help i sent the standard prelim template letter with a schedule of all charges and received a letter back saying basically go away we are not paying now what should i do?

Help, i sent the prelim template letter for current account bank charges along witha schedule of my bank charges and i got a similar letter from Lloyds is says the following: Thank you for getting in touch with us. I am sorry that you are unhappy about your account charges. Like any business we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment this always means extra work and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft or tell cust2omers we can't agree it. We feel it's fair to charge for this service. Of course it's only too fair too that wea re completely open about any charged for services before you take them up. That is why we take care to give every new customer the latest guide to our charges. you can also get up to date details about fees and borrowing rates at all of our branches through our helpline and or our website. Just as importantly we do everything we can to help our customers avoid these charges altogether. I am sure you will know how easy it is to keep running a check (SHE GOES ON ON ON AND ON ABOUT PHONE BANK, INTERNET BANKING AND TELEPHONE BANKING AS WELL AS USING CASH MACHINE STO CHECK YOUR BALANCE AND THEN EXTENDING YOUR OVERDRAFT). You have mentioned the new guidleines from the office of fair trading on creidt card default charges. We do not agree with OFT's thinking on this and we are still talking it through with them. But important point is that the guidelines are about default charges that people pay when they break an agreement with us. the fees we charge for dealing with your request to go over your agreed overdraft limit are not default charges because you have not broken your agreement. They are our prices for the service we provide in these situations. I do hope that you can see that we make our charging system as fair as possible and why i cannot agree to cancel you charges. Please let me know if there is anything else i can do if we cannot come to an agreed solution after this i will help you refer your complaint to the financial ombudsman service for independent advice. If you are happy with the way i have dealt with your complaint there is no need to reply to my letter. If i have not heard back from you by the 07/03/2007, i will close my file though i will be happy to reopen it should you come back at any point afterwards. Debbie Gilbert. What should i do now??????????