Cheers kfdh1962. Can I just ask - for the claims that have been settled, have they closed your accounts?

In regards to my original post, thank you to everyone for the words of encouragement. ;-) Must say after my recent experience with the idiots at my branch in Fenchurch Street, that I still feel 50/50 about starting this all up again. Previously my letters where in regards to poor customer service and lack of assistance offered, after I was made redundant. After 15 letters and discussions with 9 different members of LLoyds, I was fobbed off so many times that I couldn't be bothered in wasting anymore time. BUT after stumbling accross this forum and reading of other peoples determination, I now feel that I should try a new approach and just ask for MY £2250 back. Must admit that I dont look forward to the idea of going to court, but......well here goes. Just a quick question - should I address my 1st letter direct to my branch manager or just a generic Lloyds customer service address?

..................in regards to re-claiming charges. Unfortunately Lloyds would appear to be one of the worst for contesting claims. My own experience started back on the 14/10/05, when I raised a number of issues, including the justification of exhorbitant charges, with my 'Privledge Manager (thats a joke). I never actually made a claim though. In short, after numerous telephone calls, letters & faxes I was told..............'sorry no one has taken ownership of your concerns to date, BUT please see the enclosed leaflet blah blah blah'. In the end I couldn't be bothered in dealing with a total bunch of incompetents, and didn't have time to go to the Financial Omsbudman. BUT a week ago I came accross this website and now feel like hitting Lloyds where it hurts. Is it worth all the hassle ????????? :-|