lloyds scums

[leclerc]

Re: lloyds scums

Oh and 1 more thing.when Lloyds pressured me to take the loan which should clear my credit card and the overdraft charges I was suposed to pay one amount to cover both cards. 2months after the bank started sending me balance of my credit card saying I still have to pay £5 extra on my credit card;what I had to cut to make sure I wont use again, and what suposed to be paid by my loan I had to take. they keep sending me letters regarding the credit card as well.

Is this procedure right?

Loan aren't priority debts and credit cards aren't either. I don't believe the bank held a gun to your head to sign the loan so let's stick to the fact of breach of priority debts. Those two letters by the way are very very good evidence so please make sure you take a copy of each letter to send to the bank. Hang on one minute while I get you the breach of the lending code.
------------------------------- merged -------------------------------
"137. Subscribers should be sympathetic and positive when considering a customer’s financial difficulties. Although there is an onus on customers to try to help themselves, the first step, when a subscriber becomes aware of a customer’s financial difficulties, should be to try to contact the customer to discuss the matter. This applies to both personal and
micro-enterprise customers. "

Section 9 starts by saying the above(link is on my signature so please read chapter 9.
You have helped yourself, ie you've contacted creditors for help. Are they charging you for non payment?
Have they made a real attempt to make contact either (a) by phone or (b) inviting you into the branch to discuss issues?

[eryca313]

Re: lloyds scums

Oh and 1 more thing.when Lloyds pressured me to take the loan which should clear my credit card and the overdraft charges I was suposed to pay one amount to cover both cards. 2months after the bank started sending me balance of my credit card saying I still have to pay £5 extra on my credit card;what I had to cut to make sure I wont use again, and what suposed to be paid by my loan I had to take. they keep sending me letters regarding the credit card as well.

Is this procedure right?

[eryca313]

Re: lloyds scums

I have already canceled all my payements and sent letter to 2 creditors both of them came back saying they cant help..... - but that can wait

so You recommend me to send another letter to Lloyds as a reminder and tell them they have not responded positively according to the lending code? or what kind of letter did you mean?

[leclerc]

Re: lloyds scums

yes I do now as I am out of work havnt paid my rent in 2months and nothing towards utilities.

does this letter counts as the necessary response within 14 days or because they have not responded since, is it breaching the agreement?

the only other letter they sent was an information about that they are covered by FSCS and in case they found to be "guilty" I can be entitled to claim up to £85k. but the rest is really payment request

What you need to do is to cancel all non essential payments from your account. You need to write to the bank again, explaining how the charges you are receiving on your account are impacting on your ability to pay your bills and feed yourself. Include evidence and if you are in arrears with the rent and utilities, what have you done to alleviate them?
Have you claimed Housing Benefit or Local Housing Allowance(if you're a private tenant)?
Have you looked into any of the hardship funds that energy companies have to help with bills?

I should add that the bank have failed miserably to respond positively as they should do under the Lending Code.

[eryca313]

Re: lloyds scums

yes I do now as I am out of work havnt paid my rent in 2months and nothing towards utilities.

does this letter counts as the necessary response within 14 days or because they have not responded since, is it breaching the agreement?

the only other letter they sent was an information about that they are covered by FSCS and in case they found to be "guilty" I can be entitled to claim up to £85k. but the rest is really payment request

[leclerc]

Re: lloyds scums

i think did - but to be honest it was long time ago cant remember

the response was that they sending the letter to Bristol and I should get an answer in few days, during that time I shoould read the voicing your concerns document. nothing came back regarding the complaint since, but i did receive letters regarding missed payements and that I have to pay unless I want them to send my case to debt collection agencies.

I really had enough of them

Do you currently have arrears on priority creditors, ie rent/mortgage, council tax, utilities?

And they should have properly responded to you at the time. The DCA threats we will leave that to one side for the time being....

[eryca313]

Re: lloyds scums

i think did - but to be honest it was long time ago cant remember

the response was that they sending the letter to Bristol and I should get an answer in few days, during that time I shoould read the voicing your concerns document. nothing came back regarding the complaint since, but i did receive letters regarding missed payements and that I have to pay unless I want them to send my case to debt collection agencies.

I really had enough of them

[leclerc]

Re: lloyds scums

can anyone help me with Lloyds plese? I have sent them a complaining letter back in November which they have answered to saying they will look into my case, however since than only thing I get is notification that I have to pay them asap otherwise be facing bailifs.

I have been made redundant and have no income what so ever yet and did not find any jobs.I feel like I have been robbed by lloyds mistreated and I want to get my money back.

I dont know if I have to send another letter to Lloyds or send it straight to the ombudsman.

thank you for help

Did you send the income and expenditure sheet to lloyds?
What was their response to that i&E form?

[di30]

Re: lloyds scums

Hiya

This sounds just like Lloyds!

Complain to them and tell them you have already sent them a number of letters explaining your current situation, also mention you don't feel your being treated fairly. (They do have a lenders code to follow).
Then inform them of the Financial Ombudsman Service (FOS) if this continues, as your trying your damn best in dealing with the situation.

Meanwhile I'm sure someone will be along soon to give further advice on this for you, good luck.

[eryca313]

Re: lloyds scums

can anyone help me with Lloyds plese? I have sent them a complaining letter back in November which they have answered to saying they will look into my case, however since than only thing I get is notification that I have to pay them asap otherwise be facing bailifs.

I have been made redundant and have no income what so ever yet and did not find any jobs.I feel like I have been robbed by lloyds mistreated and I want to get my money back.

I dont know if I have to send another letter to Lloyds or send it straight to the ombudsman.

thank you for help

[eryca313]

Re: lloyds scums

But back to my case as David left us is anybody who could give me some help how to get my money back from lloyds? I already send lLoyds a letter but need a bit more help.....please people

[eryca313]

Re: lloyds scums

your body is clearly acidic and I know you believe in medications but I dont. I am doing my dissertation on drugs and medications and it is not real I found out. the main thing is if you want to lose wait but you are taking medications it will more than likely to affect the process.
also if you can send me what you mean by eating healthily, so I can take a look. 6-10miles a day is very good keep that up and if you want to go for a walk in some forest , it will genuinely clear your mind.
but to be honest believe it or not mind training and meditation can really help.

again medications can increase water tension in your body and make you piling weight on. i genuinely recommend you to start meditating and thinking about you in perfect shape, work on your mind and reduce medications slowly, but keep up with healthy eating and exercise because it is good for you.
weatgrass and spirulina you want to google - super foods and eat as much vegetables and fruits as possible.

Re: lloyds scums

I think everyone on this site is in good hands. May take you up on healthy lifestyle. I walk about 6-10 miles a day with the real Caspar and eat healthily. However due to medication I am piling on weight which I hate. Anything more I can do, or do I just accept it.

[eryca313]

Re: lloyds scums

I see... you have got a quiet big case going on dont you? but I reckon You are in good hands. I also wish I could help you but unfortunately I know very little about law, especially if is about finance. I could give you some health tips - healthy lifestyle. If you need help with this am your person

Re: lloyds scums

I feel I am done with credit cards, loans or anything else what can put me into hardship, I learned a lesson and I am not going to make the same mistake again.

Hi. Yes, I totally respect and empathise with your sentiments.