I did all the right things with Lloyds TSB. Sent letters etc, then the final one threatening court action. I gave them 2 weeks to respond. They didnt, so after about 3 weeks, I went to the court and began proceeding:D. Before the summons had been issued they paid £725 into my bank account without any consultation. I wrote to them again and informed them that this was not satisfactory and if they paid the other £176 I would cancel the proceedings. They didn't, so the summons was served on them on 3rd of March. I am just waiting now to see what happens next. Thanks for all the help I got from this site.

I have just received this list of charges made to me by my bank, Lloyds TSB over the last 6 years. In total, the sum of over £800. I was going to apply for them to be repaid, but reading other peoples replies from said bank, is it worth it? How do you deal with their claim?