over the last 4yrs iv been charged well over £500 in charges by the lloyds.I havnt sent for my past statments i just went ahead with the letter before action for the sum of £480. I have recived a standard reply saying that when i have gone over my overdraft limit or had a dd returned it means extra work and the bank beleve the charge to be fair! £30 a bloody time. so what now? how do I take a court action against them? do I need a lloyds main address? anyone give me advise cheers:)

After sending my letter to nationwide giving them 14 days to refund me with £560 I got a reply saying they will pay me £110 that will reduce my charges to the £8 each charge they also refused to pay any intrest as they said they didnt have too. Is this it now? do i have to accept there £110 as the only amount ill get? would love to here from someone who knows the ins and outs as im confused now:confused:

Hi people a bit about my problem. I had a dispute over an £80 bill with my credit card so i stopped paying the £5 a month and the nationwide charged me £20 a month. I would then make a couple of payments to keep them off my back, now even though iv paid £100ss on this bill they still want £450!!! Its all charges i have 3 other credit cards and iv never missed a payment with them so i want to know how i start in getting my money back off nationwide and the debt wiped? Im not very good on the p.c iv tryed to download a few documents but pc.says no!!! Can anyone start me off on what i need to do? I need help soon as nationwide got a collection agent on my case now!!!!