lloyds scums

[Caspar]

Re: lloyds scums

I'm not going down any line. I volunteered to write a letter for someone who has a lesser command of the English language, that's all, based on the fact that Lloyds have admitted misselling her an account that bore charges, and that these charges have contributed to her current position.

As she was misadvised in the first place on coming into this country, I'm taking the view that she should be put back in the position she was in before the misadvice took place. Obviously if she's been spending wildly in night clubs etc... then it's an entirely different case, but that's not the picture we're given here.

I'm very happy to pass it over to an expert if you're volunteering - I'm sure Eryca would be much better off in the hands of an expert rathr than an amateur trying his best!

[leclerc]

Re: lloyds scums

Look, Caspar the letter that lloydsTSB have sent to eryca is necessary to view prior to writing any letter because how they have worded the letter is important as to how a response is given(hopefully eryca could type it up freehand and post it up).
I stand by my comments that I do not believe that LloydsTSB will reconsider a further refund of charges based on financial hardship but I will add a caveat, the letter they wrote offering a refund of charges is important to view because of what they wrote.
Was the offer based on charged since November when they failed to respond to eryca or was it from September?
Is it based solely on "packaged account" fees or overdraft fees?

Their letter currently means that they have complied with the Lending Code and that if the OP is rejecting the offer then the full picture is required. I am pretty good at Financial hardship and the lending code Caspar but I won't write letters for anybody.


Some other facts we need to bare in mind.
1) LloydsTSB is not being used as the main bank for her money by the OP.
2) LloydsTSB have made an offer and it is important to see what exactly that is because the further £100+ of charges might be challengeable based on the first refund.
3) On the loan, no one forced the OP to sign it so I'm not sure it is reasonable to ask the bank to give an interest free loan on legitimate charges, ie where the OP had items returned on the account or where they have used the overdraft legitimately, ie within their overdraft limit.

Let's get some more info first but my first reaction in November was that it was not a hardship case. The fact that they have made an offer of money in February may not necessarily be related to hardship.

[Caspar]

Re: lloyds scums

Nattie, I agree entirely. Read my last few posts and I've been trying to find out exactly what the situation is.

I would suggest we advise Eryca to wait to send any letter for the moment.

If you're happy to, could you try and get to the bottom of what's what with this as I've already put down the situation as best I can work it out.

Once we know the situation, perhaps you could post it clearly, then I'll willingly write another letter making sure everything is right.

I'm not sure Eryca herself really knows though, so I had to make some assumptions. -eg- Was she missold a card or an account? The £300 returned - was it for the overdraft or to cover the £7.95 fees?

I don't think we're after hardship, I think it's more trying to get her back into the position she was before she was misadvised. Is this possible?

I'll leave it with you for the minute if that's OK to see what you can find from Eryca, then we can take it from there.

[leclerc]

Re: lloyds scums

If we can get either eryca to scan the letter on the forum(the last one with the offer), or if she could write it freehand excluding her personal details then the letter can be tailored to their response.

Proving misselling of a packaged current account is difficult but not impossible(ie travel insurance, AA cover and Mobile phone insurance--which requires registration) however proving why it took so long may be more difficult.

[Caspar]

Re: lloyds scums

Eryca,

As you can see we're still getting about confused over this refund. Is it possible to post up the letter this post was based on the following two posts. If you don't want them public, e-mail them to me and I'll liaise with leclerc to get it sorted out for you. If you can't scan, could you just type a copy of the letter in so we can try to work out exactly what they're doing. Thanks!



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?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.

Read more at: lloyds scums - Page 5 - Legal Beagles Consumer Forum

[eryca313]

Re: lloyds scums

Hi everybody I am sorry I was not available for a while but had a little car accident and had to deal with insurance and changed my broadband, but I am here now and ready to answer any questions.

Yes I can scan the letter no problem and to be honest I am as confused about the £300 as You are. If it is needed I can scan You the response from the letter and my bank statement where all have gone wrong following the next few month untill I took the loan.

But again,will loyds let me cancel my account with them even if I have a loan?

[eryca313]

Re: lloyds scums

On the first page they were just repeating the letter I sent them but if You need it please let me know.

[leclerc]

Re: lloyds scums

Did the loan clear your credit card?

I think the additional charges being given are in need of challenging on the basis of their letter btw.

[eryca313]

Re: lloyds scums

mostly did but I still should pay £4.98 to clear it completely.which I dont understand either

[leclerc]

Re: lloyds scums

mostly did but I still should pay £4.98 to clear it completely.which I dont understand either

The dreaded cash from the ATM on the credit card

[eryca313]

Re: lloyds scums

sorry but i dont understand

[leclerc]

Re: lloyds scums

sorry but i dont understand

Did you take out cash on your credit card?

[eryca313]

Re: lloyds scums

yes on the beginning for rent...so they paid the card off but they asking me for the charge of taking out money?

[leclerc]

Re: lloyds scums

yes on the beginning for rent...so they paid the card off but they asking me for the charge of taking out money?

It's interest on the cash amount. Usually on purchases the date the statement is produced is important. With Cash the interest is charged from the date of withdrawal to the date it's paid off. The £4.98 was the bit outstanding.

[eryca313]

Re: lloyds scums

so tis is not included in the loan but I have to pay it, or it should be included? did it not suposed to come out on that month I have used my credit card to withdraw cash?
what do I do?