Hi By the way, how many of us have a wee dram in our hands at this moment in time. LOL:)

Hi Bigmac oh really! but if it is unlawful we could claim for every charge that has been inflicted upon us. just to add, I would have felt reasonable happy with this decision by the OFT to take this matter to the high court for clarification, but it unsettles me that we have been told less that 24hrs before it actually goes ahead, it makes me feel that something underhand is afoot, whether that is this case or not i do not know, and the fact that you guys did not know of it is a bit unsettling (as I know you guys are on your game). Just thinking out load. Cheers Bigmac

Hi everyone Just thinking over today's announcement. Do you think it is likely that they will decide that, like credit cards they will set a charge of £12. If this is this case then surely, we could claim back charges for the life of our banks accounts instead of 5/6 years period, and they would have to give us it voluntarily instead of us having to go to court, FOS etc. Just wondering.

Hi Eileen Yes I did receive an offer from bank through FOS but without the interest, and I requested the interest. I did feel a little bit of regret, but i have to believe everything will work out alright in the end, I feel we have right on our side. I thought that money was gone, and I have not yet lost hope. lets keep fighting. Linda

Hi all Have you seen the news, and the above post. Well, this is a bolt out of the blue, there has been no hint of this happening and I find it highly suspicious. Linda

Hi all This is a bolt out of the blue, this has not been hinted at all, and I find it all highly suspicious. I guess we wait. Linda

Hi All I have received a reply from the FOS, it says this matter is now being passed to an adjudicator. Anyone out there able to shed some light on this, what is exactly is the script now. Linda

Hi I'm not sure I'll get the interest, but I have to try as it is a lot of money, and it may make us on this site understand what the FOS can do and what they can't. To be honest, I was thinking of taking just the charges refund as there is something important I wish to do with it and could do with the money now for that purpose, but in the end I thought it was important to hold them accountable for the interest on this money, so I'll have to employ more patience in awaiting their response, if I didn't ask I would always wonder whether I would have got it. Linda

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Hi Everyone I have today recieved a letter from the FOS stating that the bank will settle my claim BUT minus the interest, at £1000 odd, well I'm not having that, have winged at letter back to the FOS asking for the interest and not accepting their final offer. Anything else I could do, please advise. Linda

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Hi Bigmac Ohhhhh.. I hate it when your right! LOL! Just venting some frustration, I can see the winning post. Your right, so far the FOS have been really good, and the girl did say the minute they get anything from the bank, they don't sit on it, they send us details immediately. So I guess it's just a waiting game.... not very good at waiting! Linda

Hi all I have today phoned the FOS regarding my claim to find out whether Lloyds have replied to their last letter, they haven't. I then asked if the FOS put a limit on when the should reply by, and was told no, not really. So now I'm fuming, still dragging their heels. I am considering phoning the bank and complaining, but unsure which number to phone - Andover? or whether to phone at all. Any advice welcome. Linda

Hi BigMac Thanks for your words of encouragement. My philosophy in life is treat people the way you want to be treated, and if they dont reciprocate - stuff them..... No more Miss Nice Girl! Linda

Hi Kenny I think I understand where you are coming from, this would be great in an ideal world, where institutions have morals and values, but this is not the case. Don't you think at some point while accruing these charges people have not tried to appeal to their banks to be reasonable through these difficult times, it more often than not did not work, I find it funny that we now have to try to be reasonable to the bank in the one case where we get to hold them accountable for their actions. We have afforded them the chance to be reasonable, with prelim letter and LBA's but they still refuse to relent and fight all the way. I have let the FOS know, that the bank did not listen to my appeals for help and infact offered me a loan to pay off my bank charges (some of which were accrued because I could not work due to a debilitating illness), these approaches from me and their offers of loans should be on my files that the bank have and should be forwarded to the FOS, if in an ideal world the bank would let them have them, but that would mean that they could be fully investigated, so they wont be reasonable! With no disrepect intended your post seems a bit naive. Linda