Hi, I'm new to this site but just wanted to share my LLoyds bank good news story, sent initial letter in march requesting full refund of £840, got standard reply within 14 days - usual stuff, charges fair, read the small print etc etc, replied with more info and advising was starting court pproceedings and at end of april recevied letter confirming full refund would be given before i had even filed claim, money now credited to my account and buring ahole in my pocket! So everyone, don't give up and maybe you'll even get as lucky as me!