Well I shall wait and see what Lloyds TSB have to say when its in writing.
The lady from Lloyds TSB was actually quite nice and it was a pleasant change to speak to someone who didnt have an Indian accent and didnt make me feel like the criminal.
I'm not sure yet about taking it to the ICO, if Im happy with the above, then it will be over and done with as far as Im concerned. Talking with my daughter about it tonight then she agrees that its probably not worth putting it to ICO as it would only be more hastle to do so, and I wouldnt benefit from it, other than know they could get fined.
The slap on the wrists from the Financial Ombudsman and their suggestion of recompense, as long Lloyds TSB follow through with it and confirm that I wont be bothered again, suits me fine. I just want it to stop.