Account on block and no understanding as to why...

LondonGirl08

I have three accounts with Lloyds, one graduate, one savings and one current.

I have a £2k overdraft on the graduate and because of Lloyds charges when I was going through some really hard financial times It's £200 over the overdraft because of the bank's bloody charges. However I have been paying this off (and the lady on the phone said that they had acknowledged this and they really appreciate it).

My savings account is fine, had £50 in it and transferred this today into my graduate account and paid off £50 of the debt and yesterday I paid another £100 towards it from my current account.

And my current account has no overdraft on it, I got paid yesterday £1200. Budgeted my life out and found how much I could pay towards my various bills etc and budgeted in a treat for myself (to go and see my friend in London to celebrate her finishing university) and that was fine.


So got to the train station and my card is rejected. Tried again... rejected.

Went to a cash point and it wouldn't even tell me my balance. Went over to a Lloyds TSB cashpoint which said I have £900 odd available (I had paid my rent yesterday) but again wouldn't let me withdraw anything. Came home and tried online and I could trasnfer money from my savings but anything from my current account I just get ERROR!

Called the bank and the lady said there was no information whatsoever. Everything should be working fine, even with my graduate account status they wouldn't and shouldn't have frozen it . She had no idea and said that she would get someone to phone me back and get the block off but that was two/three hours ago and nothing.

My online banking is still up the creek and now I am missing out on a trip I have been looking forward to and saving little bits and pieces up as much as I could over the last two months. I can't get any money out, I have to pay for my bus pass, various bills etc and I can't.


Anybody got any idea what's going on?

TheEffect

LondonGirl08 wrote: »

I have three accounts with Lloyds, one graduate, one savings and one current.

I have a £2k overdraft on the graduate and because of Lloyds charges when I was going through some really hard financial times It's £200 over the overdraft because of the bank's bloody charges. However I have been paying this off (and the lady on the phone said that they had acknowledged this and they really appreciate it).

My savings account is fine, had £50 in it and transferred this today into my graduate account and paid off £50 of the debt and yesterday I paid another £100 towards it from my current account.

And my current account has no overdraft on it, I got paid yesterday £1200. Budgeted my life out and found how much I could pay towards my various bills etc and budgeted in a treat for myself (to go and see my friend in London to celebrate her finishing university) and that was fine.


So got to the train station and my card is rejected. Tried again... rejected.

Went to a cash point and it wouldn't even tell me my balance. Went over to a Lloyds TSB cashpoint which said I have £900 odd available (I had paid my rent yesterday) but again wouldn't let me withdraw anything. Came home and tried online and I could trasnfer money from my savings but anything from my current account I just get ERROR!

Called the bank and the lady said there was no information whatsoever. Everything should be working fine, even with my graduate account status they wouldn't and shouldn't have frozen it . She had no idea and said that she would get someone to phone me back and get the block off but that was two/three hours ago and nothing.

My online banking is still up the creek and now I am missing out on a trip I have been looking forward to and saving little bits and pieces up as much as I could over the last two months. I can't get any money out, I have to pay for my bus pass, various bills etc and I can't.


Anybody got any idea what's going on?

As it's saturday, you're out of luck as I was going to say go into a branch with ID and they'd get money out for your. Ring back Lloyds TSB now and demand to speak to the supervisor. They will get things sorted MUCH quicker then a standard CS helper.

LondonGirl08

Well I phoned back and got quite a rude person who was like... well I can't do anything about it. I haven't got enough info, you need to phone the collections department and they aren't open till tomorrow.

Tried the number and lo! and behold they were open. The guy was dead helpful and said that they had frozen the account as they couldn't off set because the accounts were different. Was shocked to find out that the agreement I had made on the phone with someone in Mumbai a couple of months ago had never been registered on their system.. so i've been mooching around giving them their pound of flesh and it's meant absolutley nothing.

They've got an agreement set up for me now, the guy increased my overdraft so I won't be over now and has agreed a six month plan to slowly bring it down. However he did say it may be Tuesday before I can even attempt to try and take money out of my current account and even then I might need a new debit card.

Dad's lent me a tenner to get to work tomorrow and I've made my sarnies so I have something to eat at least.

I'm just shocked that they would go to such lengths to freeze my account and my previous conversation with someone at Lloyds has never even been recorded. I'm still stupidly angry at missing out on going to London but I guess I saved myself money even if I haven't been able to see my best friend in two months.

LondonGirl08

Well... thought you might like to know what happened.

Anyway, tried my card on Monday still not working so when I got home from work I got on the phone and got put through to a foreign call centre. Woman didn't tell me her name and insisted on talking over me. She didn't have updated notes and said that the baliffs would be coming around and told me to, and I quote, "sort my life out". She was rude as hell and said to me, despite sorting it out the day before my account would be frozen until I paid x amount into the other account.

Me -"How can I do this when you've frozen all my funds!?"
Unnamed lady -"I don't know, something you will have to work out yourself!"
Me - "Bit of a catch 22 don't you think?"
UL - "Well you should have set up an agreement sooner."
Me - "I had but nobody wrote anything in the notes. I'm guessing they couldn't be bothered."

Then she hung up on me.

My friend gave me the direct line for a Welsh call centre that deals with premier accounts. They were WONDERFUL. They not only told me who to phone to get my account off block (Rather than traipsing 50 odd miles to my branch) and they reported the lady that was rude.

Called up my branch, they took the block off and when I got home not only is the block off but they reimbursed me all £125 of my charges I got this month.

If that's not an admission of guilt then I don't know what is! Feeling so much better for it now and that pays for my festival ticket I just bought.