Hi I want to know if I have any claim ( like many other people ) with Lloyds Bank. Between 2004 and 2013 me and my wife were charged on our joint personal account £10,189.56p in fees made up from: - overdraft interest - overdraft excess fee - overdraft usage fee - unpaid direct debit and GOLD account charge. We did have o/d on the current account of £2700 but it was hard to keep it in check as the business we ran never performed well. We had several " relationship managers" over the years, they managed both the business account and personal account and on a few occasions we did express my alarm at the charges. Should I : Write to Lloyds and seek a refund Go to the FOC Take a legal route or Wait to see if there's further development in the High Court next year Marti.