Thanks Mindzai

I saw that preview, is this a new one or repeat of with Martin in it?

I am still bit confused, Lloyds are not threanening to close the acc., they are just demanding payment,should I write to Llyods or their solicitor & should I put both our names on the letter? Sorry for all the questions never done anything like this before. I have read lot of infdo & other peoples threads. I am angry that lloydstsb are treating me this way, I have bank with TSB for 40 odd years,

Thanks will check it out and let you know how I get on.

My daughter & I have a joint acc. with Lloyds, we have stopped using the acc but they still want charges from us, they keep added more every month.I wrote a letter saying the account was in dispute recieved no reply, so waited 14 days and wrote again request prevoius charges back,we both signed the letter. I did not mention the charges that they say we owe, should I have done?.I received the standard rely saying no way, it was only addressed to me. This week my daughter received a letter from Lloyds solicitors demanding full payment of charges in 7 days and saying if it was not paid they would take her to court. Also that they would give info to Experian & Equifax. In my next letter should I state that we are not going to pay what Lloyds are asking for and do I write to solicitor or head office? Please can anyone help.

Hi Last week I was looking at a list of the bank addresses, can't seem to it find now. I have read some addresses for Lloyds but don't know which one to send my prelim letter to as there are three different address around the country. Can any one help please.

I stopped all money going to my account because of charges, bank keeps send me letters saying I owe charges for return of direct debts. I want to claim charges from past returned dd's, should I pay the charges that are still owing before sending claim letter. Any help would be great.

Hi I would like to know why I am being charged for returned direct debts when the money was in my basic account on the same day as the DD's were taken out, this happened on the May bank holiday week-end. Can I stop Llyodstsb from taking the charges out of my account. The DD's where returned very early in the morning, surely if you get your money in before close of business you have not gone overdrawn.