Of that I am aware. I'm just going to ask for it nevertheless. See what they say.

Lol.....I also got the £10.00 worth of statements from the Copy Centre. All of a year and a half of it.. it was pathetic. I received all my statements way before, just by asking my branch to call the copy centre and request them.

Thanks for the response reload. Decided not to claim for the loan.. went for all charges plus overdraft interest (£1700). Prelim was sent Saturday 9th September (recorded) they must have got it Monday 11th and I had a reply today (Tuesday 12th) with the " How sorry they are that i'm unhappy" and the "Voicing my concerns" leaflet. Nice turnaround. So on the 26th LBA goes off.

I will be claiming my Charges (£854.50) + OverDraft Interest (£874.80) only. Prelim being sent tomorrow, recorded delivery. Where is everyone sending their Prelim's please. Ta. AshleyBurr.com

Thats the one..Lloyds TSB Plc will be fine Welcome to the party!

I am in Hastings, East Sussex.

Congratulations Yyates... well done for sticking to your guns.

I suppose my question is; Will Lloyds defend and actually go to court if your claim seems unreasonable. I am looking to claim back, my charges (bounced D/D, O/D Excess Fees (£840 so far)) and the interest they charged me on my overdraft (£900 ish) and the consolidation loan of £1500. Adds up to a fair bit. Whats everyones thoughts on this? I am unsure on how to prove that the charges they made took me overdrawn.. as I have been overdrawn pretty much for 6 whole years I have had my lloyds account for 9 years now...

Good Luck!

Read the FAQ's thoroughly. Proceed as it says in the FAQ's. These are proven to work.. and stick to your deadlines. Oooooh and Good Luck!

I would go for : [email protected]

I have also been charged nearly £900 in Over Draft Interest. Has anyone sought re-payment for this and succeeded? Also a consolidation loan of £1500 was advised by Lloyds. This was to reduce my monthly charges I was receiving (which I paid off early) Can I get these charges back? or If I am not allowed them back, and claim for them nevertheless, will the bank just offer a settlement THEY think I am owed? Or will they just follow it through the courts and battle with me 'til the death Ill ask about "contractual interest" as soon as I know what i'm claiming for... Thanks to all for your help.

Received 14 more statements in the post (Friday 25th August at 8:00am). Totalling 30 dating from 17th October 2001 to 4th August 2006. Charges totalling £824.00 (excluding the addition of the 8% APR column on the standard Excel spreadsheet :? ) have been levied on my account. Just need statements dating back to August 2000 now. So we wait...

Good Luck

What do you do if they do not turn up within the 40 day deadline?

Good Luck

Thanks for your speedy response feralkat. Much appreciated. Also, when you received your statements, was it all in one big letter/parcel.. or did you receive 30 different letters all in chronological order. I only ask as I'm thinking I may have to hassel lloyds for the bits they miss out. Thanks for your time.

Good Luck Lucy. I am also at the Collections Department....I have been there for about 4 months now. Watching your post with interest.

Mr posty came this morning and dropped 16 letters on my mat from lloyds. (Thursday 24th August 8:07am) Statements dating from 01 Aug 2001 - July 2006 (missing out half of 2005 and all of 2004) Maybe I will get some more tomorrow. I'll keep you all posted. Also, can anyone tell me if Lloyds HAVE supplied 6 years worth of statement history. I spoke to somebody at Lloyds today who said they only KEEP 5 YEARS of transaction history in their archives. Thanks again to you all.

Called my local branch to chase up my request for my Bank Statements for the last 6 years. (22nd August 2006 at 15:35pm) (its been 10 days now and my cheque has NOT been cashed) Spoke to a very helpful lady who called Birmingham to see how my application was going. She said she could not get confirmation Birmingham was processing my request as they are very, VERY busy. However, she did personally request my statements for me and said they will be delivered in 4 working days. Wahoo... So, I should have them by Wednesday 30th August.

If I was earning 100k, I probably wouldnt have any fines.. just lovely interest..

And now we paying for more housing for the immigrants... Super!

Just wondering if anyone is aware of the legality of verbal contracts. My example; I have been with Vodafone for 5 years, on contract. About 1 year ago I was offered an upgrade on my handset. I took the opportunity and received my new phone. My circumstances in the last 6 months have changed somewhat and I couldnt pay my bill for a while. So I said I would like to CANCEL MY CONTRACT. Voda said I could not and when accepting my new handset, had accepted an 18 month new contract, which expires April 2007. I was unaware of this and now they are asking me for £450 (which includes an early termination fee). When I first joined Voda, I went into a shop and physically signed a contract for 1 year. So my question is this: Are they legally entitled to keep me in contract, even though I have not signed anything for 4 years? Or, what steps can I take to end my contract? ( I have recently agreed to pay them in installments for the balance minus the cancellation fee of £325.00, but they say I will still have to keep my contract til April 2007. Thanks in advance.

14:03h 17 August 2006 Hello MR BURR Thanks for taking the time to apply. Sorry to disappoint you, but we can't open this account for you. Whenever we consider new applications we use a process called 'credit scoring', a commonly used method for banks to assess new applications. From the information you gave us on your application form, you didn't meet our criteria for this account. We may have also used information from our credit reference agency, Experian. But don't worry - that doesn't necessarily mean you've got a bad credit rating. You may find it helpful to contact the credit reference agency we used to help us reach our decision. They will be able to provide you with a copy of your credit report. The quickest and easiest way to do this is by telephone or online: On line (24hours, 7 days a week) Credit Reports: Get your Credit Report from Experian UK - £2.00 By phone (24 hours 7 days a week) 0870 241 6212 - £2.50 However, you're still able to obtain a copy of your report by post by sending a cheque for £2.00 to Experian Consumer Help Desk, Experian Ltd, PO Box 8000, Nottingham NG80 7WF. Remember to include your current and any previous address. Thank anyway Smile..

One word.. WOW! I have read this whole thread and am amazed. Thanks to EVERYONE for contributing. Specially Surly for being so damn proficient. I am currently in trouble with Voda and Lloyds but am now a lot more confident on how to tackle them both. Much Appreciated.