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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:
*:
(Or do you think Lloyds are just thinking of anything to prolong) as I don't think what they are saying excuses the fact that they still kept upgrading our accounts all the way to the top, as most were done automatically, and little did we know then we could have downgraded or even had a free acount)? thanks again.
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