Lloyds really seem to be making a hash of this case. 

You will recall that HBOS  banking employees engaged in systematic fraud against its customers including Noel Edmonds. HBOS has since been taken over by Lloyds.  

The employees in question have all gone to prison but still it seems no settlement has been made.  

Now Lloyds has seen fit to ask the original claimants to prove how they were defrauded. What, they have still  not worked this out? 

Apart from garnering dreadful PR what purpose does this serve? And surely it is incumbent on Lloyds to work out how the fraud was perpetrated.  

All a bit odd if you ask me.