Quick One Story; £2500 worth of Bank Charges taken between 2007 and 2011. Want to reclaim based upon financial hardship. Was with Lloyds TSB. Left before the split. Been told account was moved to TSB, but Lloyds banking group as an entity imposed the charges. Who is responsible for a refund now?

the other day a bailiff attended my home and had a warrant for my partner for a parking ticket at a cost of over £700. The bailiff clamped the car and went away. we phoned the bailiff later around 3pm that afternoon to tell him that the t7 and t9 forms was in place. I phoned him at about 6.30pm and asked him to remove the clamp and he refused saying the clamp would stay on the car over the weekend. He then turned up about a hour later to find the car and his clamp had gone:!:. Today we got a letter from Newlyn Plc saying that "we have removed your vehicle for non payment of a road traffic contravention" your vehicle will be sold\scrapped at auction in 7 days from the date of this letter unless you pay the sum of £1,465.85 plus storage. in the same envelope there was another letter saying "our records show that the debt has not been paid and furthermore, that the wheelclamp has been forcibly removed without permission. It is therefore our intention to increase the balance of your debt by £250 to cover the cost of the loss of our property, and the criminal claim we intend to start against you In order to avoid further bailiff action and to obtain a speedy settlement of this matter, we are prepared to accept payment of the outstanding balance of £1465.85" I phoned up Newlyn and asked if they had the car in a compound and they said "No" and that we cut the clamp off. I said that it wasn't me or my partner that cut the clamp off. I then asked how their fees have gone from £700 to £1465.85 if they didn't have the car in a compound. I said that this is not correct, and further more is "a act of deception" as they knowingly know that that car was never removed. The woman on the phone said that its the bailiffs fault as he told them to charge the fees. I said that the letter are from Newlyn and that the request for the money is from them and this maybe a criminal act asking for money that is not to the fee scale I checked the certificate bailiff register and the bailiff is listed to work for JBW Group Ltd and NOT newlyn. this may well be that the site is not up to date but might well be correct. his bail bond is only got another 6 months to go. I want to know what I can do I know I can file a Form 4 about the bailiff but what can I do about Newlyn act in trying to charge fees that did not happen and the letters saying that they had the car when the didn't.

i have sent an email to speedcredit asking them who owes my debt and why if i am going to pay cash into a bank account they want me to pay it into a toothfairy account i also stated that these 2 companies were not supposed to have anything to do with each other this is the message i had back from mh Thank you for your email dated 05.09.12 Thank you for your message passed to us from Toothfairy Finance regarding your Speed Credit loan. Toothfairy is affiliated with us and they take payments on our behalf thats why you see in your bank statement Toothfairy Finance as the company that took the money but this money has gone to your Speed Credit file and we are now the company collecting on their behalf. Please remember that Speed Credit deposited £400 into your bank account as per the contract. Your original loan was for 14- 28 days ONLY. You currently owe £1885 and you will incur another interest charge on the 21.09.12. Please confirm when you will be making a payment? Yours Faithfully sharon leaver Door Collections Marshall Hoares Bailiffs Telephone: 0843 381 1111 it has taken them 5 days to come up with this reply