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Hello Everyone


Starting to claim against Lloyds today. They have sent me my statements and I am a little confused as to whether I can claim for everything they have sent me, which includes:


overdraft interest

overdraft usage fees

overdraft excess fees

unpaid dd


Also, I would like to request statements from opening the account in 1992. Is there a special letter to do this or can I use the same one as I sent originally but just change the date?


Finally, considering I have started this already, should I claim beyond 6 years as a separate claim or add it on to this one?


Excellent site...thanks for making all of this info available.



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Hi Claire, Claim all of them except overdraft interest. Hope all goes well for you. ;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI


LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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  • 3 weeks later...

Thanks for your information...I am a little confused and don't want to get this wrong and end up losing out!


On the preliminary request it says:


I calculate that you have taken £ 2,083 plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX .

What is the £xxx interest...is that the calculation in the final column of the bankchargescalculator spreadsheet? and do i claim this now or later?

appreciate your help with this.

looks like i'm owed over £2000.



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The plus £xxxx is if you are claiming o/d interest, if you are not claiming it then you need to remove that part. Some parts of the o/d interest are claimable, but it is complicated to work out which parts and most people don't bother claiming it.

The 8% statuory interest is not to be out on your Prelim or LBA, this is only used when you file your Court claim.


Good luck, let us know how you get on.


I WON!!!! :D :D :D




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