Has your bank (esp Lloyds) ignored your hardship claim?

natweststaffmember

rossi_nut_46 wrote: »

LLOYDSTSB love to ignore long standing customers. Both myself and husband are now unemployed i am on incapacity benefit and he is on jobseekers (both through redundancy)LLoyds have had our combined wages into current accounts for over 25 years however they chose to ignore our requests for a refund of our bank charges saying that we were no longer customers and then sent us a booklet on how to manage our accounts. They wont even acknowledge we are in hardship.They havn't even sent us a form to fill in for our monthly expenditure.It is just laughable especially as today in the Sun RBS Natwest have said that they are reducing their fees to just £5.
Are LLOYDS just waiting to get enough interest on everyones fees knowing full well they will have to give them back sooner or later. We are still trying to get replies but they ingore us.

RBS/NatWest are being very cunning so not sure you need to think too much about the Sun article. Did you send them an income and expenditure form as well as notices of your arrears? Do you have priority debt arrears(mortgage/rent, council tax, utilitities)?
Just because you are unemployed does not necessarily mean you will be in fiancial hardship as such but it could be depending on the your individual circumstances.

rossi_nut_46

We have sent in numerous copies expenditure etc copies of previous letters and sent back leaflets that they sent( recycling was a better option than binning them) each time we rang them we were fobbed off. We used my husbands redundancy basic minimum to reduce our bills and outstanding payments as much as possible, but whether we go into branch , write or phone we get told the same thing "we know nothing"
my wife had a breakdown and suffers depression i am unemployed for the first time at our time of life (late 40's) we shouldnt have to start from scratch again, i must say that i am very bitter about the whole thing ., including the governments attempt to prop up the banking system ( because we all know that he will be a highly paid advisor for one of them when he leaves no 10)

natweststaffmember

rossi_nut_46 wrote: »

We have sent in numerous copies expenditure etc copies of previous letters and sent back leaflets that they sent( recycling was a better option than binning them) each time we rang them we were fobbed off. We used my husbands redundancy basic minimum to reduce our bills and outstanding payments as much as possible, but whether we go into branch , write or phone we get told the same thing "we know nothing"
my wife had a breakdown and suffers depression i am unemployed for the first time at our time of life (late 40's) we shouldnt have to start from scratch again, i must say that i am very bitter about the whole thing ., including the governments attempt to prop up the banking system ( because we all know that he will be a highly paid advisor for one of them when he leaves no 10)

Branches generally will have no information on financial hardship claims unfortunately as they are kept out of the loop.

As a complete aside, I worked for the bank until February 2009 before I was sacked and to be honest the more I looked at jobs the more I realised that staying in the bank meant missed opportunities and furthermore I was sacked for Gross Misconduct. It took me a few months to actually fully be able to explain it in my own mind. Today I have recovered and work in 2 jobs completely unrelated to banking and earn more money that I earnt then. You can recover and you can start over but it is damn hard work. Keep the chin up and I suspect Gordon Brown will still be an MP when the next election is done and dusted.

h_p_swymm

I have read responses to my post and am not responding to comments as I think all are valid. I believe I have been corrected on a number of details.

The issues involved are complicated and it would be great if a "route map" (achh!) could be shown through the whole variation of scenarios to make it easier for bank customers to hit the prime target directly with less confusion about the responses they receive.

I am on holidays for a while therefore my lack of response is not through lack of interest.

h p swymm

natweststaffmember

natweststaffmember wrote: »

For LloydsTSB I have this information:

"Any letters can be sent to Lloyds TSB, Customer Relations, BX1 1LT

The Monetadvicetrustadvice Income & Expenditure forms are acceptable.

We will always send a letter to acknowledge receipt of a customer complaint within 5 working days and our final response must be issued within 8 weeks. However, we will of course aim to issue our response well within this time period"

I am still clarifying issues with them and it is a bit like pulling teeth out getting info.

I have had a correction to the above address given to me which is
Andover Customer Service Recovery Centre, Lloyds TSB, Charlton Road, Andover, SP10 1RE.

chippy37

sandraroffey wrote: »

my gripe is with shabbey (abbey)

been helping a friend get her charges back for a couple of years. right from the start there were several years-worth of statements missing and we still havent had them, despite asking for them millions of times. they dont even acknowledge that they are dealing with. but then, thats because they arent dealing with it.

9 weeks ago, we returned to shabby the forms we requested for my friend to claim under the hardship rules. not even a reply. a second letter has been sent and no reply to that one either. all sent recorded as well but i think now that sending stuff recorded doesnt make a jot of difference.

what are these people playing at??? do they really think that this behaviour is helping their cause??

and if the time comes for them to make an offer, they will be basing it on the figure submitted which doesnt include the missing several years of statements.

they are walking all over us and no one is helping out joe public. if you are claiming under the hardship rules, it means you are having hardship NOW, not when someone deems that you get to the front a very long queue.

i had the same problem with abbey until i got that fed up, i rang them. They told me they had received all 5 letters but have put them on file. And they are not doing anything until the test case is over, unless you send them another income and expenditure form with the letters, they wont look at them. They will just put them aside. So good luck.

jopwo_87

Natweststaffmember, you are like a god send to so many people answering everyones questions and stuff. Seriously thats really nice of you to do!

natweststaffmember

jopwo_87 wrote: »

Natweststaffmember, you are like a god send to so many people answering everyones questions and stuff. Seriously thats really nice of you to do!

No, but for a few months(see signature) I had way too much time on my hands so I went hunting for information and spoke to an ombudsman and then went hunting for more info.

Shar_3

Hi,

My first post so hope it is helpful to you all!

This may have previously been posted but I've got a contact number and email address which goes directly through to Recovery Centre for Lloyds so you are able to discuss your claim with them. They are:-

Tel: 01264 725 214
Emails:- [EMAIL="charges_complaints@lloydstsb.co.uk"]charges_complaints@lloydstsb.co.uk[/EMAIL]

bossdog

Thanks for the phone number, just been on the phone to a lovely girl but she wouldn't budge, just reeled off the same stuff as in the letters..... agh, I could cry with frustration!