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lloyds failed to change address...

Hi Could anyone give me advice please on what to do next.

My late mother received a letter from debt managers ltd, details of a debt she owed.Unfortuantly they would not speak to my brother and my mother who was very seriously ill with cancer had to attempt to give verbal authorisation for my bother to deal with them.
I was made aware of this and paid the debt off straight away out of my own account due to the serious nature of her illness which greatly upset her.
I contacted lloyds tsb at her brach, but was told that due to data protection they could not tell me anything, and i would be best waiting until she died and i would have access to everything !!!
Unfortuantly 8 days later she sadly passed away, but the debt was at least paid.
Back to the lloydstsb i went and discovered that march 2010 my mum changed address and informed the bank. It failed to change the address of this 1 credit card (changed all other accounts correctly).
In Oct 2010 the people at my mums previous address must have returned the bank statements which led to the bank to stop sending statements and to cancel a standing order my mum had set up to pay a set amount off each month.
Eventually this got to the debt managers ltd (did tsb sell this to them ?)
I have argued that the lloyds are at fault because they failed to change my mums address, and created the problems that followed when they cancelled the standing order.
They bank offered to refund the intrest difference between the debt managers amount and the amount in oct 2010 which amounts to approx £75
They have also offered £150 on top for the distress caused.

I argue the intrest refund should go back to march when they failed to change mums address.

LLoyds argue that my mums debt at march 2010 would have to be paid and will not wipe the debt and give me a full refund on the amount i paid to the debt managers.

Any advice on whether i should accept lloyds offer or refuse it ?




  • Torry_Quine
    Torry_Quine Forumite Posts: 18,801
    Part of the Furniture 10,000 Posts Name Dropper Bake Off Boss!
    Firstly I'm sorry for the loss of your mum.

    She should have noticed that she had stopped getting statements for that account and that the SO was no longer being paid. That means they had no option but to escalate this as they did.

    Personally I think you should accept the offer and concentrate on the important things.
    Lost my soulmate so life is empty.

    I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
    Diana Gabaldon, Outlander
  • ht_sparky
    ht_sparky Forumite Posts: 2 Newbie
    Yes i agree in principle.

    We never knew mums financial affairs as mum always was convinced that she would never lose the battle right til the end.
    It was hard to ask those sorts of questions even in the end.
    I dont think my mum would have noticed the lack of statements, she did use the card to buy flowers in the march and lloyds say she knew of the card but she could have used any card to order the flowers over the phone if that is how she paid for them.
    For the last 6 months my mum had been in and out of hospital and lack of statements would be the last thing on her mind.
    However how much effort would it have taken to discover the link between her old and new address seeing that all her other accounts had her new address, and not passed it over the debt collectors
    causing the extra distress
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