Packaged Account Fees

[dogtired]

Re: Packaged Account Fees

And they are supposed to help us!
Mike I agree, Mr DT did his tradesman, took him four years then another four " on the job"
It took me a total of four to get my nursing qualification, but glad I am retired now.
What can we do, asked the FOS to look at mine over a year ago and like Di got a call Christmas week to send them more information.
Not sure what we need to do, when I commented to Barclays that now the complaint has gone to FOS and they would have a fee to pay they just replied that " this has been taken into account"
If it had not been for LB I think I would be up a creek without a paddle.
Dont give up Di, know I am not!

[di30]

Re: Packaged Account Fees

I have sent an email as well to ask about this confusion as to why did she not have those statements when she (Adjudicator) was assessing the complaint and now that its being moved to the ombudsman she is rushing for Lloyds to send the years missing statements, as my complaint was meant to be moved over to the ombudsman by 18th Dec and I also raised the matter that this is delaying our case and left on hold once again!
Its actually been with the adjudicator earlier in the year of 2013 (last year) and the complaint was sent to them the year before that!

[MIKE770]

Re: Packaged Account Fees

Not sure if FOS know what they are doing, last two I spoke too appeared to have strong accents , a lot of staff were taken on for PPI what training or knowledge do they have?
The latest with mine did not seem to know what a CCA or SDAR was.
Wish there as an alternative.

Sounds familiar situation, they probably do a 30 minute briefing in lecture room then let loose on the phones etc, instead of being fully qualified after years of study - training.

bit like olD Master Craftsman/Tradesmen took 5 - 6 years training etc. NOW do a quick course (say 1 - 2 years and you are qualified (NOT).

[dogtired]

Re: Packaged Account Fees

Not sure if FOS know what they are doing, last two I spoke too appeared to have strong accents , a lot of staff were taken on for PPI what training or knowledge do they have?
The latest with mine did not seem to know what a CCA or SDAR was.
Wish there as an alternative.

[di30]

Re: Packaged Account Fees

Something not right though, the adjudicator made her decision without this info and now saying before she passes it on to the ombudsman, she's saying on reviewing our file there are a few years statements missing so she's now requested for these from Lloyds, therefore she made her own opinion/decision without these!
I think she trying to cover some tracks, as this isnt right!

[dogtired]

Re: Packaged Account Fees

Let's hope so Di xx

[di30]

Re: Packaged Account Fees

As you now this is being fast tracked as accepted by the Ombudsman, today I received an email from the Adjudicator, the one that was originally dealing with it to say reviewing my file, there are a few years statements missing, so now they are asking Lloyds for them now, but surely this would or should have been noted before (not now its being moved on to the ombudsman)! Hope this means something.
Email here:

Dear Mr and Mrs

I hope you had a lovely Christmas and New Year.

I have requested copies of all your bank statements from Lloyds as having reviewed the file again it appears a few years were missing. I hope to receive this either by the end of this week of by the beginning of next. Once I have this information I will pass the file to the ombudsman who has agreed to treat your complaint as a priority.

We tend to update consumers once every two months when their complaint is with an ombudsman – but if you would like more regular updates please let me know and I will arrange this.

Yours sincerely


Adjudicator

[di30]

Re: Packaged Account Fees

A draft letter being done, have tried clearing the misunderstandings on the letter, for one we never had the welcome pack until a few months after the account was upgraded by Lloyds and nor was any loans taken out at the time of the upgrades, where she states that was probably why we upgraded.
Also cleared the matter about us saying we knew about the fee, she missed the part where we only knew the fee cost because of statements, but not at the time and the fee back then was the same as the fee free account at £8 per month, so the same monthly payments continued and the fact that the bank had informed us that upgrades was standard practice and no matter what account we have they will all be charging, looked into this a bit deeper, its my last chance.

I realise they may not agree when it comes to the preferential rates, but if the ombudsman could meet me in the middle and take on the facts of why we first complained on unsuitable products that we could not use etc.....

Having it checked through by another in case I missed anything.

Will keep you posted.

[di30]

Re: Packaged Account Fees

I was told today that they are accepting my fast track request, due to my chronic illness condition, just to let you know.:tinysmile_twink_t2:

[di30]

Re: Packaged Account Fees

Another email received Friday about moving it forward to the ombudsman, but if i want it fast tracked then I shall have to let her know by tomorrow (Monday)

Dear

Thank you for your email and for clarifying the situation with your loans.

In order to fast track complaints we do sometimes require letters from specialists and GPs explaining the extent of the condition. However I will discuss your individual situation with senior colleagues on Monday to see whether or not this would be necessary in your case.

The ombudsman queue for the packaged accounts area is not too long at the moment so if your complaint did not qualify for fast track you would probably only be waiting around two – four months for your complaint to be allocated to an ombudsman.

Would you like me to start the process now? Or would you like more time to consider whether or not you accept my findings?

I look forward to hearing from you.

Yours sincerely

[dogtired]

Re: Packaged Account Fees

This was not my thread to begin with Di!
However as posted before it has not stopped Nat West trying to sell us the packed accounts despite our telling them we are not interested.
Prior to this we were with Halifax and we were in a packaged account but have not chased that at the moment'
I am sure about the Barclay's complaint, did e-mail back to the adjudicator and asked that it go for further review but as yet not had a reply.
Oh and al the support and help from all the lovely Beagles is also a welcome so glad I found you!

[di30]

Re: Packaged Account Fees

So what are you going to do Di?

Undecided at the moment EXC

I know I have nothing to lose by it going to the Ombudsman, maybe nothing to gain on this, so shall have to have a think on this one :tinysmile_twink_t2:

[EXC]

Re: Packaged Account Fees

So what are you going to do Di?

[di30]

Re: Packaged Account Fees

You take care of yourself DI, its OK its just the feeling that FOS are siding with the banks, for whatever reasons, I really have nothing to lose now by withholding payment to Barclay's, heat light and house are more important that a defunct credit card xxx:hug:

Thank you DT :hug:
I totally agree with you, I do believe they side with the banks more, and I dont think they want this to be like the PPI where it runs into millions of complaints to be honest.
I had an email from the adjudicator earlier to say she will start the progress to the ombudsman now if i didnt want to wait until the date originally give 5th dec to try for fast track due to my condition, but i said i'm unable to make a decision right now because I need the chance to find further info as well

That is so true what you said about, heat, light and house are more important , cheers so much xxx

[dogtired]

Re: Packaged Account Fees

You take care of yourself DI, its OK its just the feeling that FOS are siding with the banks, for whatever reasons, I really have nothing to lose now by withholding payment to Barclay's, heat light and house are more important that a defunct credit card xxx:hug: