Blast! Just missed the R4 talk and I always have the radio on but not this morning as I am just starting my prelim letter and have been trawling through all the posts and info to make sure I get it right! Anyway, absolutely brill site - will be starting my own thread as I know that I'm going to need some handholding on the way!

Congratulations to you - I really must get my act together this weekend and get started.

thanks for advice! Will sally forth and let you know what occurs!

Hi everybody. This is the absolute first time that I have ever joined in a forum so hope I get it right but I am so furious about Llloyds heavy handidness over the years and their exorbitant charges. I was finally driven to action by the success of the chap featured in The Mail this week who sent in the baliffs to his local bank - power to the people! Have found the info on this website really useful. Luckily I have all my statements but it has taken me two days of filing to sort them out and was stunned to see the amount I have put in the pockets of Lloyds. As I have nothing to lose by starting action, I am fired up and ready to go!