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Had response from David Just stating Bank had dealt with account within the law and that this was his final statement on the matter, so I have filed a claim today for Court, little bit nervous but hopefully won't come to that. Will keep you updated. Dean

Right had this response today suggestions please on how to respond would be greatly appreciated Thanks Dean Dear Mr Williams Thank you for your e-mail dated 12 April 2006. Unfortunately I am unable to add any further information to my letter dated 11 April 2006 and I am only able to refer you back to the terms and conditions of your account, although I do respect your opinion about our charges. This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue

Thanks for that Moderator and Alan have just sent letter before action to David Just. I will keep you informed of developments. Thanks Dean

Just got this repsonse QUOTE Re: Account Charges for Overdraft Excesses and Returned Items Thank you for taking the time to contact us about your account. I understand that · You feel that the charges you have incurred are unlawful. You are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items. You have requested that all charges incurred should be refunded for the past 6 years. When you become a customer, we give you details of any charges for the day to day running of your account. Details of

Just had this email QUOTE Re: Account Charges for Overdraft Excesses and Returned Items Thank you for taking the time to contact us about your account. I understand that · You feel that the charges you have incurred are unlawful. You are unhappy with the amount of charges you have incurred as a result of being overdrawn and from returned items. You have requested that all charges incurred should be refunded for the past 6 years. When you become a customer, we give you details of any charges for the day to day running of your account. Det

Request was calaculated using information from the last 6 years statements, for excess overdraft fees, returned direct debits and unpaid cheques etc. Will ley you all know what happens gave them 14 days to reply.

Just sent off email asking for refund of charges over last 6 months only £302.00 but all helps will tell you what happens.

Hi had this reply to DPA request how long should I wait before issuing reminder thanks Thank you for the e-mail. I acknowledge your request for copies of statements/transactions of your account since March 2001. Under the circumstances, your e-mail has been passed on to the Manager of the Complaints Unit within Service Recovery and I have asked that he notes your requests and responds to you at the earliest opportunity. Regards Keith Boden Lloyds TSB - Service Recovery Birmingham sent it on the 13th March

sorry im useless at this sort of thing just realised my mistake can the moderator delete or move my question to general forum thanks

ne1 had ne experience of not paying for charges related to unpaid parking tickets am currently paying four tickes off at £30 each plus additional £60 per ticket for not paying straight away can i apply the same logic/ stautes to unreasonalbe bank charges here ne advice appreciated cheers dean

Hi everyone just got this site info from martin lewis site and have just emailed lloyds with the dpa request will keep you posted dean