Hello! Just a note regarding a point in the last post, which was good information by the way, is that some companies such as play.com, hmv.com are based offshore and do sell goods to uk residents without paying VAT. That is why they are based there, to avoid the tax, thus making prices cheaper... I think I am going to look to take lloyds on, by writing to their uk address, via the uk small claims court. Let u know how it goes, when I manage to do it!! In the meantime, if anybody has any further info, please tell!!

Hi Guys, I live in the UK now, and have just had my final response (3rd and final) letter from Lloyds TSB in Isle of Man, basically giving me the fob off. I'm not to sure how to proceed with courts etc, does anyone know what to do?