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  • FIRST POST
    • moneysavvy35
    • By moneysavvy35 13th Mar 17, 6:28 PM
    • 339Posts
    • 145Thanks
    moneysavvy35
    Bank admit I was misold but money ever taken for fees
    • #1
    • 13th Mar 17, 6:28 PM
    Bank admit I was misold but money ever taken for fees 13th Mar 17 at 6:28 PM
    Hello

    I submitted a claim for a misold bank account.

    Lloyds agree the bank misold the account to me and upheld my complaint. However for whatever reason the bank never took association charges for the miss sold account. I held this account since 2001 unbeknowns to me.

    Anyhow the bank are saying as they never charged me for the misold bank account I am not due anything...(which technically is correct) however I feel like I was hoodwinked and the account changed without my full knowledge.

    Do you think I should persue with the fca for some kind of goodwill payment?
Page 1
    • PeacefulWaters
    • By PeacefulWaters 13th Mar 17, 6:30 PM
    • 6,204 Posts
    • 7,566 Thanks
    PeacefulWaters
    • #2
    • 13th Mar 17, 6:30 PM
    • #2
    • 13th Mar 17, 6:30 PM
    Hello

    I submitted a claim for a misold bank account.

    Lloyds agree the bank misold the account to me and upheld my complaint. However for whatever reason the bank never took association charges for the miss sold account. I held this account since 2001 unbeknowns to me.

    Anyhow the bank are saying as they never charged me for the misold bank account I am not due anything...(which technically is correct) however I feel like I was hoodwinked and the account changed without my full knowledge.

    Do you think I should persue with the fca for some kind of goodwill payment?
    Originally posted by moneysavvy35
    Ask Lloyds for the 20 you're likely to get if you refer to the FOS.

    The FCA don't handle complaints.
    • Shakin Steve
    • By Shakin Steve 13th Mar 17, 7:22 PM
    • 743 Posts
    • 533 Thanks
    Shakin Steve
    • #3
    • 13th Mar 17, 7:22 PM
    Compensation claim
    • #3
    • 13th Mar 17, 7:22 PM
    When I was a kid, say, 7 or 8 years old, my mum used to give me two bob (10p for you youngsters) pocket money. All good so far but here's the rub: she MADE me save a tanner(2.5p) of it in my money box. Now I had no choice in this matter, this savings account was forced upon me. When I needed something, like some marbles or a dead cat, she would occasionally allow me to withdraw some cash from the money box. Of course, most of these things either broke or got lost. Should she have foreseen this and offered advice on the matter?
    Does anyone think I have a case for compensation? She gets a fairly good pension and she hardly spends any of it anyway.
    I came into this world with nothing and I've got most of it left.
    • masonic
    • By masonic 13th Mar 17, 7:45 PM
    • 9,126 Posts
    • 6,261 Thanks
    masonic
    • #4
    • 13th Mar 17, 7:45 PM
    • #4
    • 13th Mar 17, 7:45 PM


    Very good. Compensation for being "missold" a free bank account. Next we'll have someone wanting to sue Facebook because they signed up and then realised they didn't have any friends.
    • Ben8282
    • By Ben8282 13th Mar 17, 8:04 PM
    • 1,807 Posts
    • 759 Thanks
    Ben8282
    • #5
    • 13th Mar 17, 8:04 PM
    • #5
    • 13th Mar 17, 8:04 PM
    Don't know what 'association charges' are but if you have never paid them how can you claim them back?
    I cannot believe that your account was changed to a fee paying account without your 'full' knowledge.
    What do you mean by this exactly? That the account was changed with your partial knowledge?
    • moneysavvy35
    • By moneysavvy35 13th Mar 17, 8:04 PM
    • 339 Posts
    • 145 Thanks
    moneysavvy35
    • #6
    • 13th Mar 17, 8:04 PM
    • #6
    • 13th Mar 17, 8:04 PM
    i take it that's a no then....
    • moneysavvy35
    • By moneysavvy35 13th Mar 17, 8:10 PM
    • 339 Posts
    • 145 Thanks
    moneysavvy35
    • #7
    • 13th Mar 17, 8:10 PM
    • #7
    • 13th Mar 17, 8:10 PM
    Don't know what 'association charges' are but if you have never paid them how can you claim them back?
    I cannot believe that your account was changed to a fee paying account without your 'full' knowledge.
    What do you mean by this exactly? That the account was changed with your partial knowledge?
    Originally posted by Ben8282
    Sorry let me explain even though I got know not to waste my time trying to get a lil change from the bank........I never knew I had the account - the banker at the time told me I would need to go for this one to access a loan...I never agreed to this and I never did take out a loan.
    • veryintrigued
    • By veryintrigued 13th Mar 17, 8:13 PM
    • 1,905 Posts
    • 1,149 Thanks
    veryintrigued
    • #8
    • 13th Mar 17, 8:13 PM
    • #8
    • 13th Mar 17, 8:13 PM
    Has society really come to this?
    Last edited by veryintrigued; 13-03-2017 at 8:23 PM.
    • moneysavvy35
    • By moneysavvy35 13th Mar 17, 8:30 PM
    • 339 Posts
    • 145 Thanks
    moneysavvy35
    • #9
    • 13th Mar 17, 8:30 PM
    • #9
    • 13th Mar 17, 8:30 PM
    Has society really come to this?
    Originally posted by veryintrigued
    Not generally speaking. I just wondered is all....
    • meer53
    • By meer53 13th Mar 17, 9:09 PM
    • 8,658 Posts
    • 12,500 Thanks
    meer53
    Always best to check you've paid for something before trying to claim it back saying you were missold. Dur.
    • Chalkius
    • By Chalkius 14th Mar 17, 3:39 PM
    • 34 Posts
    • 8 Thanks
    Chalkius
    You can take it to the FOS but I don't see what your claim is for, you were missold something yet, but you were never charged for it....
    • teddysmum
    • By teddysmum 14th Mar 17, 3:46 PM
    • 7,444 Posts
    • 4,374 Thanks
    teddysmum
    When I was a kid, say, 7 or 8 years old, my mum used to give me two bob (10p for you youngsters) pocket money. All good so far but here's the rub: she MADE me save a tanner(2.5p) of it in my money box. Now I had no choice in this matter, this savings account was forced upon me. When I needed something, like some marbles or a dead cat, she would occasionally allow me to withdraw some cash from the money box. Of course, most of these things either broke or got lost. Should she have foreseen this and offered advice on the matter?
    Does anyone think I have a case for compensation? She gets a fairly good pension and she hardly spends any of it anyway.
    Originally posted by Shakin Steve

    And what about a claim for cruelty when she made you eat your sprouts if you wanted any pudding ?
    • le loup
    • By le loup 14th Mar 17, 5:18 PM
    • 3,496 Posts
    • 3,272 Thanks
    le loup
    This is similar to yesterdays thread where someone was going to claim PPI misspelling on an account she never had!
    I see the "authorities" have pulled the thread. It will only damage MSE if the fraudsters take over the farm.
    • Shakin Steve
    • By Shakin Steve 14th Mar 17, 6:07 PM
    • 743 Posts
    • 533 Thanks
    Shakin Steve
    And what about a claim for cruelty when she made you eat your sprouts if you wanted any pudding ?
    Originally posted by teddysmum
    I'll get the financials sorted first, before I start on me umin rights.
    I came into this world with nothing and I've got most of it left.
    • EarthBoy
    • By EarthBoy 14th Mar 17, 9:24 PM
    • 1,674 Posts
    • 997 Thanks
    EarthBoy
    ..I never knew I had the account - the banker at the time told me I would need to go for this one to access a loan...I never agreed to this and I never did take out a loan.
    Originally posted by moneysavvy35
    Whether you knew you had it or not is irrelevant. The bank didn't charge you for it, so you haven't suffered any detriment by having it, so there's nothing to compensate you for.
    • paragon909
    • By paragon909 14th Mar 17, 10:14 PM
    • 1,196 Posts
    • 1,210 Thanks
    paragon909
    What is the point of this thread,

    The title is a contradiction enough, Clearly the OP isn't playing with a full deck.
    • GingerFurball
    • By GingerFurball 14th Mar 17, 11:21 PM
    • 869 Posts
    • 848 Thanks
    GingerFurball
    What financial loss have you suffered by having an account you weren't paying for?
    DEBT FREE!

    Debt free by Xmas 2014: 3555.67/4805.67 (73.99%)
    Debt free by Xmas 2015: 1250/1250 (100.00%)
    • eskbanker
    • By eskbanker 15th Mar 17, 12:25 AM
    • 4,430 Posts
    • 4,151 Thanks
    eskbanker
    someone was going to claim PPI misspelling
    Originally posted by le loup
    "Dear Sirs,

    I wish to complain about my PPI.

    You appear to have sold me PIP instead.

    If you don't sort this out I'm going to the OSF...."
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