One thing, it may be worth going to the press with this, the sun as recently as last wednesday i think, had a full page aritcle on bank charges, and they have had a lot of publiclity lately, i think what lloyds have done to your husband is disgraceful, espically at that time,

Now reparing to send the LBA which i will do before close of play today...

Recieved a standard reply back today, taken 4 days to get here though nice!. Basically saying sorry that i am not happy with the charges and that like any business they feel its fair to make charges because of the extra work involved (like saying no to another bank if theres not enough money in the account to cover a cheque? and all the work involved in the fully automated dd system yea right). says a few other things, finishes off with saying they cannt agree to refund the charges as they feel they are fair, and that if i am still not happy i should inform her and / or the financial ombusman. If i havent replied by September 9th 2006 then she will take it as closed. Her being Mandy Horton, Assistant manager

Hi Sent off intial letter last week 11.07.2006, (as below)