Question: Who hates Lloyds TSB? I have had charges for not paying charges and they never informed me. Scumbags.? 

Answer: I would write to the bank asking for a full breakdown of their charges and for them to explain how they can justify charges on charges. These charges are not legal, they are a fine, not the true cost of bouncing a cheque.Make it known that you will claim through the small claims court. In the meantime find another bank, because in their spite, they will close your account.
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