We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
We're aware that dates on the Forum are not currently showing correctly. Please bear with us while we get this fixed, and see Site feedback for updates.
Very Very Very Angry! The 3rd and (hopefully) final installment of this gripping saga

Mirtos
Posts: 728 Forumite
So. On Friday, I was over the moon because I had reduced my overdraft by £400, and called Lloyds to lower my limit accordingly. 'No problem' they said, and did it. 'Yippee' I thought, I'm on my way! I'd left enough of a 'cushion' in my account to pay any DDs that went out before more money goes in this Friday, and was very chuffed at myself. However, when I woke up and checked my account this morning like a good DF wannabe, I saw that three of my DDs tat went out today had been returned - even though I wasn't at my overdraft limit. Great I thought! I'm going to be charged for the returns from Lloyds, AND the loans the DDs were paying off. whopee. So I called Lloyds, and Vikram in Bangalore answered. 'But Madam,' quoth Vikram, 'you do not have an overdraft facility'. I explained that I did, and had had for the past x years or so. 'No madam, you do not.' Bless him, no matter how hard he tried, Vikram just could not understand that my experience may be different from what the computer was telling him. By now it was 7:59 am, and Vikram dutifully informed me that he couldn't help me as the specialist department I needed didn't open till 8:00 am. 'No problem, I'll wait'. Clearly my bl**dy mindedness paid off, because at 8:05, I got put through to Debbie in personal accounts, who informed me that indeed, I had had an overdraft facility, but since friday, this had only been a temporary measure - she said that it had probably been closed because I spent too much time in my overdraft, and the bank had closed it TO GET ME TO CALL THEM :mad: (an answer machine message or email would have been more than adequate!) It turns out the idiot I spoke to to lower my limit had indeed lowered it, but only for a day or so - she'd clicked on temporary instead of ongoing! Obviously, Debbie didn't once apologise for their balls up, or for the distress that it caused me, thinking that I suddenly had to pay back more than a grand before I could use my account!!!! She's supposed to be making sure the payments are resent as we speak, but was unable to confirm that LLoyds would cover any charges incurred from the people the dds were going to - apparently, I have to take a morning off work and go in to the bank myself to sort that out!:mad: what made me angriest was that she said they'd refund the returned DD charges "AS A GESTURE OF GOOD WILL" Good will? Good will? IT'S MY MONEY THAT THEY TOOK ILLEGALLY!! :mad: Thank god I was able to get it sorted out this morning, As with anyone in debt, a couple of unfair charges really do have the power to send me spiraling towards bankruptcy!!!! :eek:UPDATE: Debbie called back, theoretically DDs have all gone out now as normal. Hmmm. Will double check that with egg methinks!
Official Debt Free Wannabe Nerd Club member 095! Debt Now:
M&S £5000 £2071.49 - 3.9% |Cahoot Loan £8646.96 £7453.24 - 5.8%| Barclays OD £2250.00 £991.99 - 0% Halifax Card £1620.60 - 0% Savings: £927.59
Grand Total = £22,540 £11,209.73 :eek:Total paid off since 31st May '06 = £11,330.27 :T Semi-DFD Dec'07?
Savings for temporary unemployment fund: £763.05 @ 8%, £164.54@ 4% Total savings: £927.59
£18k Challenge £18,934.21 £11,209.73 to go!
Proud to be dealing with my debt.
M&S £5000 £2071.49 - 3.9% |Cahoot Loan £8646.96 £7453.24 - 5.8%| Barclays OD £2250.00 £991.99 - 0% Halifax Card £1620.60 - 0% Savings: £927.59
Grand Total = £22,540 £11,209.73 :eek:Total paid off since 31st May '06 = £11,330.27 :T Semi-DFD Dec'07?
Savings for temporary unemployment fund: £763.05 @ 8%, £164.54@ 4% Total savings: £927.59
£18k Challenge £18,934.21 £11,209.73 to go!
Proud to be dealing with my debt.
0
Comments
-
Nice rant
agree with you.Debt free 4th April 2007.
New house. Bigger mortgage. MFWB after I have my buffer cash in place.0 -
oh my goodness
where do these banks get off sometimes!!! i can completely understand how this would make you quite angry. i know i would be blowing several gaskets.
have you ever noticed though, that they don't expect us to check our bank accounts daily (sometimes more), so that they can do whatever they like with our money then surprise us with charges at the end of the month. i often find missing £1s from my account and have to call them and say 'where's my £1 gone??!!!'. not the same but it shows they're all 'tricksy little hobbitses!!'
glad it's sorted.MFW Newbie - #17. (#116 in 2019)
New Mortgage at Nov 19 - £273 499
Current Balance - £268 225
Want to cut down 26 year mortgage by 9 years!
New MF date 2036 :dance:0 -
Dont get me started on the balls ups that LTSB are capable off with thier india/ wales arms.
Incidentally, my freind wrote to Ltsb after they did something much less harsh to her, and she got a £200 compensation. Im not saying dig dirt for the sake of it, but this sort of crap customer service ( if you can call it that) is something you need to be letting people know about. You never know, you might get something out of it. You muight not, but it might prevent this sort of thing happeneing again:beer: Well aint funny how its the little things in life that mean the most? Not where you live, the car you drive or the price tag on your clothes.
Theres no dollar sign on piece of mind
This Ive come to know...
So if you agree have a drink with me, raise your glasses for a toast :beer:0 -
Well at least you got it all off you chest,,, Well Done.. it's nice to get it out in the open,,, Good Luck:beer: Keep your Chin up.. it can only get better :beer:
I'm one of those people who was born to have money,
but I just don't have any!
0 -
F***ing banks!!! Make me soooooo angry!!!! And just on a separate thing, I saw a FirstPlus ad this morning (will Carol V), haven't seen one for ages and without thinking was ranting at the telly!!!! She makes me angry too!!!Official DFW Nerd no. 082! :cool:Debt @ 01/01/2014 £16,956 Debt now: £0.00 :j
Aims:[STRIKE] clear debt, get married, buy a house[/STRIKE]ALL DONE!!
0 -
I'm with you on this one.
Lloyds have cancelled my overdraft also - and now are constantly harrasing me to 'pay back' the money I owe. However, I have been reducing my overdraft monthly with a payment of £150 - cancelling my overdraft will not make me pay any quicker - I am paying all I can."A simple life freely chosen is a source of strength. Do not be pursuaded into buying what you do not need or cannot afford." Quaker Faith & Practice 1.02.410 -
arghhh blasted tsb i tell you my OH has just closed his account there and opened one at barclays although im not too sure about them either!? he still has his OD at tsb so its frozen rather than closed and he is going to just go in each month and pay it off like that because he got into it and couldnt get out of it because they kept charging silly money for him going over!
good rant i agree hun! i would prob write a letter too and let them know your a bit peed off at them!"You have succeeded in life when all you really want is only what you really need"
live simply so that others may simply live
0 -
I don't really understand the situation (UK terminology is still new to me) but I still got angry reading your post! Argggh!
I'm glad they at least sorted it out.:beer:0 -
This is why i want to change banks they are so incompetent but dh has been with them for 23 years and does not want to change:mad: :mad: :mad:
Glad you got it sorted!!!
x Anne0 -
no wonder your angry i would've been to..where do they get off with taking your money ..and as for cs ..arghh i don't know how the rest of you feel about phoning india ..but with my strong scottish accent it is a total nightmare ..these people may be able to talk english better than i ever will but understanding what your trying to say arghhh..ive' often had to go through the spelling one letter at a time0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 348.4K Banking & Borrowing
- 252.1K Reduce Debt & Boost Income
- 452.4K Spending & Discounts
- 241K Work, Benefits & Business
- 617.3K Mortgages, Homes & Bills
- 175.7K Life & Family
- 254.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 15.1K Coronavirus Support Boards