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Donick v Lloyds


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My statements have just arrived this morning, good timing as I was going to print off my online ones today. I have added up my charges and I am now ready for the fob offs etc. Just one question though, my hubby and I have a joint account so in communication with Lloyds do I have to get him to sign it as well or is it ok for just me to deal with it all?

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Another question, on my statements they sent me it lists my charges and also what they have charged me in overdraft interest. Do I put this interest on my summary of charges? I know not to add the 8% till the end. Sorry to sound so stupid :rolleyes:

TIA

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