This is the storyso far..
I've sent off the Preliminary letter and schedule of charges and received a standard letter saying they will respond within 14 days.
14 days have past and I have now received another letter from the Customer Service Recovery Centre Andover.
This letter basicly says how Lloyds view the charges to be fair and they will not agree to cancel the charges and if they do not hear from me by May 24th my file will be closed.
I imagine they just trying to fob me off and this is an expected part of the process so would someone mind pointing me in t