I am about to send my initial letter to Lloyds asking them for my money back, I got the template from the Bank Template Library. It says they have 14 days to come back to me if not I will send another letter giving them 14 more days in which to respond to me before I take action (or words to those effects). I also noticed another letter in the same Library which just says you have 14 days notice otherwise I will start a claim against you for money plus interest, plus costs etc. Which letter do I need to use as both of them have pretty much the same text up until the last paragraph. Any direction would be appreciated. Thanks

Cheers PJ, It makes a difference with my claim unfortunately for the worst if your correct re the overdraft interest, which if I am honest I was thinking would be the case. But you can hope can't you. I will send my claim through for the amount charged then excluding the O/D interest. Is your £448 made up purely of excessive charges and no O/D interest at all, if so what do you put for the bit in the letter that says "I calculate that you have taken £ plus £ which .... Still confused, I have £550 in charges so do I just put the £550 in excessive overdraft charges and that's it. What amount needs to go in the first bit that says "I calculate that you have taken £", surely if there is no interest added in either then the amount is just £550. Am I right or am I just confusing the matter unnecessarily. Cheers Badgerboy

Hi, Can I claim overdraft interest as well as excessive overdraft charges?? I am getting confused, can I only claim the overdraft interest when I have paid an excessive fee or can I claim any overdraft interest. This reason I ask is when I was £900 overdrawn I was paying anything between £20 - £30 overdraft interest but wasn't always incurring and excessive overdraft charge. This makes quite a difference to the amount I will be claiming. I have looked in the FAQ's and the library but cannot see this anywhere. The template letter requesting charges to be repaid states : What I require I calculate that you have taken £ plus £ which you have charged me in overdraft interest for the sum which you have taken. Total £ Is this referring to the 8% you can claim back of them or is this any overdraft interest you have paid ever. Any help would be appreciated.

Rude and iliterate, that's a good combination. I think you meant to write Bankchargeshell not cahrges. I am going now and will of course let you know how I get on with my claim. Let bygones be bygones, I have.

You could always get rid of that big ego of yours and try helping people alittle more rather than being so condescending all the time. We are all in the same boat, just looking for some friendly advice as to how and what we can claim back from our banks. I appreciate your comments but do actually quite like the site, it is only your tone I do not.

I appreciate it may well have done Mr Bankfodder but as the site isn't the easiest to surf and locate relevant information I thought I would merely ask the question. Thanks for the direction.

Just wanted to know what charges I can try to claim back, I know Unpaid DD charges and excessive Overdraft charges can be but can overdraft interest charges be claimed also or not?? Sorry if this is in the Library but I trawled through it and couldn't see it anywhere. Also when sending my letter off do I need to highlight the charges for both accounts I am claiming for seperately or do I lump them together??

I looked in the FAQ as directed but there isn't a copy of a letter to send to ascertain my charges for the past six years. No problems I will devise one myself.

Will do thanks

Hi, I am new to the site and wondered if there is a template for the initial letter you send to the bank asking what charges you have incurred over the last six years. Also the address you mail it to. Any assistance would be much appreciated. Thanks