Hi!!! Ok well Lloyds haven't been bothered to reply to my LBA letter so now i need some help!!!!!!!!! I need to start court proceedings but frankly it really confuses me!! i don't really understand what a pro forma text is and why i need it?!!!! i know this probably sounds very daft to people but i'm not very clued up you see. So i know i need to issue a court claim on the website but thats when i start to get confused. Do i need to add certain tempaltes to it when i go online to do it as that is what is says on the step by step guide??? Thank you!!!!!!!!!!!!!!!!!!!!!!! :confused:

Hi Gary! Well i'm in the middle of asking for my charges back from LSTB!! And i just wanted some help really! I've sent my LBA letter to them about 2 wks ago, and guess what............I've not had a reply!!! Now i need to now what to do next. Could you help and advise me in the right direction?!!!!!!!! Thanks Alison

Thank you so much!! Well i've been on holiday for a while and they still haven't even replied to the LBA letter!!!! How bad is that?!!! so now i suppose it's court action here i come!! if anyone has any advice to give me now i would appreciate it so much! Thank you

Thanks for your help guys, really appreciate it! I'm just wondering the 1st letter i sent to lloyds that my friend gave was different to the one on this website. wil this make a difference to the next letter that i send to lloyds?! Sounds silly i know but i just want to make sure before i the next letter that you suggested. Their reply to me was that they feel their charges are fair!!! Which i feel is totally a way to et out of it. Thanks

Hi, This is my first time on here, my friend was previously helping me out with sending a letter to lloyds reagrding their bank charges and requesting a refund of mine, total of £3385!!!! Today i received a letter back from them explaining how they feel there is nothing wrong with their bank charges and they won't refund them back to myself. I now need some advice on what letter to send to them now, as i'm completely stuck and am in some urgent need of help!!!! Help Me, Help Me!!!!!