I've just added up the charges for my accounts and I'm shocked that they all come from one account. The total for the period from November 9th 2005 to present is £405 which makes my mind boggle! Just for reference I'll be sending a letter to customer services to complain that no department deals with charges, I spent the best part of an hour being shuttled between the same two departments when I wanted to delay a charge coming out of my account to avoid an overdraft charge.

The latest up-date is that I will be sending the data protection act release request letter (from the templates section) off by recorded delivery on 31/01/2007. I decided that I wanted to know exactly what LTSB have been up to with my account as I have now had two customer services operatives tell me that I cannot do something on my account due to a “flag up” on my account details. So even though I have all my statements for both accounts I shall hopefully getting the whole lot from LTSB anyway. I will be actively looking for a parachute account in case the proverbial hits the fan. Will post more info as it happens.

Many thanks Barty. I had a look at the interest and you're right it is quite complex, so I'll leave that I think! I'll now work out which of my two Lloyds TSB accounts has had the most charges and use that as a kind of test case, if I succeed I'll try the other one as well. Will up-date here as things happen.

Hello Everyone I have spent a couple of days looking around the site and I’m now beginning to collect information to start my case against Lloyds TSB. I have a couple of questions, I’d be grateful if anyone can help out: I’ve printed off my statements back to June 2002 from Lloyd’s internet banking site, but I’ve noticed at the top it states “The personal data on this statement was correct at the time of printing. This statement is not an official Bank copy”. Should I request copies from my branch or will these suffice? The charges I wish to dispute are: £30 for any amount over my agreed overdraft limit and £35 for returned direct debits, standing orders, cheques etc. Most of what I’ve read on the site seems to relate to overdraft charges (I may just be foolishly misinterpreting though!), do people recommend going after both of these charges or just the overdraft excess fees? Many thanks for any help you can give.

Hello all. Just popped in to introduce myself. I'm researching the idea of taking a claim against Lloyds TSB who have charged me £30 for going £1.62 over my over draft limit; and have been doing similar for over five years. Upon asking a "customer service" agent how Lloyds TSB calculate that it costs them £30 for me to go £1.62 overdrawn they happily informed me they don't know and to contact my branch. Also there is no way of talking to anyone about charges unless you want to contest them, I spent a morning going round and round between two departments who both refered me to each other. The FAQs section is very helpful, looks like this site will come in very useful.