lloyds scums

[Caspar]

Re: lloyds scums

the attachment of my IE sheet and just for the record I am being made redundant very soon

Thanks Eryca,

Re your I/E sheet:
1. Do you really pay no council tax?
2. Do you really pay no water rates or bills?
3.Your food bill works out at £23.08 per week - this seems low.
4. Do you really have no household repairs (light bulbs, replacing curtains, carpets etc.... over time)?

I'd amend the above as necessary then repost (I think I ended up doing mine 4 times!!!!!!)

When are you being made redundant? Will you get a lump sum pay off? Pension? If not, have you any idea what your income will be?

David

[eryca313]

Re: lloyds scums

So what are you saying? first thing is to deal with my account and then Amazon? I would like to know what is the case in here, how long it will take and what can I take out of this. my overall goal is to be able to be free from lloyds, and yes I think amazon has to pay because no one gave them permission to access my account but they did anyway. if they can do this to me no one knows how many people suffered the same.

[eryca313]

Re: lloyds scums

could you define hardship please, because if I put more things on my IE sheet I will be over my monthly budget and I know food is low but I have a budget to live with. at the moment I am signed off by my GP with depression, but I am looking for a job at the moment as my new job did put me into depression. at the moment I am going for counseling once a week and soon as I get better and find a job will have some extra income.hopefully sooner than later.
I also will get a lump of payment about £3000 which will be good for short term. also my landlord pays all the household repairs, I dont pay council tax as I am a student and my agreement with my landlord covers the water rates.

[Caspar]

Re: lloyds scums

I think you need to decide - the two issues are intrinsically linked so it's hard to separate them, yet each needs dealing with individually.

As regards Amazon they have charged you for "Amazon Prime" as far as I can work out. This is something you have to subscribe to so they should be able to prove you subscribed to it.

If you're sure you didn't I'd send Amazon a letter along the following lines:

Prove it letter:

Name/Address:

Date:

Dear Sir/Madam

In June of this year you withdrew £49.00 from my account which you claim was owed by myself.

I would point out that I have no knowledge of any such debt being owed to Amazon.

I am familiar with the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR 2008) and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

While I appreciate you are not pursuing me for debt, you have already taken money out of my account for a debt which I believe was never mine.

I would ask that you provide evidence as to my liability for the monies in question.

In the absence of any such evidence, I look forward to receiving a full refund of the monies involved in this transaction plus the resulting bank charges resulting from it of £xxxxxxxxxxx, otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

I look forward to your reply.

Yours faithfully

[Caspar]

Re: lloyds scums

With regards to Lloyds I would suggest the following:

Dear Sir/Mr

Ref: Your Account Number: xxxxxxxxxxxxxxxxxxxxxxxxxx

I wish to inform you of a recent change to my circumstances and as such I am unable to maintain the present level of repayments. [Add your explanation here, keep it brief and in one paragraph if possible].

Please find enclosed an updated Income and Expenditure sheet which details my present financial circumstances. As is apparent, my outgoings far outweigh my income and as such I am experiencing extreme financial hardship.

You will know from your records that I feel I was missold the account in the first place, as I was not informed there was a current account that did not incur monthly payments. In light of this, I would be grateful if you would consider writing the remaining balance off, particularly as the majority of it is comprised of your own charges on an account I believe I should never have had.

I would like to assure you that it was never my intention to renege on my financial responsibilities, but unfortunately my current circumstances are such that realistically I cannot maintain payments of any kind.

I would greatly appreciate any help you can give me and look forward to your comments on this matter.

Yours faithfully/sincerely




See how they respond to these letters, then take things from there. I'd like someone else to look at and comment on these letters first however before you send them. If you do send them, send them first class and ask for Proof of Postage.

David

[eryca313]

Re: lloyds scums

I will do so as there was never any subscription and what gives a right to company to get into my bank account and subscribe me to 'amazon prime'. what legal rights they have got to do this?when I called amazon regarding the matter they did refund me but it was too late as my account went overdrawn already.what can we do to make people aware of this as I believe this is disgusting.

[Caspar]

Re: lloyds scums

If Amazon have already refunded you, I would write to them enclosing a copy of the relevant bank statements and requesting they refund the bank charge as well. You should be able to tweak the original one of mine slightly to suit stressing how it caused you bank charges etc.... which would not otherwise have been incurred.

[leclerc]

Re: lloyds scums

I will do so as there was never any subscription and what gives a right to company to get into my bank account and subscribe me to 'amazon prime'. what legal rights they have got to do this?when I called amazon regarding the matter they did refund me but it was too late as my account went overdrawn already.what can we do to make people aware of this as I believe this is disgusting.

How did they debit the account? was it via debit card or Direct Debit?

[eryca313]

Re: lloyds scums

well they knew my account details through earlier transactions so am guessing that's how they access my account and on my statement its shown as a Debit Card payment what I never did

[leclerc]

Re: lloyds scums

well they knew my account details through earlier transactions so am guessing that's how they access my account and on my statement its shown as a Debit Card payment what I never did

That does cause a problem because as Amazon have refunded the card payment then the bank's position will be that they should have refunded the associated losses or bank charges. The question now is about whether you managed to get the account free of charges prior to them changing your account? If the account was close or that the packaged account fees COULD have kept the account in credit even when the amazon charges are taken into consideration then we might have an angle on that part of it.

[eryca313]

Re: lloyds scums

when I took out the loan with Lloyds they told me I will not receive any further charges but I still did so what took my into red again (card charges) now I was unable to pay the charges and the loan together so am guessing my charges flying high. can someone please help me. please, I need urgent action so my charges will not go higher and higher appreciate it

[Caspar]

Re: lloyds scums

when I took out the loan with Lloyds they told me I will not receive any further charges but I still did so what took my into red again (card charges) now I was unable to pay the charges and the loan together so am guessing my charges flying high. can someone please help me. please, I need urgent action so my charges will not go higher and higher appreciate it

Eryca,

Do a new I/E sheet. If your outgoings are more than your income, so be it! Mine shows outgoings £139 more than my income!

Post the new one up and get the letter off to the bank asking them to freeze charges. There's no guarantee they will, but at least you've asked them.

You mention they said that you would not incur any further charges - have you any proof of this? What's written in the loan agreement?

I think I already stated that the bank charges would need to be refunded by Amazon.

Try and get your I/E sheet finalised. I know you're on a budget and if you are genuinely living within that, all well and good. BUT if your tweaking the figures to make yourself look solvent when tou aren't you're doing yourself no favours. We need the real picture.

David
xx

[eryca313]

Re: lloyds scums

yeah, I thought if I go under my budget I will be bankrupt and not in hardship.

[Amethyst]

Re: lloyds scums

Definately include everything you pay on your IE sheet otherwise you, nor the creditors, will have a proper understanding on your financial situation.

So regardless of it ending up in minus figures get it all on and back up.

Also I think the letter to Lloyds needs to be personal and about Amazon and how the charges on that dodgy transaction are damaging you financially far more than is fair and detail the full effect and snowball that is happening. Then take that to the FOS.

Amazon you are sorting out, but I'd make that personall'er as well and point out how much trouble it has caused.

[Caspar]

Re: lloyds scums

yeah, I thought if I go under my budget I will be bankrupt and not in hardship.

It's not a crime to be overspending your budget. As proof here's mine for you - bet yours isn't this bad!