Lloyds Bank - AGAIN!!!!!

bukko

I guess they are trying to involve me in a management plan so they can say the hardship is being addressed, although if they repaid the charges there would be no hardship.
Any clues as to what I should do next?

Thanks...

natweststaffmember

They will or they won't be discussing your financial hardship claim?

bukko

It looks like they want to discuss it but with their own solution, rather than adressing my request.

Widelats

bukko wrote: »

"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."

They said they had passed my details to their customer services too, gave me a 0845 number and 3 hours on the phone i hung up, nobody answered all i got was a answer machine saying they would call me back, 2 days later i got a call from them which lasted 0.02 seconds that is exactly what the time counter on my phone said, i do not know why they do this so i gave up and went to the FOS.

bukko

So what should my approach be?
Should I wait for a call or write to the FOS, or write back to LTSB saying that a refund would solve my financial difficulties, or something else?

Thanks for all the advice

Widelats

bukko wrote: »

So what should my approach be?
Should I wait for a call or write to the FOS, or write back to LTSB saying that a refund would solve my financial difficulties, or something else?

Thanks for all the advice

I would go to the FOS as i have tried all the avenues like you are now, i would save yourself headache, confusion and lots of weeks waiting for LTSB to consider you for hardship.

Just my opinions.

bukko

Widelats wrote: »

I would go to the FOS as i have tried all the avenues like you are now, i would save yourself headache, confusion and lots of weeks waiting for LTSB to consider you for hardship.

Just my opinions.

Thanks - there's no better advice than from one with experience!
Should I notify LTSB that I am contacting the FSO?

Widelats

bukko wrote: »

Thanks - there's no better advice than from one with experience!
Should I notify LTSB that I am contacting the FSO?

Up to you, i don't see the point though, the FOS will contact them.

bukko

Ok FOS form sent.
Will let you know what happens.

smiler1978

Hi all,

The letters that LTSB have sent to me are, I am sure, designed to totally confuse and bewilder everyone receiving them. LTSB are masters of sending you to 'the most appropriate dept' I have played them at their game this time, I have insisted I get named contacts for these 'most appropraite dept' although I dont expect to get it, and no doubt will get another fob off letter.

I have also gone to FSO with all letters LTSB have sent, and told LTSB that I have done so, no doubt they will point the FSO to the 'most appropriate dept' too!

Regardless of the outcome of my own claim, they cant be allowed to do this to the public. They have got a blank cheque book, with all customers names written in them, and when the banks start to get short, they start writing cheques on our behalf and disguise them as 'charges'. The banking system is more bent than the House of Commons and the House of Lords! (in my opinion)