lloyds scums

[di30]

Re: lloyds scums

Your very welcome.

I normally sign mine to be honest, but see what everyone else thinks if you want more opinions.

Good luck.

[eryca313]

Re: lloyds scums

one more question, do I have to sign it or just type my name on the letter?

[eryca313]

Re: lloyds scums

agree Di, and I am extremely thankful for everybody who helped me with the case. I know I hv not won yet, but I trully appreciate what You guys did for me just to get this far.

I will send the letter and will see whats happening. keep You updated :hug:

[di30]

Re: lloyds scums

eryca

amazing or what.

I'm sure this letter Bill have done for you will work wonders.

Thank you so much Bill and you dealt with this very quickly too, so grateful, a true diamond, THANK YOU..

Good luck eryca XX

[eryca313]

Re: lloyds scums

thanks this is a BRILLIANT letter. I just hope leclerc and Caspar agrees with it
Appreciate Your help Bill-K:whoo:

[Bill-K]

Re: lloyds scums

Hi Eryca, Di has asked me to take a look and see if I can help with a letter. It appears that you sent LTSB the excellent letter which Caspar suggested in post #57 in November last year.

My suggestion would be that you send them a copy of that letter (marked 'COPY LETTER') - along with an up to date IE sheet. Attach this to a covering letter, explaining that you are still awaiting their proper response to this. Send this to the person who sent you the acknowledgement of that letter - BY NAME. Something like this, perhaps:-

Dear XXXX

Please find attached a copy of the letter I sent to LTSB in November 2010, explaining my financial circumstances, suggesting a remedy, and asking for assistance and a response to this.

Your letter of XX/XX/XX confirmed that you were looking into this for me, and that I would receive a response. To date, I have had NO FURTHER RESPONSE from you about this.

As it has now been OVER THREE MONTHS since I sent the letter originally, I must respectfully but firmly insist that you respond immediately. I am sure that you will agree that this matter has gone on for far too long, now, as your non-response is clearly in breach of the Banking & Lending Codes.

Please find attached a revised copy of my IE sheet for your attention.

Please also be aware that, if I do not receive a timeous response to this communication, or to any future communications with you, then I will be forced to assume that you are not prepared to enter into a proper dialogue with me over this matter. In such circumstances, it will be deemed that you have confirmed, by default, that you are not interested in resolving this problem - nor in recovering any alleged debt.

I am sorry to have to take this stance with you, but you seem to have left me no other choice.

If you continue to make charges to the account and send me demands for payment, yet you ignore my attempts to resolve matters, then your conduct thus far will clearly not be seen in a very good light by either the FOS - nor the Courts. I would therefore suggest that you consider it in your OWN interests to now deal with this matter in a reasonable manner, and I look forward to your considered response.

I thank you in anticipation of that.

Yours sincerely

XXXXXX

I hope this is something along the lines of what you need, Eryca. Please allow others such as Leclerc & Caspar some time to make suggestions/alterations - or trash it, if need be !!!

[di30]

Re: lloyds scums

Not a problem.
I have left a message and your link on your behalf and maybe you should receive a response later on sometime, will keep a check on your link, or meanwhile someone else may be along who is good at putting letters together.

[eryca313]

Re: lloyds scums

that is very nice of You, thank You appreciate it

[di30]

Re: lloyds scums

Hiya

I will have a word with someone on here about putting a letter together for you, is that ok?

[eryca313]

Re: lloyds scums

would you be able to help me with the letter I have to send now? because I think sending the same letter one more time will not have the same effect. also what letter should I send to FOS the original copy of the complaint I sent first time or this will be a different one as well?
thank you

[di30]

Re: lloyds scums

yeas they have sent me a separate letter to sign and yes I have contacted national helpline but I have not received anything from them since November....

should I send Lloyds another letter?

Hi
Yes you could and post it by signed for/recorded delivery, you can therefore check the status of delivery/proof on The Royal Mail website, Track & Trace.

I know Lloyds can be hard work and it takes lots of keeping on at them, if they refuse to help which is putting you in any hardship difficulties maybe you could complain to the financial ombudsman service (FOS), because the longer it goes on the charges will raise, the quicker they deal with it and help this could all be avoided.

[eryca313]

Re: lloyds scums

yeas they have sent me a separate letter to sign and yes I have contacted national helpline but I have not received anything from them since November....

should I send Lloyds another letter?

[di30]

Re: lloyds scums

There's no PPI on that account. I have a lloydstsb loan and that is the format they use and does not include PPI

Cheers leclerc, they certainly have changed the look on the agreements now it seems.
But your right, I can't see they added ppi either.

So your unable to make a claim for redundancy, as there is no cover on this.

If your having difficulties with having to pay your finance, have you tried contacting the free debt organisations?
Sorry if you have already posted up and mentioned this.

Check the nationaldebtline, they also have some useful letters to send to creditors, but hopefully someone will have better advice to give than myself here on this site, worth checking it out though, and there are other free debt organisations as well.

http://www.nationaldebtline.co.uk/

http://www.cccs.co.uk/

http://www.payplan.com/

Try not to go with organisations that charge though, the above are all free.

[di30]

Re: lloyds scums

Thanks for this.
These agreements looks lots different now, did they also give you one to sign?

[leclerc]

Re: lloyds scums

There's no PPI on that account. I have a lloydstsb loan and that is the format they use and does not include PPI