etc. Six days to go before I can start Court Proceedings!! ..... or should I start proceedings immediately as they have now made a 'final response'?? Pete

LBA sent today, 21st June. The clock is ticking! Pete

No problem Adamski, glad it's useful info. Pete

Hi I thought this might be of interest to the group... if not then just ignore me! On 9th June I sent an SAR letter to Lloyds TSB at 25 Gresham street. By yesterday I'd had no acknowledgement so I rang Roy Sams at Lloyds Compliance unit. He was a little p****d off and wanted to know how I got his number but that's by-the-by. He said he would chase the request. Today I received a copy of a letter I'd already received from David Just which is obviously not what I wanted so I've just called Roy Sams back. After a bit of a conversation he said that there is "some confusion" in this area as "we are receiving quite a lot of these requests"!! Anyway, he said he'd make further enquiries and call me back; he's just done so and told me that he's spoken to the copy statement unit and because of the huge volume of these requests now thay are no longer sending out acknowledgements. They have apparently logged my request as of today and I'm told I can expect a turnaround time of about two weeks. Looks like they're getting a bit snowed under! Pete

Right, the 14 days has expired today and nothing further has been received. It's time for the LBA! I will write it today and post it this afternoon. Pete

Thanks for the encouraging replies. I'm looking forward to what will be the first of many claims. How amazing is this site and the work its mods do! 5% of each successful claim will be on its way here. Pete

Right. Hi everyone and here we go! I sent the opening letter to LTSB on 6th June requesting repayment of £2671.64 in fees and charges. I received my "standard" reply from David Just today (13th june). It's the usual standard letter I think but here are three salient paragraphs: "You incurred charges because you did not ensure funds were available in your account to cover the payments set up by you. It is your responsibility to operate your account within any agreed limits and within the terms and conditions. You accepted these terms when you opened your account and when you agreed your overdraft. We did not agree to pay your account in excess of the amount agreed without charges being made. Accordingly I am unable to agree with your request to refund the charges. We do expect your account to be run in line with the terms and conditions of its operation. This means that you must ensure that cleared funds are deposited into the account the working day before any payments are due. If you do not feel you will be able to run your account in accordance with the terms and conditions, we may have to consider withdrawing certain facilities, such as any debit cards, overdrafts and chequebooks. Alternatively you may wish to consider alternative banking arrangements." I take it there's nothing new there and I should wait for the requisite 14 days before sending the next letter? Or should I do anything else? I already have "parachute" accounts set up with other banks just in case. I feel nervous but excited about this now. Pete