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desperate50

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  1. Thanks for the reply Gary H, I already have the N1 you mentioned. Now all I have to do is fill in the forms and wait and see
  2. Following a refusal by Lloyds TSB to refund my total charges, I am now considering court action. However I am unclear as exactly who I take this action against, would it be the head office of the bank itself, or my local branch? I have no complaint against them, just the 'system'. Any advice would be welcome
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