YOUR Lloyds TSB Bank experiences for hardship.

Widelats

This is for everyone trying to claim hardship from Lloyds TSB,I have given up on my claim but I am wondering if anyone else has had the same problems I had:

I just heard from MSE with Lloyds basically saying they did try contact me to him, and said they did on numerous occasions try to phone me, and they did not think I was in hardship - I got confused at their lies again, but not surprised really.

I was so hard up I tried to claim back only £60 in charges, I was living near destitution, had bills and arrears up to my neck and considered myself in hardship, was I right?

1. When you say your in hardship, you get a standard letter in response what does NOT include a expenses form so they can consider it.

2. I got told my claim was sent to Customer services Dept. a 0845 number, I tried to get through but in the end all I got was a answer machine asking me to leave my details and they would get back to me.

3. When they eventually do call back, as soon as I accept the call it cuts off - no call in reality just a automated call, my guess is this call goes on their records as “proof” that they did try to call when they had no intentions of calling. Am I right here?

4. All letters make no sense from them and beat about the bush to the extent that it is laughable at what they are trying to make you believe.

5. Lloyds say they do not think I am in hardship (when I obviously was) so how on Earth do they get this conclusion if they wont even send me a expenses form in the first place?

Hope I am not the only person to be messed about by Lloyds like this, if you have similar experiences please put them here.

Thanks.

natweststaffmember

Widelats, can you check that post, £60.00?

Widelats

natweststaffmember wrote: »

Widelats, can you check that post, £60.00?

£60 yes, i was being threatened with eviction from my landlord, rent issues, arrears, i did not have even £5 to give him.

natweststaffmember

Widelats wrote: »

£60 yes, i was being threatened with eviction from my landlord, rent issues, arrears, i did not have even £5 to give him.

Where was the bulk of your bank charges incurred from?

Widelats

natweststaffmember wrote: »

Where was the bulk of your bank charges incurred from?

Do you mean what was i charged for? PayPal errors, and some insurance what Lloyds decided to stick on my account when i opened it i cancelled it within 1 month i did not have a clue what she was talking about when i opened the account. I had no idea they wanted direct debit payments.

So was i in the right to claim hardship here NWSM? Or what? And have they made sure i could not claim by not calling me?

natweststaffmember

Widelats wrote: »

Do you mean what was i charged for? PayPal errors, and some insurance what Lloyds decided to stick on my account when i opened it i cancelled it within 1 month i did not have a clue what she was talking about when i opened the account.

So was i in the right to claim hardship here NWSM? Or what? And have they made sure i could not claim by not calling me?

What I meant was that if the charges were £60.00 alone then it would surprise me that they contributed to the priority debt arrears and that it would mean another account has been the cause. I gotta to say that I didn't like what happened to you re the phone call because simply ringing and hanging up is very strange to me.

Widelats

natweststaffmember wrote: »

What I meant was that if the charges were £60.00 alone then it would surprise me that they contributed to the priority debt arrears and that it would mean another account has been the cause. I gotta to say that I didn't like what happened to you re the phone call because simply ringing and hanging up is very strange to me.

They did contribute, i am on benefits i was left with no cash to pay rent or bills and it started to spiral out of control when they charged me, it upset the whole balance of what i was paying out.

Thats what happened with the call, truth of it.

natweststaffmember

Widelats wrote: »

They did contribute, i am on benefits i was left with no cash to pay rent or bills and it started to spiral out of control when they charged me, it upset the whole balance of what i was paying out.

Thats what happened with the call, truth of it.

"2.
In making an assessment of financial difficulty the firm will take into account:
a.
evidence of changes in lifestyle, including loss of employment; disability; serious illness; imprisonment; relationship breakdown; death of a partner; starting a lower paid job; parental/carer leave; and starting full-time education;
b.
evidence of the following events:
i.
items repeatedly being returned unpaid due to lack of available funds;
ii.
failing to make loan repayments or other commitments;
iii.
discontinuation of regular credits;
iv.
notification of some form of insolvency or court proceedings;
v.
regular requests for increased borrowing or repeated rescheduling of debts;
vi.
making frequent cash withdrawals on a credit card at a non-promotional rate of interest; and
vii.
repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty)."

Have you got a 2(a) which is a lifestyle change for the reason the money wasn't in the account plus a 2(b){I think you have a 2(b) (ii)}

Widelats

natweststaffmember wrote: »

"2.
In making an assessment of financial difficulty the firm will take into account:
a.
evidence of changes in lifestyle, including loss of employment; disability; serious illness; imprisonment; relationship breakdown; death of a partner; starting a lower paid job; parental/carer leave; and starting full-time education;
b.
evidence of the following events:
i.
items repeatedly being returned unpaid due to lack of available funds;
ii.
failing to make loan repayments or other commitments;
iii.
discontinuation of regular credits;
iv.
notification of some form of insolvency or court proceedings;
v.
regular requests for increased borrowing or repeated rescheduling of debts;
vi.
making frequent cash withdrawals on a credit card at a non-promotional rate of interest; and
vii.
repeatedly exceeding a credit card or overdraft limit without agreement (and, in this regard, where a complainant has incurred over £500 in unauthorised overdraft charges in the previous 12 months, that is to be treated as indicative of financial difficulty)."

Have you got a 2(a) which is a lifestyle change for the reason the money wasn't in the account plus a 2(b){I think you have a 2(b) (ii)}

Money wasn't in the account as it was spent on food as usual LOL i never had any cash to start with. Lifestyle changes - well, going homeless and into homeless hostel, etc etc etc,

So this in my case, you would say IS financial hardship?

natweststaffmember

Widelats wrote: »

Money wasn't in the account as it was spent on food as usual LOL i never had any cash to start with. Lifestyle changes - well, going homeless and into homeless hostel, etc etc etc,

So this in my case, you would say IS financial hardship?

Gut feeling, and remember I am not the bank charges god which means I can be wrong, but I would be surprised if they paid out.

Widelats

natweststaffmember wrote: »

Gut feeling, and remember I am not the bank charges god which means I can be wrong, but I would be surprised if they paid out.

Well i am totally lost then, i think tis IS financial hardship, no matter how its looked at.