Tom24 v Lloyds

[Tom24]

Re: Tom24 v Lloyds

Thanks Amethyst, just emailed that form. A couple of columns would not take text. Dependent children under 14=1, over 14=1. We have been separated for a while, but I am in constant touch.

[Amethyst]

Re: Tom24 v Lloyds

Thanks Tom.

She hasnt listed creditors (which hopefully means there arent any barr the Lloyds overdraft, the HP and a Credit Card which are being paid okay)

If the council tax etc are under proper arrangements then it does leave her £50 to offer Lloyds to repay the overdraft.

I don't think she will get anywhere under hardship regarding the charges. The priority debts have arrangements and she has an excess each month between income/expenditure.

The key is to get Lloyds to stop charging on her account and stop her getting charges on the basic account.

So same advice still - letter in post#3 and move to a different bank and stop getting charges.


If the council tax and rent aren't under proper arrangements then we need to know, it will help the hardship case, really need to know more about bailiffs she mentioned too.

[Tom24]

Re: Tom24 v Lloyds

Thanks Amethyst. Yes the rent and council tax is being paid ok, although finances are tight. The main debts are what LLoyds are charging her, and the credit card debt which is wholly a result of LLoyds excessive charges.
Will send that letter asap. What if they do not respond positively, where can we go from there?. We are still waiting for their 'Full response within 8 weeks'.

[Amethyst]

Re: Tom24 v Lloyds

It should chivvy up their 8 weeks response.

I would make sure she has moved her account away from Lloyds and is managing her finances without incurring charges.



Also Credit Card - we can claim any charges back on that as well if she has incurred any.

Do you know what the HP agreement is for and who its with ?

[Tom24]

Re: Tom24 v Lloyds

Thanks Amethyst, I believe that the HP debt is actually from a catalogue, Freemans or something. About £700.

[Amethyst]

Re: Tom24 v Lloyds

attached CFS - is all fine within the limits etc so should be accepted no problem by Lloyds - need the figures for credit card (and who its with) and overdraft current amount (ie how much we're dumping with Lloyds)

Also you mentioned bailiffs - any more info on those ?

[Tom24]

Re: Tom24 v Lloyds

Credit card debt is with LLoyds themselves, debt at present about £4700 looking at recent letters I have been shown. At present she is £1398.71 overdrawn.
I am wondering how I put these figures into the letter template as the estimated total charges over the last couple of years are about £4700 from the letters I have seen, and she is still showing overdrawn by £1398.71 at present.. Just wondering what amount she puts in for her claim.
Recent charges are between £150 and £180 per month and she only earns £420 per month before benefits. She has been getting charged at least 10 daily £15 charges per month.
Bailiffs have been called off I believe, as rent is now paid by myself through direct debit, and council tax on payment schedule.
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I meant to say that the £1398 overdrawn amount is on the bank account, not credit card. It seems that the CFS needs to be adjusted as credit card debt was a lot more than I was aware of, mostly due to her being constantly charged and short of money. Thanks for all your help Amethyst

[Amethyst]

Re: Tom24 v Lloyds

Good. We don't need worry about that.

I'll rework the sheet and the letter and give you a letter for the c/card too to start getting some charges back on that. the £50 is that the minimum payment monthly or has she made an arrangement with them?

If she carrys on with Lloyds getting these charges she will get into more difficulty, £150 a month is mental for someone on a low income.

Is there no way you can get her to come on here ?

[Tom24]

Re: Tom24 v Lloyds

She told me that £50 was what she had arranged to pay rather than get the £150 monthly charges. She said they had stopped that, but I have seen recent letters that say different, they are still hammering her acct. She hasonly just changed her bank details at work after my persistent badgering. Now I need to get her to get tax benefit and family allowance payments paid into her new acct. She is very averse to coming on the computer but I will try to get her to post as soon as possible.

[Amethyst]

Re: Tom24 v Lloyds

Okay, sounds like she has a touch of head in the sand syndrome. Its going to be very hard to help properly unless we know the actual situation. You sound like you are doing a good job helping her get sorted.

do you want me to rework that letter a bit to suit the info we now have ?

[Tom24]

Re: Tom24 v Lloyds

She has buried her head over this Amethyst, I have got her to change her bank and get her wages paid into another bank account, now I need to get her to get her benefit payments moved from her Lloyds bank acct.
What they have taken from her is obscene, and I hate them for it.

It would be great if you could rework the letters and forms that we need to send so we can start the process asap.

I will try to get as much information on her debts, and more details on her present financial situation as soon as I can.
Your help has been invaluable, and I'm glad I passed through here.

[TUTTSI]

Re: Tom24 v Lloyds

Just a thought should the average bank charges be put on the I&E?

[Amethyst]

Re: Tom24 v Lloyds

Dear Sir or Madam,

ACCOUNT NUMBER: xxxxxxxxxxx

FORMAL NOTIFICATION OF DISPUTE ON CHARGES AND COMPLAINT OF FINANCIAL DIFFICULTY.

I am writing with regards to the alleged outstanding debt owing on my account currently £1370 or thereabouts. You will be aware that I consider the debt to be in dispute as the entirity of this sum is made up of disputed charges and interest charged thereon.

This dispute was notified to you in a letter dated xx/xx/xxxx (copy attached) when I asked you to consider my claim under the Financial Difficulties exemption to the FSA waiver.

The amount I calculate you have taken in unlawful charges and interest on those charges is approximately £4700.00. In addition I am claiming from you a sum of compensatory interest equal to 8% per annum.

You will also be aware that I have been forced to move to a basic bank account to try and stop these charges being applied, and have made an arrangement with your collections team to repay the alledged debt at £50.00 per month. I made this arrangement on the understanding that interest and charges would be stopped on the account, however I am still receiving charges of approximately £150 per month which is adding considerably to my debt and my overall financial difficulties.

I enclose a copy of my income and expenditure sheet for your perusal. You will be aware I am on a very low income with two young children to provide for and am currently struggling with priority arrears with my Council Tax and Rent.

I have no intention of reneging on any part of this account which may be legitimately incurred debt and as I understand the issues surrounding the dispute are currently pending determination in the House of Lords and with the Office of Fair Trading, as a gesture of goodwill I would like to arrange with you to keep this debt on hold until the outcome of that case. Therefore I propose that you place a hold on further charges and interest being added to the account and that you accept an interim repayment plan.

I propose I make payments to you of £43.00 per calendar month, the first payment is enclosed, until such time as the dispute is resolved. Once this dispute has been resolved, if in my favour, you will continue processing my complaint, and if in your favour we will review repayment arrangements for the alleged debt. To be clear I currently dispute whether this sum or any is actually owed to your company and I am simply offering a reasonable solution in the interim whilst the dispute is considered.

I would like to make you aware of The Office of Fair Trading Code of Guidance in which it states: putting pressure on debtors or third parties is considered to be oppressive This includes: Ignoring disputes about whether money is owed and refusing to freeze action if the debt is in dispute.

I therefore hope to receive your full co-operation in this matter and would like to request a written response to that effect.

To be clear I am asking you to :
*Process my complaint and consider refunding unlawfully taken charges
*Refrain from further adding interest and charges to the alledged debt
*Accept an interim payment proposal of £43 per month.

Yours Sincerely



Your Name

[LuggerBugs]

Re: Tom24 v Lloyds

Sounds remarkably like what RBS tried to do to us a while back. They had Mrs LB in tears when she phoned about yet more charges: she could hear them laughing about it in the office.

So I just changed banks and told them to feck off. They did keep trying to badger me to repay the charges, which kept escalating, and eventually refered the matter to their solicitors.

At which point I simply told them that I would be delighted to see them in court to discuss the legalities or otherwise of their charging regime. Where they very quickly folded and closed my account, writing off all the charges in the process.

So there IS light at the end of the tunnel. And whilst it is extremely hard to put up with the constant harrassment, it all seems worthwhile when you beat them. And you and your wife WILL beat these people.

[Tom24]

Re: Tom24 v Lloyds

Thanks Luggerbugs, with the great help of Amethyst and others on here, financial justice will prevail.
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Amethyst, this is caz, Tom's wife here, thank you for all your help with the problem with my bank. i have posted the letter today, and your help has stopped my worrying.
the bank has taken half my wages and benefits in charges over the past year, and I let it get out of hand. Now it seems that I may get out of the vicious circle.
Tom has typed this out for me as I am terrible with computers, but from the both of us, our heartfelt thanks go out to all of you who selflessly help others with problems and make this world a better place.
We will keep you Informed on our progress with this. It seems we are not alone in this.:grouphug: