Very sorry to bump myself but could I seek some advice from one of the experts & experienced members of the Forum here please? I've been treading water for too long with LloydsTSB and I'm very close to ending up in Davy Jones' Locker. I'm particularly peeved (being polite there) with my Loan situation . Hope to hear from you soon. Many thanks in advance. Best Wishes PaddedCell

Thanks for your reply firebreather, much appreciated. I'll send my SAR to the Gresham Street address. Sorry to appear desperate everyone but does anyone have any thoughts on my other questions? Hope to hear from you soon. Best Wishes paddedcell

Hi everyone First off I'd like to say what a great site this is! Some fantastic advice on here. It's inspired me to take on the big boys ! I've been a 'victim' (rather than customer) of Lloyds TSB for some 13 years now. Not really sure why it's taken me so long to get so angry? My financial situation just seems to have got worse & worse over those years, with absoutely no help from my bank. Infact I'd go so far as to say that they are the main reason why I'm in such a bad situation now. Anyway, I'll be sending my S.A.R - (Subject Access Request) letter shortly (will the 25 Gresham Street, London, address be okay?) but before I do do you mind if I ask a few very quick (and probably stupid) questions? 1 - will my attempts to reclaim rip-off fees affect my chances with an IVA? 2 - are IVA's good or bad? I also have a big problem with a Loan I have with the Bank. My gripe is that they appear to be charging me £75 a month more than the 'standard'. I filled out a dummy application online, whilst not logged in, for £14k over 5 years (as per my original arrangement) and it'd be £270 - I'm paying £345. Of course they have the old 'based on individual circumstances' rubbish. My point is, knowing my circumstances as they did/do how can they justify charging me that much more? Surely it's not helping my ability to pay? Which leads me on to... 3 - could I include my rip-off loan repayment amount in my claim or as part of my 'case'? Sorry for so many intro questions. Hope I don't get off on the wrong foot . Many thanks in advance for your help. Best Wishes paddedcell