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Hi Gary, Claim underway: Claim number: 7QZ37421 Issued: 21st Mar 07 Court: MCOL Charges: £ 3,275.00 Intr at 8% : £ 522.48 Costs: £ 120.00 Total Claim: £ 3,917.48 Notice from Northampton CC 2nd Aprl that Lloyds has acknowledged claim and has 28 days to file a Defence. My Bank account has been hit by fraudulant activity - @ £ 300 taken - seems to be happening a lot in Northampton. Lloyds said they would reimburse immediately - that was a week and a half ago. - When chased they said oops we'll do it now - that was yesterday - still nothing. If OK will keep you posted with details of Defence as and when received. Cheers for now.

I'll just claim the O/DRAFT EXCESS FEE's @ £ 4.5k as I may not be so lucky. Really appreciate the input though.

That's great - thank you, I'll start the work..

Great thank you. I have the 6 years to go back and wanted to get it right. Any thoughts on Q2 - would it be wise to start another account?

Hi Consumer Action Group! 2 questions if I may. Q1 Lloyds suggested I have 2 accounts and I regulary get charged the following every month on both: O/DRAFT INTEREST £ 54 O/DRAFT EXCESS FEE £ 90 ACCOUNT CHARGE £ 15 The £ 15 seems fair but am I right in thinking the others are just a rip-off? I so how much should I allow when I go back and add up what they should have charged? Q2 Should I get another bank account before starting action (are Lloyds one of the banks that normally kicks you out when you Claim against them?) Your advice would be greatly appreciated.