OK well im 21, i banked with Lloyds for just over a year. Everything was fine until i cashed a cheque. They managed to loose the cheque without telling me and susbquantly charged me £235 in charges for a number of rejected direct debits and bounced cheques. A couple of companies then additionally charged me for sending bounced cheques also, which left me financially struck for a couple of months. Lloyds tried to cover up there mistake and refused to wave the charges. to which i closed my account, in September 2006. Is there anyway i can now claim for the charges even though my account has been closed for so long? grr i hate this company so much! Please share ur views!