As we all know the bank sends u a letter saying you've gone overdrawn without authorisation and unfortunately we've had to charge u 30quid for this... My questions are (a) do they keep a copy of Every letter sent to you (b) if yes, can these also be requested and © although i hate it, on-line banking seems convenient. I've signed up for a username and password (after years of neglect on my account), do they keep a record of ALL statements on their database, (d) how does one highlight the penalty charges on their statements, i.e. how do you know it's a penalty charge, will it say'£30 pentaly charge' or something else oh and i'm also going to be doing this procedure for a friend. he wants to claim back about 10-15years worth of bank charges, he's a business account holder with several banks. Will the procedure be the same for each account as it is for my personal account or do their differ in some manner? Oh and also if he gets his thousands of pounds back in bank charges, i'm getting his R6 bike for free :> lol so yeah, some minor information would be nice please. Thanks Usman

what abot if u got a parking ticket, outside a shop, but it had expired by 13mins by the time u got to the car and u had gotten a ticket?

thanks guys, i'm not in a major hurry to get my bank charges back anyway. From n ow until mid may i will be reading through threads getting to know their practices in detail prior to launching a claim against return of charges. I don't want o be left on this £18 ceiling charge, so will be pursuing this with perseverance diligently... will bookmark this thad, thanks of rthe tips dudes(or dudettes lol)

I've been charged £105 for the month between 10th march and 10th april 2007. 70 unpaid direct debit CHARGES and another 35 for unpaid standing order. I remember a letter which said the maximum they will chgarge me is £90per month... this is obv over the threshhold. i'm gong to reclaim my bank charges with immediate effect. monday morning i'm storming into my bank and requesting all my bank statements reprints for the last 6yrs (when i hit 18 was 6yrs ago, so it's okay) . i feel i'll get around 500quid back in bank charges, i can't bloody wait! ok so i first accumulate the charges into a lump sum send them a letter requesting it back they refuse i proceed with litigations they sh!t it and give me my bank charges back. is it as simple as that? i hear the letter templates are all on this website... guidance anyone pls?

41 in a 30 for me will i be looking 3 points or 6? and how big is my fine going to be?`

I'm in the same boat; former student with low qualifications and income. I've been hit pretty hard with bank charges over the last 4-5yrs. I've had my account with Lloyds TSB since i was 13, since i being 18yr+ i've been hit at times when my financial worrys have been at the highest. i'm in need of guidance... HELP!!!