Wow, speedy response! Thank you for the kind welcome, it's good to be here! Also thank you for the links, particuarly the last one, I shall peruse them in detail. I think then that I'll invest in a set of highlighter pens and put the kettle on

Hello all! I've been reading through all the posts on this forum and have decided to have a crack at reclaiming various overdraft charges (and perhaps interest if my brain can handle it) and late payment charges for my current account and credit cards. I have all my statements since day dot (minus a few that have escaped but I think the total will be sufficiently impressive without them!) and will be adding up how much I have been scammed out of over the weekend. However, one thing still niggles at me - Lloyds changed their o/d charging by dropping it to £12, I believe this figure was deemed acceptable by somebody, somewhere, although this is a fact I noticed only in passing before I seriously considered making my own claim. Should I be claiming for these charges as well or have they managed to cover their backs? Also, I seem to recall reading somewhere (again, there's a lot of info on these pages so I can't find the reference) that the 6 year limit is invalid now and that you can claim back as far as you like. Is this fact or fiction? Thanks for any help in advance and a merry Wednesday to all