lloyds scums

[eryca313]

Re: lloyds scums

Leclerc - I claim P50 at the moment cas I am being positive to find a job soon. but it says I cannot claim anything else if I claim P50.

Caspar - I am not worrying cas You were the person who helped me the most and I trust You anyways. thanks

Re: lloyds scums

Hi Eryca,

Just to let you know it's lloking like Tuesday. Was hoping to get it done tomorrow, but had a shed load of stuff come in yesterday with a deadline of tomorrow night, so sadly your letter drops down the list one. I will do it though on Tuesday, don't worry.

[leclerc]

Re: lloyds scums

at the moment I have £100 /month as I became unemployed in November and have not find a job yet. so I am unable to pay anything. I am sending to each of my creditors letters to freeze my account until I find a job and I can pay it.

I was missing the £8 every month but I believed I could do nothing about it untill September this year when the receptionist finally told me I can change my account to current account.before when I asked if I can withdraw the so called 'benefits' from my account I have been told there is nothing they can do about it. but funny enough in September when I went to talk to the manager they told me I can change it to current account where I have no charges on the card.

do you know I am very angry that I have been so stupid I trusted the banks. Now because of 1year when things di not go the way they have suposed to I v lost everything.
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ps: caspar dnt worry about being nosy because I know You need to know everything about my situation to be able to help. dnt worry about asking questions cas I am happy to answer them

Are you receiving all the benefits you are entitled to? Have you applied for Housing Benefit/local housing allowance?

[eryca313]

Re: lloyds scums

at the moment I have £100 /month as I became unemployed in November and have not find a job yet. so I am unable to pay anything. I am sending to each of my creditors letters to freeze my account until I find a job and I can pay it.

I was missing the £8 every month but I believed I could do nothing about it untill September this year when the receptionist finally told me I can change my account to current account.before when I asked if I can withdraw the so called 'benefits' from my account I have been told there is nothing they can do about it. but funny enough in September when I went to talk to the manager they told me I can change it to current account where I have no charges on the card.

do you know I am very angry that I have been so stupid I trusted the banks. Now because of 1year when things di not go the way they have suposed to I v lost everything.
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ps: caspar dnt worry about being nosy because I know You need to know everything about my situation to be able to help. dnt worry about asking questions cas I am happy to answer them

[di30]

Re: lloyds scums

I dont think I can close the acount as they put the loan on it. is it still possible to do that?

with the £300 they paid back all the charges what they added to my account since I have sent them the first letter and the response clearly says that they refund my overdraft charges and not the card charges what occured in 3years.

how can I make my loan interest free than - it ll be ok for next week yes.

what is CRF?
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THANKS DI but I would have never done this without Your help, so appreciate everything YOU ALL done for me.

Your very welcome and just happy to do my bit., good one X

Re: lloyds scums

Hi Eryca,

Right when you started out you had no debt, no loan and no bank account correct?

Being honest, disregarding the £8 per month that they have effectively returned via the £300 + £50 compensation, you were obviously living on a very tight budget anyway. Do you think you have managed to keep coping paying the £8 or do you think you'd have ended up taking some sort of loan anyway?

Also, if you were struggling to pay the account charge, how are you coping paying the monthly loan charge as that must be a massive draw on your money? Are you coping, or do you feel you're gradually slipping further into debt?

I'm only being so nosey as it will have a bearing on how I phrase the letter.

[eryca313]

Re: lloyds scums

just cheked my account as i wasnt sure what's happened there and realised that lloyds refunded all the overdraft they put on my account, they added £107.74 (which I have no clu what is about) but they took out straight £60 which I have no idea about what it is either....

so yes basically £300 what the bank gave me was to cover the overdraft charges which occured after I have sent the first letter to them regarding misseling the account. I was overdrawn by £348 on the end of february. by debiting £300 to my account I was -£48 overdrawn, but I just realised they refunded something worth £107.74 as well and took out £60 which completely confuses me because I have no idea whats going on.

I just wasnt sure whether they cleared my account from overdraft charges or put me in more debt I am sorry if I made you confused.

what I was trying to say was that they may had refunded the overdraft charges but not the card charges I had going on 3years.

i never heard from CRF before so I have no idea about it sorry.

I took the loan in august because they said this is the only way to get rid off the overdraft charges occured in April 2010. they took out the card charges which took me overdrawn with £8. I was unable to pay that for about a week and ended up paying about £78 +the standard overdraft charges. I was unable to pay that and in the next month I when they took out the money it took me into red again. by august I had about £400 overdraft charges which i could not pay. so when I called them in August they said the only option have left is to take a loan otherwise the charges will go on and on. so they put my credit card and the overdraft charges together into 1loan (£1400) but they still requesting me to pay for the credit card which I had to damage soon as I took the loan out.

hope that helps.

ps: i didnt call you names dnt worry and I am so sorry if I confused you

Re: lloyds scums

I dont think I can close the acount as they put the loan on it. is it still possible to do that?

with the £300 they paid back all the charges what they added to my account since I have sent them the first letter and the response clearly says that they refund my overdraft charges and not the card charges what occured in 3years.

how can I make my loan interest free than - it ll be ok for next week yes.

what is CRF?
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THANKS DI but I would have never done this without Your help, so appreciate everything YOU ALL done for me.

Couldn't agree more - Di is a gem!

Eryca - CRF is a Credit Reference File which companies refer to ifsay you wanted to buy a car on credit to see how you've managed your finances.

I'm a bit lost on the £300 now. Let me try and get this right, feel free to tell me I'm wrong!

They've admitted mis-selling you the card which you've been paying £8 a month for for 3 years (£288).

The overdraft - did this amount to £300 and they've returned the money or had you run up £300 of charges on it and they've refunded these, but your overdraft still exists? If so how much is it (send me privately if you wish).

OR You are saying you were mis-sold the account, which they have now admitted, and because the £8 permonth accumulated with you on a tight budget, it meant you went into overdraft by £x.xx and they have refunded £300 on the overdraft of either charges or effectively to reduce your overdraft to £0.00 (which is it?)

When you mention the loan, do you mean the overdraft, or have you actually taken out a loan where they gave you say £1000 and you pay back so much a month for say 24 months?

Sorry - me being thick probably, but I need it clear in my head if I'm going to write a letter.

If you want to call me nasty things, do by all means, but don't type them!

[eryca313]

Re: lloyds scums

I dont think I can close the acount as they put the loan on it. is it still possible to do that?

with the £300 they paid back all the charges what they added to my account since I have sent them the first letter and the response clearly says that they refund my overdraft charges and not the card charges what occured in 3years.

how can I make my loan interest free than - it ll be ok for next week yes.

what is CRF?
------------------------------- merged -------------------------------
THANKS DI but I would have never done this without Your help, so appreciate everything YOU ALL done for me.

[di30]

Re: lloyds scums

Well done, so happy for you, great work!

Re: lloyds scums

Hiya Stranger,

Brilliant - the letter did achieve as result afterall combined with Bill's excellent letter above.

£300 is fair compensation as you in 3 years would have paid £288.00. I'd also graciously accept their £50 compensation BUT only on condition that you spell out clearly to them as a direct result of being missold the card you had to take out a loan on which you are incurring charges. They need therefore to refund any charges and interest already paid and turn this into an interest free loan so that it puts you back in exactly the position you would have been had you not been missold the card in the first place.

Is the account now closed. If not you need to close it to avoid further charges which they would presumably continue to charge you now you know the position on the account.

I feel a letter coming on if you'd like, but I don't think I'll have chance to do it till Monday or Tuesday. All it needs to do is point out the above -ie- you should be left after their settlement in the same position you'd have been in had they not missold you the card in the first place. I think they're more likely to do this if you accept what's been offered graciously, but conditionally.

There's also the matter of your CRF - what does this look like after all of this? Are there things on it that need changing, or as an overseas student is this not applicable to you?

Caspar
xxx

[eryca313]

Re: lloyds scums

hi everybody. I v received a letter from lloyds admiting they have missold me a bank card, they apologised for many things but they also twisted my words.

they paid off the overdraft charges (what occured after I sent the first letter of) but I am not sure whether they debited £300 to my account so it has brought me back to £0 or they gave me overdraft limit of £300 (I will have to check).

they also said they will send me £50 as a compensation and if I am not happy I should contact them again or contact the FOS.

any advice how do I take it further? I paid £8 each month for 3years while I have been banking with them due to misseling the bank card, furthermore due to these card charges I have occured more bank charges which have made me take the loan as it has gone too far.

they gave me a phone number to call but do not want to talk to them on phone I will rather have black and white hard copy so I have proof about the conversation.

any suggestions?

Re: lloyds scums

Looks good to me Erica - told you I'd be lurking in the background! lol

Its clearly gone on far too long and needs sorting. This should hopefully encourage them to address things slightly faster.

Caspar
xx

ps Thanks Bill - much appreciated.

[di30]

Re: lloyds scums

Thanks for that Bill. X

[Bill-K]

Re: lloyds scums

Sign it - in BLUE ink.

Then print your name below that.

I forget exactly why......Just do it, OK ?

It's a 'photocopier-paranoia' kind of thing !!!