Hi, I have just received a response from Lloyds Bank to my bank charges reclaim letter. Their letter states that I am not receiving my claim as my charges were charges for "extra services" and they feel it is fair to make these charges as it "causes them extra work". They also claim that they are completely open about their charges to new customers by giving them a guide to their charges. The letter goes on and on about only applying to credit card charges and that the guidelines are about "default charges" that people pay when they have broken their agreement and that I have not broken my agreement with them. My charges are for unauthorised borrowing, unpaid direct debits etc.! They finish off by stating that they cannot agree to cancel my charges and that they will put me in touch with the Financial Ombudsman if I do not agree.

 

Could somebody please advise on my next move..... Help!

 

Many thanks to everybody for the information on this site!

that sounds exactly like the reply I received from lloyds today, so its probably a standard response.