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Re: Another insulting offer from HBOS
I am sorry to hear that they are being twunts ((c) Ame or Curly, still subject to legal action)
Glad to hear that Napthalia is helping you too.
Have a read of this posted by EXC, in particular question 370 which reads
Maybe you could contact Archie Kane direct ? or Napthalia could 
I am sorry to hear that they are being twunts ((c) Ame or Curly, still subject to legal action)
Glad to hear that Napthalia is helping you too.
Have a read of this posted by EXC, in particular question 370 which reads
Q370 Mr McGovern: On that subject of charges, I have had quite a few constituents come to my local surgeries, very often single mothers who have found themselves in the situation where, for one reason or another, they have missed their direct debit payment and it causes a charge and the knock-on effect is that they then miss another direct debit payment which causes another charge. One particular single mother found herself in the situation where she owed the bank something like £280 and she had never spent a penny of it-it was just charges. Is that justifiable?
Mr Kane: These circumstances do happen, I absolutely understand. They are relatively limited and I believe that they are to be avoided at all cost. Remember, we are dealing with large numbers of customers so there are processes in place that sometimes work in that fashion; but generally speaking we would not seek to operate in that fashion, we would try to communicate with the individual and try to come to an arrangement.
Q371 Mr McGovern: If that does not happen I would be entitled to write to the bank and say, "Please scrap this"?
Mr Kane: I am not going to deny that sometimes circumstances like that do happen; there are cases like that, I agree with you. We do not want those cases to arise if we could possibly avoid them.
Q372 Mr McGovern: I should say that I am not referring specifically to Lloyds Banking Group.
Mr Kane: I understand.
Mr Kane: These circumstances do happen, I absolutely understand. They are relatively limited and I believe that they are to be avoided at all cost. Remember, we are dealing with large numbers of customers so there are processes in place that sometimes work in that fashion; but generally speaking we would not seek to operate in that fashion, we would try to communicate with the individual and try to come to an arrangement.
Q371 Mr McGovern: If that does not happen I would be entitled to write to the bank and say, "Please scrap this"?
Mr Kane: I am not going to deny that sometimes circumstances like that do happen; there are cases like that, I agree with you. We do not want those cases to arise if we could possibly avoid them.
Q372 Mr McGovern: I should say that I am not referring specifically to Lloyds Banking Group.
Mr Kane: I understand.
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