lloyds scums

[leclerc]

Re: lloyds scums

so tis is not included in the loan but I have to pay it, or it should be included? did it not suposed to come out on that month I have used my credit card to withdraw cash?
what do I do?

It is payable.
------------------------------- merged -------------------------------
The charges they levied on your current account that they did not waive should be queried.

[eryca313]

Re: lloyds scums

I mean if I have to pay it I am sure I can get £5 from somewhere to pay it...
anyways
i have few comments on the letter Lloyds sent me as well:
- I changed my account in about September 2010 because this was the first time they actually told me I can downgrade my silver account to current account. when I approached them earlier about finding the charges too much expetialy when I dont even use the benefits on my account they said they could do nothing. No one mentioned they actually have current account which has no charges.
- they said 'it was not immediately clear' that I have received student loan and bursary - I walked into the bank personaly to change the account and made sure they know I had student loan coming through, and I received the st lan and the bursary for 3years on the same account so they had 3 years to notice it and they have been approached about it as well.
- when I had a meeting with the branch manager I have used the same phone number given for 100% and he had not called me once about not being able to be there in fact the appointment was made by phone and I have received a confirmation letter after the appointment.
- and I just found out that the loan payemnets have been increased from £36 to £57 without my knowledge....

I cannot pay them that much simply because I have no money left....

do You need any of my bank statements to see what was going on clearly?

[leclerc]

Re: lloyds scums

I mean if I have to pay it I am sure I can get £5 from somewhere to pay it...
anyways
i have few comments on the letter Lloyds sent me as well:
- I changed my account in about September 2010 because this was the first time they actually told me I can downgrade my silver account to current account. when I approached them earlier about finding the charges too much expetialy when I dont even use the benefits on my account they said they could do nothing. No one mentioned they actually have current account which has no charges.
Did they record a complaint at that time? And do you have the exact date or month and year that you went into the bank and who you spoke to?
- they said 'it was not immediately clear' that I have received student loan and bursary - I walked into the bank personaly to change the account and made sure they know I had student loan coming through, and I received the st lan and the bursary for 3years on the same account so they had 3 years to notice it and they have been approached about it as well.
Unless it states "student loan" on the payment then it is difficult to be certain that an account is a student one. Did they complete a student account application form with you?

- when I had a meeting with the branch manager I have used the same phone number given for 100% and he had not called me once about not being able to be there in fact the appointment was made by phone and I have received a confirmation letter after the appointment.
It may be worth checking what number that they had for you. I might add that if they could not contact you by phone, why was a letter not sent out? Furthermore, might be worth clarifying what number they have for you at the bank.

- and I just found out that the loan payemnets have been increased from £36 to £57 without my knowledge....
when? That doesn't happen so what kind of loan do you have?
I cannot pay them that much simply because I have no money left....

do You need any of my bank statements to see what was going on clearly?

Ok, to be blunt, the charges issue for me is now about them waiving charges that were left. They have made an offer to clear the account to a zero balance and no one is forced to sign a loan agreement without their consent.

With regards to that loan I do want to know why the payments have gone up since most loans are fixed rate loans where the amount is set from the outset, ie 60 payments of x amount(for 5 year loan payments).

[eryca313]

Re: lloyds scums

as You see there was no explanation just action

02 Mar 11LTSB PERSONAL LOANPAY 55.77 36.12
01 Mar 11O/DRAFT INTERESTCHG 3.92 91.89
28 Feb 11CCD REFUNDDEP 300.00 95.81
28 Feb 11CCD REFUNDDEP 107.74 -204.19
21 Feb 11RETURNED DD 36.50 -311.93

[leclerc]

Re: lloyds scums

as You see there was no explanation just action

02 Mar 11LTSB PERSONAL LOANPAY
55.7736.1201 Mar 11O/DRAFT INTERESTCHG
3.9291.8928 Feb 11CCD REFUNDDEP300.00
95.8128 Feb 11CCD REFUNDDEP107.74
-204.1921 Feb 11RETURNED DD
36.50
-311.93

Are you not paying any money into the account to service the loan? Are you not making any payments on the loan whatsoever from any account?

Can you tidy up the above statement bit cos I don't understand the entries as they are written.

[eryca313]

Re: lloyds scums

As I have no money I cannot pay anything and with all the respect I do feel I have been pressured into taking the loan as they told me this is my only option to clear the overdraft charges. If they provide me with an alternate way of clearing my account would never take the loan

i did clear it up a little bit, is it better now?

[eryca313]

Re: lloyds scums

-I do have the letter for the appointment somewhere but I am not sure if they made any notes or not.

- my account clearly states student loan and bursary
- as you see there is my income shown as well

[eryca313]

Re: lloyds scums

my mobile contract expired Oct 2010 so I am quiet sure they have that number.but if I need to I will check it with the bank. to be honest I have learned my lesson and do not want to communicate with anybody in banking only with letters because at least I will have a track record and a proof of what has hapened.

again do you need me to tidy up the statement more?

[leclerc]

Re: lloyds scums

Were you a student when you opened the account?

[eryca313]

Re: lloyds scums

I started at uni in 2008 february and I have asked them to change my account about a year later, but they refused me

[leclerc]

Re: lloyds scums

I started at uni in 2008 february and I have asked them to change my account about a year later, but they refused me

Were you a university student studying for a 3 year degree? or Post grad course?

[eryca313]

Re: lloyds scums

yes,undergrad and postponed a year this year because of financial situation....

[eryca313]

Re: lloyds scums

so where does that leaves me? what should I do ?

[eryca313]

Re: lloyds scums

can anybody help me pls?what should I do next? should I leave it as it is or should I contineu?

[Caspar]

Re: lloyds scums

Hi Eryca,

Firstly thanks Leclerc for the work you've put into this. I received a pm this morning asking me to write another letter which I'll do now in the next couple of days.

It is looking as though there are some charges that can definitely be questioned, and then some other things we can chance our arm on and see how they respond - they can only say yes or no.

I'll post the letter up as soon as I've done it, though I'm working tonight and tomorrow, so it's likely to be Wednesday.

Caspar!
xx