Hi all just thought i would post on here that i have sent off my first letter to Lloyds Tsb asking for all my statements (I moved house a so many times i dont have the statements going back 6 years) Sent on the 14th Dec 2006 Included my cheque for £10 and followed the advice and letter thats on this site. Vwcamper ps. Photoman told me about all this stuff a month ago i am now reading everything i can about it very very interesting.