Lloyds bank - Hardship Case

youatemymonkey

Hello guys.. hope someone can give me a pointer in the right direction..

I, like many, have been trying to reclaim my bank charges.

Last year i went into a debt management plan (churchwood financial) because i was struggling to make ends meet. Having contacted Lloyds who are amongst the debt management plan (£8 a month for a 700 pound debt, mostly charges)

They are now refusing to hear my case, and i am now receiving generic letters back which arnt even signed :rotfl:
Ive been sending the letters as per the usual practice. But am now at a brick wall.

Where should i go from here? i did contact the FSA in the early stages, but this didnt seem to lead anywhere. I complained before the cases were put on hold if that makes any bit of difference?

im claiming for 1300 (round figure)

Can anyone help?

gardner1

dont go overdrawn

youatemymonkey

im with hsbc as a buffer

youatemymonkey

This is the last letter i sent.

Any ideas?

Dear Sir or Madam,

Account number: x

I refer to default charges applied to my account which I have requested you pay back.

I wrote to you on 7th April, making the original request for a payment in settlement of my claim. As I have not received a satisfactory response, I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.

As stated in my previous letter I am currently with a debt management company to try and resolve my current financial difficulties, and I am struggling to now make payments due to a relationship breakdown which I also stated in my previous letter but I do not think you have taken this into consideration when looking at my compliant. This therefore makes me a hardship case.

I am writing to ask that you reconsider my complaint or I intend to take my case to the Financial Ombudsman Service.

This is based on the Unfair Terms in Consumer Contracts Regulations, as I believe these default charges are unfair and not proportionate to your costs, and therefore the Didcot Magistrates' Court will rule in my favour.

My debt management company – Chruchwood Financial has already submitted a summary of my accounts.

I look forward for a full response to this letter within seven days; otherwise I will commence court proceedings to reclaim my money.

Yours faithfully,

Previous letter

Dear Sir or Madam,

Account number: *hidden*

I am writing to inform you of recent changes to my circumstances that have significantly affected my financial position. I am now under a debt management plan with Churchwood Financial, who have supplied you with a break down of my earnings.

I am still making payments, however my debtors, including Lloyds TSB, are continuing to charge huge amounts of interest. I have struggled for the last year and now due to a recent relationship breakdown, resulting in me having to move house, I continue to struggle.

The FSA waiver states that you should continue to deal with hardship cases early, and due to said financial difficulties I am currently experiencing I believe that I should be classed as a hardship case. I therefore request that you deal with my case now rather than once the test case has ended.

The charges in question total £1600. I believe I have been unlawfully deprived of the money and therefore ask that you repay me the full amount. I also request that you repay all the default charges that have been applied to my account since 27 July 2001, stop any debt enforcement action being taken against me and stop adding any further charges to my account. I do not believe these charges reflect the true cost to Lloyds TSB of me going into unauthorised overdraft and only add to my current financial difficulties.

I look forward to a full response to this letter within 14 days.

Yours faithfully,

Mr Monkey

jos004

gardner1 wrote: »

dont go overdrawn

If you can't say anything of worth Gardner1, then simply go away.

( you must be a shareholder in these banks )

gardner1

jos004 wrote: »

If you can't say anything of worth Gardner1, then simply go away.

( you must be a shareholder in these banks )

yes i am but thats besides the point people should be responsable for their own actions, all we ever hear now is ive been mis sold this and that and i want to claim it back

youatemymonkey

well actually yes.. this was the case...
i had gone into financial difficulties.. due to a joint and severably liable debt...

i went to the bank well in advance (some 6 months before i knew id be in trouble), and let them know of my situation.... the bank were less than helpful and as things got worse.. so did the bank balance.
After being able to make payments to all the joint creditors, i was in a hole as the bank charges caused me to go overdrawn further each month.. so whilst i was making payments to start with.. this stopped due to the charges.

The bank then offered me a loan to pay back the overdraft on the account.. which the bank said i had no option but to take.. otherwise they would start legal action to cover the cost of the overdraft.(500 pound with 15% interest, i was only 19 and no advice given on those terms because of my age)
Now its all being paid off.. after taking the advice i should have been given in the first place.. id quite like to at least get some sort of repent for it

Sometimes the option of 'dont go overdrawn' isn't an option.. if the bank manager who you look to for help and advice isn't doing his job properly what else do you do?

youatemymonkey

guess not then?

natweststaffmember

Not sure what the question is but if you have priority debt arrears then you might get your case viewed earlier.

youatemymonkey

well im unsure where i should go from here.. i've been following Martins template letters to the date.. but im not receiving satisfactory responses... generic automated responses.

natweststaffmember

youatemymonkey wrote: »

well im unsure where i should go from here.. i've been following Martins template letters to the date.. but im not receiving satisfactory responses... generic automated responses.

Do you have priority debt arrears(mortgage/rent, utilities, council tax)?