text: who hates lloyds tsb? i have had charges for not paying charges and they never informed me. scumbags.?   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.