I have a legal document which gives me authority to deal with any and all of my disabled son's financial affairs.
Lloyds TSB denied having seen the document but I have proof they knew about it following an unrelated incident some years earlier.
Without my knowledge or permisson they mis-sold my son various insurances, let him overdraw his account and lent him THREE loans. The second loan to pay off the first and the third loan to pay off the second.
In all, they are charging him a monthly fee for the privilege of having overdraft, charges for unauthorised overdraft, charges