Hi SadleBurner, I also have a Gold account wiht Lloyds and was wondering if we are able to claim back the £8 per month charge we get for when we go under £2000 in credit, YES thats correct for those non Lloyds gold acount holders, you get charged if you have less that than £2000 in CREDIT in the account! I have only a few charges for being overdrawn, but I have loads of £8 charges as I regularly go below the £2000 CREDIT threshold. Can anyone say if anyone has successfully claimed back these charges? The bank does offer some things in return, i.e. free AA membership, free travel insurance etc which I do use, but is the £8 per month a fair charge? Someones help please would be greatly appreciated as I have spent the last hour searching this forum and can't find it anywhere.