Hi Gary I though from reading loads of other threads that I ought to do two seperate claims. Although it would be loads easier to do one (less time, less money, less effort, and less worry!) Presumably I just amend the paragraph in the Prelimary Approach for Repayment letter that refers to my claim. So it now reads something along the lines of: "I am claiming for over charges on account XXXXXXXX and account XXXXXXXX that total £1XXX. I am including the schedules of charges for which I am claiming...etc etc..." I can hide the columns on the spreadsheets so this wont effect me. Thanks for your wise words, hopefully I am slowly getting it all together. Nick

Thanks for you input. I am sending off my claim today by recorded delivery. I am not including any interest as yet, just the total amount of the charges which in total comes to about £1700 for two seperate claims (two accounts!). When I include the schedule of charges do I need to include the columns that calculate the interest or will this just confuse Lloyds as to what I am actally asking for? Nick

Ahhh I see! A crossed wire no doubt. Would leaving the interest out of the claim make them think I don't know what I'm doing?

I am confused. The Preliminary Approach for Repayment letter states the following: "...What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . I enclose a schedule of the charges which I am claiming with this letter..." I presume from this I should include the total amount of charges plus the interest these incurred. I have used Vampiress' spreadsheet to calculate the interest. However, some more advise from the forum says DO NOT include the interest in the claim. Include it later! Do I fill in the XXX out areas that refer to the interest or not? Please help!

Ta!

Hi again! I have two accounts with Lloyds both of which have occurred unlawful charges. I want to claim on both accounts. Obviously I need to make two seperate claims. Can someone tell me if I should make both claims at the same time or wait untill one claim has come to a conclusion? Which way is best and why?

Hi Thanks for the information. I presume the same is true for Standing Orders? All I have to do now is find out what the charge for a returned DD and unpaid SO is... Thanks for your help. Nick

Hi, Well, on my Statement it says Returned Direct Debit £128. I presume that this, just for example, is made up of £100 for the direct debit and £28 for the charge for returning the debit. Of course if this is not the case then I'll add the £128 to total of charges. Is this any help?

Hi People, I wrote to Lloyds requesting all of the information they hold about me and enclosed my £10 fee. They came back to me before the 40 day deadline. I now need some help on how to interpret the information in the package. I have some entries which fall as charges for returned Direct Debits and unpaid Standing Orders. Some of these are for as much as £128. Can I claim the whole charge or do I need to claim a portion (i.e. the charge element)? I understand the other entries and have disected my statements to divide up the charges it's just the DD and SO charges I can't fathom... Can someone shed some light on this? Thanks