Laura V Llloyds - interim payment Offered and part paid

[Paule]

Re: Laura V Llloyds

Unless he changes his bank, all monies going into this account are going to be swallowed up in charges, and they will continue to do so until his claim is settled.

If he really wants to continue banking with Lloyds, I would suggest that he opens another account at another bank and get all income paid into this, and once he is straight with Lloyds and the account is clear, move back to them and continue banking

Loyalty to a bank is an old tradition now, we no longer know our bank managers, we are all only numbers on a computer to them.

A good basic account is the Nationwideflex account, depending on your credit rating you may be able to get a good account like HOD as mentioned with some offering incentives.

Realistically you need to get out of Lloyds until this is sorted.

PKea

[Amethyst]

Re: Laura V Llloyds

I can understand your sons perspective, it would be a big change moving accounts, and although normally it would be the best option, I do think the bank should be taking your sons position into account and this I feel should be made clear to them in the letter. They do have a duty to act properly to him under the banking code, he is in hardship and has these additional problems which make running his account difficult. To have accrued £3000 in charges in a year is serious mismanagement of the account and this should have been picked up and he should have been offered assistance a long while ago.

I havent read the letter you have written yet but i will do now - you havent yet sent it ?

[Budgie]

Re: Laura V Llloyds

Also there is no need to send this letter to Lloyds head office.

You only need to send it to John Bundy, his department are the part of Lloyds that are now reponsible for dealing with this matter.

Budgie

[Amethyst]

Re: Laura V Llloyds

Laura - would you mind if i had a go at your letters ?

I think a combined prelim and explanation of the circumstances and request to treat him as hardship would be better.

I am not sure whether to get your son to give you proper authority to act on his account tho as they may get complaicate or write the letter from him and ask him to sign it off.

[Laura]

Re: Laura V Llloyds

Letters went off agree with all pointers, I agree with what on earth were the bank playing at not stepping in when son had nearly £3,000 in charges, manager is a lovely man been there years will go out of his way to help and has in the past discarded charges with the family we all bank there and majority of us have a considerable amount going into the bank each month and have good accounts but son isn`t one of them wether or not on this basis our local branch as let things ride who knows

letter gone off recorded delivery to head office with copy bank statements and copy of letter I have also sent to John Bundy at different address the one I mentioned on here today

son signed it and I assume they will continue to contact him which they did when I took the last bank charges to court, I am not afraid of a challenge and get by but my health is a challenge at moment

I was led to believe if you try to open another bank account you need references etc, sons credit rating will be very poor as he has been unable to pay his way for a while mainly because the bank as been taking such extorinate amounts in charges

I totally agree with if possible opening another bank account and having his DLA go into there till he gets sorted then to operate his Lloyds Tsb account when his circumstances change

[Emerald]

Re: Laura V Llloyds

How do you send the preliminary request how do you word it? I will send copy statements off the internet no idea how else to set it out daughter does but dare not ask her she doesn`t want me to sort this

Would your daughter not help with this? She would not only be taking some pressure off you, but helping her brother and his family atthe same time.

Got preliminary letter and bank statements together sending off in a while to Tsb head office letter also gone off to John Bundy, sons apartner worried about the letter she had which said she MUST pay £400 a month into my son`s account to bring the overdraft back to the £700 originally agreed limit, she`s afraid they will shut his account which he doesn`t want he is eager to remain banking with Lloyds Tsb as all the family bank with them

Are you saying that the bank wrote to the non account holder demanding money?
There is no MUST about it, they simply don't have the funds to do this. They are unlikely to shut his account whilst he owes money, although they may send it to collections.

Yes anyone normal would think like you and me but my son has serious mental health and they don`t like change

Is there anyonew helpign your son with managing his finances? WHy do they have seperate finances? Are they claiming everything they are entitled to as a family? Check here www.entitledto.co.uk

son signed it and I assume they will continue to contact him which they did when I took the last bank charges to court, I am not afraid of a challenge and get by but my health is a challenge at moment

I was led to believe if you try to open another bank account you need references etc, sons credit rating will be very poor as he has been unable to pay his way for a while mainly because the bank as been taking such extorinate amounts in charges

I totally agree with if possible opening another bank account and having his DLA go into there till he gets sorted then to operate his Lloyds Tsb account when his circumstances change

You do not need references to open a bank account, they will jsut do a credit check and decide what account ot offer. NatWest step account is a good basic account and comes with a Solo card and on line banking. Alternatively nationwide flex is good, and doesn't do credit checks. make sure you say atthe time you want a basic account.
Alternativey your son could have his DLA paid into either yours or his partners account and you could agree a budget and give him cash as he needs it, throughout the month.

[Laura]

Re: Laura V Llloyds

My sons partner claims for them all has a family as she is sons carer, she collects this from the Post Office she has a Nat West account which she opened not long ago been trying to encourage her to have her benefits money go into there

Bank write to son but she deals with this in a fashion as he does not read, he does have plenty of support but son dislikes interference as such he gets stressed out with lots of people "In Authority"

He wouldn`t like his DLA going into my account he won`t even have it in his partners he is doesn`t rtrust anyone not to give him his money sounds strange but do remember my son has a mental age of 10 years yes he is a dad to 3 children but he is very child like himself yet hese 25 and wherever possible we like to treat him as such or he thinks you are belittling him

my elder daughter is 29 and is a full time lecturer and contracts to a few keep fit studios and private coaching she is far too busy to help out though she does buy her brother and his family nice items for the house and clothes and toys I don`t fully tell her all his woes as she takes it to heart and gets very upset like when he was sectioned for a month last year she was distraught I can`t put her through that so i soldier on as best as I can hsi Dad could not hack the strain and moved on nearly 10 years ago not seen or heard from him since

My son is on my mind from the moment I get up to the moment I go back to bed It is vital that he knows he can count on my 100% support we don`t even tell him how ill I am as this won`t be beneficial to him

[scoobydoo]

Re: Laura V Llloyds

Hi

Hope I did not confuse you by my suggested letter earlier. This is a very complicated case and you obviously need help for your family from lots of different angles really.


Does your son not get any assistance from any institution at all with financial matters?

Should he not be entitled to that ?


Scooby

[Laura]

Re: Laura V Llloyds

Daughter checked the www.entitledto.co.uk it says "Error" son gets help from mental health and some ties to them but they don`t interfere when son doesn`t want outside help financially he`ll accept that but not practical it thinks hese being made fun of because of his mental age it`s all very fragile i`m afraid

[Laura]

Re: Laura V Llloyds

Are the banks breaking the law taking charges out of a social security benefit like my sons Disability Living Allowance under the Social Security Administration Act 1992?

[Amethyst]

Re: Laura V Llloyds

No they aren't. annoyingly.

[Laura]

Re: Laura V Llloyds

Must have misread that it was on martin money tips

[Amethyst]

Re: Laura V Llloyds

It was thought to be the case for a while and people tried to get a court to agree but to no avail. The law says that disbursements at source cant be made from benefits...it doesnt include bank charges.

Someone else can probably explain it better I hope lol.

[Emerald]

Re: Laura V Llloyds

It was thought to be the case for a while and people tried to get a court to agree but to no avail. The law says that disbursements at source cant be made from benefits...it doesnt include bank charges.

Someone else can probably explain it better I hope lol.

My understanding was that the provision meant that benefits could not be taken for example in bankruptcy cases to pay debts.
It is a lot more in depth than that but this is just an example, and as Amethyst says unfortunately the relevant legislation does not include bank charges at present.

[Laura]

Re: Laura V Llloyds

Bank not been in touch about either of letters I sent requesting charges back etc on grounds of hardship