lloyds scums

[eryca313]

Re: lloyds scums

I had an overdraft limit of £500 originally and yes they are monthly charges for that. I had enough money to cover the overdraft charges but they also charged me for the silver account I had with the bank. that made me overdrawn.
yes amazon took money out of my account without my knowledge. I called Lloyds about this and they told me to call amazon but it already made me go over the limit and only was able to get the money back 5days later, so I had to increase my overdraft limit....unfortunately the charges were already on my account so could not do a thing.

[leclerc]

Re: lloyds scums

leclerc: yes I mean by 'when MOT...' when its due, and the other answer would be in april they took out overdraft interest and silver account charges what brought me to red (£8)for a week.
Was there an overdraft on the account because you cannot accrue interest on an overdraft if you haven't got one?

so they charged me £78.39 in the following month. than in June unauthorized transaction has been made by amazon(please explain this? Are we talking fraud? or was the transaction made and Lloyds charge because there was insufficient funds in the account to cover the card payment?) and they took £50 from me so I had to increase my overdraft limit to get rid of overdraft charges - been told by Lloyds. than surprise- surprise Lloyds charged me again (overdraft interest and card charges)and went overdrawn once again.a month later I found out they charged me £120 because of amazons unauthorized transaction, which took me deep into red. thats when I took the loan agreement as the only option left according to the bank .... when I agreed I ve been told there will be no further charges - I believed it and now I am in the same situation...feel like going in circles..
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Caspar: what du you mean by more formal IE sheet, can you specify please? thanks

also would you be able to explain what is hardship legally? thanks

The amazon issue is on that interests me. Why was it unauthorised? What was it for and was it fraud?

Re: lloyds scums

Caspar: what du you mean by more formal IE sheet, can you specify please? thanks

If you follow the link near the top of post #11 it takes you to more detailed IE sheets.

[eryca313]

Re: lloyds scums

leclerc: yes I mean by 'when MOT...' when its due, and the other answer would be in april they took out overdraft interest and silver account charges what brought me to red (£8)for a week. so they charged me £78.39 in the following month. than in June unauthorized transaction has been made by amazon and they took £50 from me so I had to increase my overdraft limit to get rid of overdraft charges - been told by Lloyds. than surprise- surprise Lloyds charged me again (overdraft interest and card charges)and went overdrawn once again.a month later I found out they charged me £120 because of amazons unauthorized transaction, which took me deep into red. thats when I took the loan agreement as the only option left according to the bank .... when I agreed I ve been told there will be no further charges - I believed it and now I am in the same situation...feel like going in circles..
------------------------------- merged -------------------------------
Caspar: what du you mean by more formal IE sheet, can you specify please? thanks

also would you be able to explain what is hardship legally? thanks

[eryca313]

Re: lloyds scums

thanks Spph I think I will be interesting to take on your offer, because I have many things going on in life at the moment.

Re: lloyds scums

am not calling you anything Caspar dnt worry... I dont mind as long as I will get some answers and help to prove my rights. I do not pay council tax as I am a student but I do pay road tax, car repairs and MOT when is necessary. hope that helps.
as far as am aware leclerc already transferred my IE sheet to the hardship forums and yes I will be waiting for the response from you guys before I make any steps. although I was unable to pay Lloyds for loan AND CHARGES last month so I will need to do something asap.
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Middenmess: maintainance costs including food....i think

My link was to a more formal Income / Expenditure sheet which I think you (and we) would find more useful in order to advise you. If you could transfer the info - it will also cover some of the things you may have forgotten to include and automatically calculate pro rata payments for you.

David

[leclerc]

Re: lloyds scums

am not calling you anything Caspar dnt worry... I dont mind as long as I will get some answers and help to prove my rights. I do not pay council tax as I am a student but I do pay road tax, car repairs and MOT when is necessary. hope that helps.
as far as am aware leclerc already transferred my IE sheet to the hardship forums and yes I will be waiting for the response from you guys before I make any steps. although I was unable to pay Lloyds for loan AND CHARGES last month so I will need to do something asap.
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Middenmess: maintainance costs including food....i think

To clarify re moving the thread to the Hardship Forum, Sapphire who is site team has done so.

Something that seems odd is the phrase "and MOT when it is necessary", do you mean you pay it when it is due?

I do want to clarify one thing, how did the account go into the red in the first place, ie what was the cause of the charges?

[eryca313]

Re: lloyds scums

am not calling you anything Caspar dnt worry... I dont mind as long as I will get some answers and help to prove my rights. I do not pay council tax as I am a student but I do pay road tax, car repairs and MOT when is necessary. hope that helps.
as far as am aware leclerc already transferred my IE sheet to the hardship forums and yes I will be waiting for the response from you guys before I make any steps. although I was unable to pay Lloyds for loan AND CHARGES last month so I will need to do something asap.
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Middenmess: maintainance costs including food....i think

Re: lloyds scums

That's exactly why I asked the OP to fill in one of the LB Template IE sheets. we'll be able to advise much better then!:beagle:

[middenmess]

Re: lloyds scums

thanks for comments. I already changed my account to Barqlays - I know it is not the best choice but here we are. my IE sheet is as follows:

OUTGOINGS:
Rent: £250
Gas and Electricity £60
Housekeeping £50
TV license £10
Traveling £10
Phone and Mobile £45
Maintainance £100
Clothes £20
£580

Creditors:
Lloyds TSB (loan) £40
Barqlays credit cr £15
Littlewoods £20
HFC bank (Laptop) £23
Car Insurance £67
£165

All together £580+£165= £745/ month (outgoings)

INCOME: £755/ month

I do not receive any more student loan as I have received the 9 payments from the SL company and will not receive bursary either as I am in the final semester of my studies.
My income drastically decreased in the last 2 month as I am going through redeployment and I have lost out on overtime opportunities. I cannot take full time because it will be impossible to finish my studies (4month left). It also looks like, as the company I am working for was unable to find me a suitable job, will be made redundant on the end of this month.
any more information needed please let me know.
thank you

I changed my account to current account when I have been in the branch (3weeks ago) as that was the first time I have been told I have an option to open a current account, so I do not pay the £7.95 any more.

Food?-or have I missed that?

[leclerc]

Re: lloyds scums

Legal Beagles Consumer Forum - View Single Post - Hardship - Individual Banks Requirements Who to contact

This is details of how they decide on Financial hardship with the relevant address to send the above letter to.

Re: lloyds scums

Thread Moved.

Re: lloyds scums

Caspar, would you be able to send me a link for a template to be able to freeze my account please? I 'd appreciate it

Yes I certainly can, but first things first hey! Would you mind (and you can call me all the names under the sun - I can't hear you!!!lol) transferring the above onto one of these IE sheets:

http://www.legalbeagles.info/forums/...ad.php?t=19592

We'll then have a good look at it, and only if we can prove genuine hardship would you be advised to send the freeze interest / charges letter. I can see some things ommitted already such as MOT, car repair costs, council tax?

One step at a time! I've posted the two possible letters below (thanks Sapph) but please don't send them till we know you can prove genuine hardship.

Ask your creditors to accept pro rata offers of payment on your debts

Your address

Date

Company Name
Address

Dear Sir/Madam,

Re: Your Reference

Since making that above agreement with you, our circumstances have changed.

We cannot now afford to agreed monthly payments because ... [add your explantation here, keep it brief and in one paragraph if possible.

We enclose a Personal Budget sheet which shows our total income from all sources, and our outgoings. As you can see we have only £??? per month left for our creditors. The offers we have made to our creditors have worked out on a pro−rata basis, and we have written to all our creditors asking them to accept reduced payments.

In view of our circumstances, please would you agree to accept a reduced offer of £??? per month. If interest or other charges are being added to the account we would be grateful if you would freeze these so that all payments made will reduce what I owe you.

Should our circumstances improve we will contact you again.

We would be grateful if you would send a paying−in book to make it easier to pay you. Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully

Your Name
__________________




or this one:

Ask your creditors to accept a token payment or no payment on your debts

Your Address

Date

Company Name
Address

Dear Sir/Madam

Re: Your Reference

Since making that above agreement with you, our circumstances have changed.

We cannot now afford to agreed monthly payments because ... [add your explanation here, keep it brief and in one paragraph if possible).

We enclose a Personal Budget sheet which shows our total income from all sources, and the total outgoings of our household. As you can see we have no money left to make offers of payment to my creditors.

In view of our circumstances, would you please accept no payment at present to be reviewed in six months. If interest or other charges are being added to the account, we would be grateful if you would freeze these so our debt does not increase.

Should my circumstances improve we will contact you again.

Thank you for your assistance. We look forward to hearing from you as soon as possible.

Yours faithfully

Your Name

[leclerc]

Re: lloyds scums

thanks for comments. I already changed my account to Barqlays - I know it is not the best choice but here we are. my IE sheet is as follows:

OUTGOINGS:
Rent: £250
Gas and Electricity £60
Housekeeping £50
TV license £10
Traveling £10
Phone and Mobile £45
Maintainance £100
Clothes £20
£580

Creditors:
Lloyds TSB (loan) £40
Barqlays credit cr £15
Littlewoods £20
HFC bank (Laptop) £23
Car Insurance £67
£165

All together £580+£165= £745/ month (outgoings)

INCOME: £755/ month

I do not receive any more student loan as I have received the 9 payments from the SL company and will not receive bursary either as I am in the final semester of my studies.
My income drastically decreased in the last 2 month as I am going through redeployment and I have lost out on overtime opportunities. I cannot take full time because it will be impossible to finish my studies (4month left). It also looks like, as the company I am working for was unable to find me a suitable job, will be made redundant on the end of this month.
any more information needed please let me know.
thank you

I changed my account to current account when I have been in the branch (3weeks ago) as that was the first time I have been told I have an option to open a current account, so I do not pay the £7.95 any more.

I am going to ask that the thread be moved in the Hardship Issues forum. Personal opinion is that it isn't financial hardship but the charges MIGHT make it a close run thing.

[eryca313]

Re: lloyds scums

Caspar, would you be able to send me a link for a template to be able to freeze my account please? I 'd appreciate it