it looks like there is ongoing concern with loyds and there outrageous bank charges i'm on income support and being on a low income means i need every penny to support my family not pay it out in charges and then get charged again because they're trying to take money out of my account that's not there, are loyds that thick that they cant tell that money isn't there also they take there charges leaving me with not enough money to pay dd's so i get charged for that as well £30 a time. it is costing me a small fortune just to have a bank account so i will take your advice and change banks, also ive tried getting charges back that ive paid and they refused however if you challenge the charges before they are taken out chances are they can stop them they have the power.