Dear All,I have been logged into this site for about 2hrs now and I am absolutely amazed at what you have all achieved,well done! I am hoping to be able to have some of your success.I have banked with LTSB for about 10yrs and have always felt that they have had the upper hand.I have 3 accounts with them and have always had large overdrafts,in one month they charged me over £400 in returned dd and other "charges" which meant that they bounced my mortgage payment which they then charged me another £35 for! The ultimate worry came when they sent one of the 3 accounts to "central collections" and the first I new about it was a phone call one evening from a call centre asking me to repay £2500 in full! I agreed a repayment plan with them only to find that the next month there were more charges on that account,I repaid £50 to be charged £70.I have tried to make contact on numerous occasions with my branch to be told that I must deal with central collections only.The next worrying thing is that they have told me that the rest of my accounts will also go to central collections and they will "consider" me for a loan to cover the overdraft amounts! Please help me! Where do I start with my claim for charges? I have read the FAQ's and if I'm right my 1st port of call is to fill in the "subject access request letter" and send it to : Attention of data controller LLoyds TSB bank PLC 25 Gresham St London EC2V 7HN Then do I continue to proceed with my case in the small claims when I know the total amount,What is the total amount? (How do I find that out?) This is all new to me and I am a little weary of taking on the big boys. Many thanks!!