They tend to charge between £25 to £35 for the letters. All of which should form part of any claim for a refund.

The missing charges are for the letters they sent me telling me that I had exceeded my o/d limit. The more recent charges have been listed on seperate sheets, whereas copies of statements have been supplied for older details. BTW, the letter I sent (to the correspondance address supplied PO Box 139, B1 2AL), has been returned. 'Addressee gone away'! Another delay tactic!!!!!

Update #2 Predicatably enough, the SAR information was incomplete, even though it only just arrived within the 40 day time frame. The main itmes missing were the amounts I was charged for the letters Lloyds sent me informing me that I had exceeded my o/d limit. Therefore, I have sent them another letter requesting that details of all charges be forwarded within 7 days, along with the threat of reporting them to the information commissioner, as we are now beyond the initial 40 days period.

Update #1- Yesterday 13th July, I received a large brown envelope from Lloyds. A quick scan through the pages showed that some information was missing. The pages referring to more recent charges were minimal to say the least- I couldn't make out what the charges were for, and strangely, the charges for letters informing me that I had exceede my o/d limit were also missing. For older charges, all they sent me was copies of statements. I think it's time to write another letter and remind them that full details of all charges are required within the 40 day time limit (which is due to expire soon).

Greetings to you all! I posted my charges request letter on 12th June, and have not had a reply yet. From the experiences of others here, it's likely to be a long hard slog. But, I'm determined to see it through, will keep you posted.