Lloyds Loan mis-sold?

DCFC79

Chickusdickus wrote: »

DCFC79, for that last time, i didn't know about the notes on the system at the time. This came about about a year later, maybe less! The chronology and details that are being mis-understood are completely irrelevant to the question, but I still feel is being answered with opinion and not fact.

Im still struggling to understand how you can go through with an application when you know it not to be true and be thinking how on earth am I going to meet the repayments.

I was also thinking the same as gb12345^^^

gb12345

Edna145 wrote: »

Any personal customer of LTSB can go into any branch and as long as they produce the relevant ID their notes can either be viewed on screen or printed out there and then. It is their information.There are no other procedures involved so to suggest this person has gone against bank policy is not true. (Just to put her mind at rest!).

You have just specified the procedure - the customer goes into the branch, presents ID and is then provided with the information. But the OP doesn't appear to have done this.

He said

I know someone who works at the bank and they printed out the official notes.

That to me reads like he was talking to someone (who now happens to be his partner) and they took it upon themselves to print out and provide the information to him.

If the person who provided the information did so outside of the LTSB branch then they have definitely breached company policy and probably the terms of their contract, so I wouldn't be so quick to reassure her if I was you.

Edna145

He also mentioned he saw her in the branch at some point so are you making the assumption that it didn't happen then? Or he didn't in fact go into the branch at her request and do exactly that? Working on so much presumtion is silly, for us all. Im sure he'll clairfy it. But also if the person is known to the branch, to someone personally this also acts as ID, as does a signature matching what they hold on the screen. Any of this is possible!

DevCoder

Also the bank can withhold information from the client/customer even with a SAR/DPA request under certain circumstances/conditions (money-laundering profiling, reported to regulatory body flags and notes et cetera).

If the OP is not a troll, then the facts are simple

If the contract is to be voided then it will be unwound to the position before the contract was struck, each person put in the same financial position as before the contracts was formed.

This would involve the repayment of the 7,500 capital amount.

That would be the best case scenario, proving what the OP is describing is a whole new ballgame.

DevCoder

Best practise would be that a person with no conflict of interest would handle the request. I can't remember from the OP's post whether they had more than just a bank/customer relationship at that point (and yes facebook or other social media "friends" would be considered a potential conflict of interest).

gb12345

Edna145 wrote: »

He also mentioned he saw her in the branch at some point so are you making the assumption that it didn't happen then? Or he didn't in fact go into the branch at her request and do exactly that? Working on so much presumtion is silly, for us all. Im sure he'll clairfy it. But also if the person is known to the branch, to someone personally this also acts as ID, as does a signature matching what they hold on the screen. Any of this is possible!

Yes I am working on an assumption based on the wording used by the OP, just as you appear to be working on the assumption that he went to the branch. If he went to the branch then why not say "I went to my branch and they provided me with details of the customer notes for the meeting"?

The fact is that we don't know exactly how the OP came to be in possession of this information (perhaps the OP would like to tell us so we can advise him on the potential consequences for his partner).

I have warned the OP of the possible consequences of him obtaining this information by anything other than the official means. I don't know the OP or his partner, so I really couldn't care less if she got sacked, but I'm sure he wouldn't be happy if he found out that his actions had been the cause of that happening - so I warned him of a possible consequence based on my knowledge and the facts that he has given.

Edna145

I read the same posts as you and it doesnt indicate either way how he got them off her. I'm not assuming either way. Thats between them to work out (if indeed there is anything to sort out!)
However he got the records is nothing to do with the original OP.

Most people on here have simply got involved to say what they think of this individual which has quite simply turned into a bullying exercise. The only people that should have got involved are those with experience in the financial indusrty and who can actually offer some advice. Its that simple.

Chickusdickus

Wow, Edna. If only all people had your outlook. Where were you at the beginning?

All the info is now in the post, but it's still irrelevant.

It appears the answer is No to my question. There's been far too many replies about different things that I simply can't answer you all. Bloody worn out. How I got info isn't important. Only the answer to the question:

Added stuff to notes to get loan, grounds for forfeit?

Chickusdickus

I am not asking again, simply clarifying the question. Lives to get on with? Me too.

Edna145

I only saw this today and have never commented before, but this just got me quite angry, the supposition of people who are so quick to point fingers without knowing full stories just gets my blood pressure pumping a bit.

Hope you get it sorted out, good luck