Todays worry

marydot

Hi.

I am in debt with Lloyds banks by 512 pounds ( sorry my pound sign dont work ) On the 1st feb I made an agreeent with them to pay 5 pound a month as i am on jsa, i have paid 2 payment since and was up to date, the next payment was due on the 12/2/2010 which i was going to pay today so that would be paid in time. so I rang to pay as normal but was told by the woman on the phone the agreement has not be authorized, but i have an agreement in front of me to confirm this!!They did an income check again and i was left short by 14 pounds a month. so they they refused to set up a new agreement.:eek:because they did not think i would have enough to live off.

I told her do they really care about what i live on as long as they receive there payments,they also said they did not think i could pay this each month,what a cheek!! It amazes me that I try to pay but they refuse and broke the agreement!!

I have the agreement here in black and white so i know it was confirmed.Now the next step is they are taking it to creditors,and that i be getting a letter soon.I said do what !!!! you like and i said they were a disgrace and told them to dont contact me again by letter, she asked for a contact number and i said no your not getting it or mobile either.

so what should i expect when the creditors take over ?

She also said if i could pay 200 to try clear some debt I hang up!!!They will do and say anything to make you feel bad. I must admit I was a little upset after the call.

I have everything else under control!!! just worried about what the next stage is.

Thanks. I think I need a drink :beer:

marydot

well here is an update.

I called the bank again later this evening because I had a gut feeling that there was something no quite right, so I called said I want to make a complaint for the way i was treated about this situation,so the woman looked at my details again and I explained what had happened, there is no record of my debt going to creditors and the other caller earlier gave out misleading information !!!!!!.

The woman on the phone even thought it was weird and could not understand why the first woman said this as a agreement had been made and set up and all payments up to date,She told me once an agreement has been set and in writing the bank cannot cancel it,unless payments stop.

I explained that the first caller said that a letter would be sent out to me saying debt would be passed to debt collecters, if that letter comes in the post i was told to ignore it !!!!!!!! I said no i will make an appointment with them and ask them whats going on.

I paid my payment today for this months so all update.


so why on earth did this happen ?

I know people make mistakes but surly this is not a mistake. I know theres alot of people with far more debt than me,but still if a bank can do this to one person, How many more are they lieing too?strange as soon as i said I wanted to make a complaint, funny how all traces of debt collectors disappear from the screen and i was put on hold, then 10 seconds later was told there is no trace of debt collecters and the agreement is still active.

I hope this post can help someone just by reading it, no matter how big or small debt is its still a worry.

Thanks for reading.