I recently had a look on my internet banking with lloyds and discovered i had been charged just over £900 in 3 years returned dd etc i sent them a letter requesting these back then after 3 weeks received a letter saying sorry your not happy why did nt you ask for your overdraft to be increased,the letter came from Andover i rang the number on the letter and asked for 6 years statements to be sent out which they said there would be no charge and would take 3 weeks.Have i messed up by not following the procedures you suggest its my own fault for not reading first HELP !!!!