Well well i couldn't have belived it since 2002 my younger brother who is not good with money came to me for help regarding bank charges and since 2002 till present lloydstsb have charged him nearley £3800 on overdraft charges interest and failed direct debits. Well i think i will be following the guides on the net to get this recovered. The banks are here to make our lives hell and as a result he is so unwell with worrying. Time to go after lloydstsb.