Lloyds Loan mis-sold?

Chickusdickus

And to you Gordon. Perfect model answer, but this is all known. this is pertty much how I started the thread; with that knowledge.

Chickusdickus

Wow, I'm promoted to a money saving convert already. How i climb the ladder fast.

Chickusdickus

Now, are these facts, or opinions?

Do you all know for suer there are nor grounds for appeal?

Gordon_Hose

Chickusdickus wrote: »

Oh God, i'll work backwards thru the thread.

Antrobus, it is not illegal to request the notes. They are YOUR notes, customer notes. They are a transcript of the interview. This is the problem with opinions! It is professional misconduct for your partner to access your notes.

Somethingcorporate, I'm repeating myself with you here. I did NOT sign a falsified document. It was system notes unbeknownst to me at the time.

ILW I am not arguing nor have I ever been on here. i asked a question and have since been defending myself for it. However, i couldn't agree with you more on your 3 points. I know they can bend the rules to suit you or them.

NOW, if I have your attentions please, back to my initial point.

Based on this knowledge that he falsified my notes, claiming I had proof of earnings thru another bank (bearing in mind this is a clear stipulation of the loan) if there room for a forfeiture of the contract? It is irrelevant. They offered the loan, you took it. You said they'd "cleared you for £20k", so you had already been pre-approved before you walked through the door. Pre-approval is not un-common and is generally based on how your conduct your account(s).

Yes, or No? with full disclosure please. No. They offered you a loan (the criteria for offering the loan is neither here nor there), and you signed on the dotted line and walked away with their money.

As we've all been telling you, and you refuse to accept. The long and short of it is you were offered a loan and took it.

You could have said no and increased your overdraft as originally planned.

There is no fraud here.

Chickusdickus

Now, do you all know for sure as fact not opinion, that there are no grounds for appeal here?

Chickusdickus

She wasn't my partner at the time. I met her years ago and I moved away. I met her again int the bank and we became friends on FB. I mentioned this query to her, and she looked at my notes. We later got together.

Simples.

Gordon_Hose

You can appeal as much as you like.

First port of call is an official complaint to Lloyds. They have 8 weeks to respond. If they don't provide you with a satisfactory answer you can complain to the FOS who will look into your complaint.

I don't think you'll get a positive outcome. Lloyds will get a slap on the wrist, but because they've already sacked the member of staff who put through the loan there is little the FOS can do.

It's highly unlikely the money will be written off entirely. Any agreement you come to with Lloyds will be purely goodwill.

Gordon_Hose

Chickusdickus wrote: »

She wasn't my partner at the time. I met her years ago and I moved away. I met her again int the bank and we became friends on FB. I mentioned this query to her, and she looked at my notes. We later got together.

Simples.

See, there you go drip feeding relevant information again.

Chickusdickus

Gordon it's nigh on impossible for me to give ALL chronological and relevant info on the matter. It's gotten way way off course and here goes, I ackowledge my responsibility on that, but the original point was missed from day one.

Never mind. Long day for us all and other things to get on with I presume.

Thanks for your input on this. I'm calling it 'solved' for lack of a better word.

Have great lives people.

dealer_wins

This should have been resolved before the ink was signed on the loan agreement really LOLOL