Hi folks
As this is in regards of bank accounts, I thought I shall post here.
Since opening a bank account (even my very first was never free) and with being young then I always thought we had to pay monthly fees for an account, even basic they charged service charges etc.
Over the years when I was with Lloyds (I closed my account with them a few years ago) 2009 and moved on to another where there are better and cheaper benefits included (but at least I know now its matter of choice) where I did not before.
Some of the benefits included in the account packages were not suited for me, maybe one or 2 but never them all. So back a year ago I raised this up with Lloyds, but never got anywhere, as this was quite a new thing.
I ended up going to the FOS.
Well after forwarding extra info, they taken it into account and agreed to uphold it, I think this may go back to about 1996/1997 not too sure on that yet, but I did find statements on every account I had with them, Gold, Premier, Platinum and so on, the last one we had for a few years was the one we paid £25 a month.
However, although the Adjudicator agreed and upheld, this will depend on Lloyds now, if needs be I will still be happy if it went to the ombudsman, we shall see.
Email received yesterday ;-)
As this is in regards of bank accounts, I thought I shall post here.
Since opening a bank account (even my very first was never free) and with being young then I always thought we had to pay monthly fees for an account, even basic they charged service charges etc.
Over the years when I was with Lloyds (I closed my account with them a few years ago) 2009 and moved on to another where there are better and cheaper benefits included (but at least I know now its matter of choice) where I did not before.
Some of the benefits included in the account packages were not suited for me, maybe one or 2 but never them all. So back a year ago I raised this up with Lloyds, but never got anywhere, as this was quite a new thing.
I ended up going to the FOS.
Well after forwarding extra info, they taken it into account and agreed to uphold it, I think this may go back to about 1996/1997 not too sure on that yet, but I did find statements on every account I had with them, Gold, Premier, Platinum and so on, the last one we had for a few years was the one we paid £25 a month.
However, although the Adjudicator agreed and upheld, this will depend on Lloyds now, if needs be I will still be happy if it went to the ombudsman, we shall see.
Email received yesterday ;-)
Dear Mr and Mrs
I can confirm that having reviewed the evidence provided it did persuade me that you were under the impression that you had to pay a fee for your Lloyds TSB account.
I have written to Lloyds TSB explaining this and recommending that the complaint should be upheld. I am waiting to hear whether Lloyds TSB accept my recommendations - if it does not it may provide further information for me to review.
I will update you again once I have received a response from Lloyds TSB.
Thank you for your continued patience.
Yours sincerely
Adjudicator
Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR
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7:
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I can confirm that having reviewed the evidence provided it did persuade me that you were under the impression that you had to pay a fee for your Lloyds TSB account.
I have written to Lloyds TSB explaining this and recommending that the complaint should be upheld. I am waiting to hear whether Lloyds TSB accept my recommendations - if it does not it may provide further information for me to review.
I will update you again once I have received a response from Lloyds TSB.
Thank you for your continued patience.
Yours sincerely
Adjudicator
Financial Ombudsman Service
South Quay Plaza | 183 Marsh Wall | London | E14 9SR
':
7:
*:
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