Advice dealing with the devil's bank (Lloyds TSB)

zppp

Alpine_Star wrote: »

I don't believe this for a heartbeat.

Your choice if you want to believe it or not, but invitations to discuss accounts and review credit are sent when there are signs of distress flagged up, prior to any collections.

Collections is where the customer is already in arrears with the bank - this is a form of credit review we are talking about which is different.

Alpine_Star wrote: »

And as the bank's employee it's depressing that you do.

Depressing that I do what exactly?

I tell you what, I think this post is now becoming off topic, so if you want me to clarify anything further, you may like to PM me. OP, if you are still with us, the consensus is that you need to contact Lloyds.

Alpine_Star

zppp wrote: »

Your choice if you want to believe it or not, but invitations to discuss accounts and review credit are sent when there are signs of distress flagged up, prior to any collections.

This is not ''offering financial assistance''.

Is it?

zppp

Alpine_Star wrote: »

This is not ''offering financial assistance''.

Is it?

Entirely depends on your opinion I think. What do you want or expect from your bank? Have you got any better ideas for identifying cusotmers in financial hardship before they contact the bank?

Alpine_Star

zppp wrote: »

Entirely depends on your opinion I think.

An invitation to discuss accounts and review credit is entirely different from actually offering financial assistance. It's not a matter of opinion or interpretation.

In the 3 years I've been reading posts on this forum and others I have never come across anyone who has been pro-actively contacted by their bank to outline their approach to financial difficulties in the manner defined by the Lending Code. Ever.

Have you?

Alpine_Star

zppp wrote: »

Have you got any better ideas for identifying cusotmers in financial hardship before they contact the bank?

This defies logic. 'Oh, there's someone who needs to contact us!'