Many thanks have been away for a few days so apologise for not replying sooner

Hi Louis Many thanks for that. Have thought long and hard before even getting this far and am dreading the next step which I why I started the thread. I will look at all the information you have given me. It is much appreciated Marnie

Hi all. I am at the stage now where despite threatening court action, LloydsTSB have ignored my letters. I sent the original letter on 26 March, which I received the standard letter stating that their charges were right. I sent another on 11 April repeating my request for reimbursment of £5.037. I gave them 14 days to reply. Heard nothing. I sent my final letter on 30 April giving them 7 further days to respond or I would take them to court. Still nothing. Where do I go from here. I have been following the daily mails advice but find it a bit complicated on the going to court part. It states that I should add 8% interest plus costs. How do I work that out. Also if I claim just my £5000 back I can go to the small claims court but if I'm claiming interest on top of that does it mean I have to go to the next court. Many thanks Marnie

Hi I have read the above and wonder if anyone can give me some advice. LloydsTSB owe us £5.037 in bank charges since Nov 02. Have sent letters on 26 Mar, 11 Apr and the final one threatening court action on 30 Apr, giving them 7 days. Having heard nothing can you advise what to do next. Many thanks Marnie