Hi I've been dipping in and out of this site since Jan but still not finding my way round to the relevant forums! I have been trying to reclaim £1400 from Lloyds TSB with no luck so far. I got a repy to my final letter before action more or less saying on your bike! I'm very nervous about taking the next step to court action. so please let me know if you have any luck. Barclays payed out £600 after first letter!

Hi I'm also getting confused with the advice re. interest. I thought after reading all the advice a few months ago I understood the process. However after coming back to the site I find myself confused again! In my case I'm owed approx £1,500 from Lloyds TSB. I don't really understand the interest bit and I'm therefore inclinded to ignore it. BUT some threads say that if you don't include the calculated interset the banks will realise you're not an expert and therefore we easily reject the claim???? Is this true? PLEASE HELP!

Hi My first successful attempt to post a message! Very computer fobic so this site is going to take me some time to trawl round. Any tips will be very welcome. I've decided to tackle Lloyds TSB to recover bank charges in excess of £1,500 (not including the hidden cost I've incured since they persuaded me to take out a loan to 'help me out', but I guess thats another matter!).