Lloyds Bank - AGAIN!!!!!

smiler1978

I know there are probably several hundreds of people on here all just as frustrated with LTSB - but they are driving me mad!!!!

We have been several letters and telephone calls backwards between us, and all I ever get from these guys is 'its got to go to another dept' or 'its on hold for the test case' - do these people not read the information that the FSA give out? I am not a trained banker but even I can read that it says where people are in F.H the case must be looked into - even if that is just to say, we dont owe you a penny - even though on just a short add up they have charged me a total of £5000 in fees etc

These guys just seem to be able to pick up the rules and chage them as they wish, why are they allowed to get away with it all the time? I am not a person who is 'against the system', but this is just totally unfair. Why is it that when a bank is in the wrong, it is allowed to investigate the matter itself, and tell me if they are wrong - what bank in their right mind is going to admit culpability when so much is at stake?

I mean - even the Police have got an independant system for investigating when they are in the wrong?

In short - Lloyds TSB are a bunch of incompetent, irresponsible, dodging idiots! And as for the banks.....don't get me going!

Good luck to all trying to get charges back

natweststaffmember

Doesn't tell us much about your claim, really.
Do you have a claim currently?
Do you have priority debt arrears(mortgage/rent, council tax, utilities)?
Are you currently in financial hardship?

jos004

smiler1978 wrote: »

I know there are probably several hundreds of people on here all just as frustrated with LTSB - but they are driving me mad!!!!

We have been several letters and telephone calls backwards between us, and all I ever get from these guys is 'its got to go to another dept' or 'its on hold for the test case' - do these people not read the information that the FSA give out? I am not a trained banker but even I can read that it says where people are in F.H the case must be looked into - even if that is just to say, we dont owe you a penny - even though on just a short add up they have charged me a total of £5000 in fees etc

These guys just seem to be able to pick up the rules and chage them as they wish, why are they allowed to get away with it all the time? I am not a person who is 'against the system', but this is just totally unfair. Why is it that when a bank is in the wrong, it is allowed to investigate the matter itself, and tell me if they are wrong - what bank in their right mind is going to admit culpability when so much is at stake?

I mean - even the Police have got an independant system for investigating when they are in the wrong?

In short - Lloyds TSB are a bunch of incompetent, irresponsible, dodging idiots! And as for the banks.....don't get me going!

Good luck to all trying to get charges back

Smiler1978, send copies of all bog standard letters to;- Adrian Crick at the FSA. The FSA are gathering evidence against LTSB. You can get the FSA's address of their website. Their based in the London Docklands.

Good luck with your claims. We all live in hope.

I see the National Australian Bank - NAS are scrapping bank charges, as of 1st October 2009. They own Yorkshire and Clydesdale bank in the UK.

delerium

Have just started a thread questioning about hardship but it is lloyds that I am struggling with.

If I send copies of all the palm off letters I have had to the FSA I would at least be helping them with their case against LLoyds? added bonus if I get something.

smiler1978

Doesn't tell us much about your claim, really.
Do you have a claim currently?
Yes I do, and I have told Lloyds that I am in F.H - but their answer is 'We are not making ANY decisions or looking at ANY cases until the test case result.
Do you have priority debt arrears(mortgage/rent, council tax, utilities)?
Yes, my utilities bills are all in arrears, payment plans with water and energy companies - copies of the letters from these companies are going off to Lloyds today
Are you currently in financial hardship?
Yes, currently in a DMP to help me try and resolve all of my issues - it seems that no matter where you look on here, Lloyds are by far the least co-operative of all the high street banks!

natweststaffmember

They may well say no because the arrears are being paid off and the debt management plan is in place meaning that the financial hardship is being managed. That is what I think they will say and why.

smiler1978

Right ok, I see - so this takes me back to my original post, which I was just using to vent my anger at Lloyds.

Why are the banks allowed to get us into this mess in the first place, but then struggle and wriggle in every which way possible as soon as someone cottons on to the fact that they are taking us for a ride. I think at one point late last year, I had a balance of approx £2.00 in my Lloyds account, they took a DD out for the normal account fees for having that type of Lloyds account - by doing so THEY sent me over my balance, and into the red by £5.00. Instead of doing what they would do with a normal DD (bounce it) they allowed the DD to clear, without my knowledge, then sent me a letter over a week later to tell me they were chargin me £35 for going into an unplanned OD - and they were charging me DAILY from the day it happened - but there was no immediate notification of this occurence. Anyway long story short etc....they finished up charging £70 for £5.00 !!!!!!!!!

Please Natweststaffmember - this is not aimed at you, sorry if it sounds that way, but the whole system stinks - the banks can do what they want and no one is ever going to stop them.....I only wish I was a bank manager!

natweststaffmember

LloydsTSB are apparently being investigated over their charges SINCE the waiver came in according to The Daily Mail yesterday so the FSA may take action on this breach of the waiver.

bukko

I'm in the same boat.
Just got a reply (2 replies actually - 1 for each account) from Lloyds TSB.
The gist of the letters is that all such enquiries are on hold, pending the outcome of the court case.
However, it also says:
"From what you've said in your letter, or from initial investigations we have carried out, it may also be that you are experiencing financial difficulties."
They then go on about their customer support unit.
What should my next step be?

Thanks...

natweststaffmember

bukko wrote: »

I'm in the same boat.
Just got a reply (2 replies actually - 1 for each account) from Lloyds TSB.
The gist of the letters is that all such enquiries are on hold, pending the outcome of the court case.
However, it also says:
"From what you've said in your letter, or from initial investigations we have carried out, it may also be that you are experiencing financial difficulties."
They then go on about their customer support unit.
What should my next step be?

Thanks...

What does it say about their customer support unit?

bukko

"We want to help if our customers are in financial difficulty or hardship. So that we can see if there's anything we can do, we've sent a copy of your letter to our Customer Support Unit. They are experts at dealing with people who are in financial difficulty or hardship. This means they can help you review your finances to see if there's anything we can do so you can meet your financial committments. They can also discuss a variety of repayment solutions for you. If they haven't already been in touch with you to discuss your financial position they will be in contact within a week.
The Customer Support Unit is there to assist customers who know they are going to be in financial hardship or have difficulties sometime in the near future which will impact on their ability to maintain their current Lloyds TSB committments. They will discuss a variety of sustainable repayment solutions for you. They wont [sic] be discussing the charges covered by the OFT waiver. It would be helpful if you could have your up to date income and expenditure details to hand ready in preparation for the call."