Hardship Claim against LLoyds TSB

wonderstuff16

I started a complaint regarding 6 years of bank charges totalling £1914 and overdraft interest chgs of £1519. I made the claim on 9th Jan 12 under financial hardship. My main point being that my current overdraft of £2800 has spiralled out of control partly as a result of excessive chgs and interest. Charges on top of more chgs have made my situation worse.

I asked for a full refund plus interest. I have received on 18th Jan a credit of £300 direct into my bank account and a letter from Lloyds TSB expressing their concern and offering the refund of £300 being made up of charges and fees for the last six months. They have also agreed to waive all pending overdraft interest & usuage fees for the next two months. The letter does not say it is a final offer, but says if I remain unhappy with their offer, to contact the Financial Ombudsman Service.

Is this a fair offer or should I take my claim further? I feel an offer of £300 is a far cry from the £3500 ish worth of charges and interest I have incurred over the last 6 years.