Lloyds Loan mis-sold?

Gordon_Hose

You're making out you're the only person to have gone through those things!!

I was borderline alcoholic for years, I took out loans to fund it until eventually I ran out of places to go for money. My brother died and I came out of a long relationship.

None of those things qualified me to get out of paying what I owed. I'm now debt free and the last default drops off my file in March.

Now that is "happy days".

Accept responsibility and grow up.

rizla_king

Chickusdickus wrote: »

Can I search thru the forums to see what other posts you guys have replied on? I'd like to see if you have a similar demeanor and if so why you haven't been banned from posting.

Who is the regulator?

Use the post button.

poppasmurf_bewdley

Chickusdickus wrote: »

Brock, this site is all about grumbling about the banks, and saving cash. Taking control! Why would you say such a thing?

If me losing my dad, losing work, drinking everyday and then losing my partner of 4 years, becoming practically homeless for s short while because of it isn't a reason to be regarded as mantally unfit, I'm not sure what else is!

Yeah, It defo wasn't the most secure thinking to date.

I lost my dad and my mum. I got divorced and had my home repossessed, and got made redundant after 25 years with the same firm. And I drink every day (well almost). But I wasn't regarded as mentally unfit. At the times these thing happened, they made me unhappy. If everyone who loses parents or has financial setbacks or loses in love acts as you say you did, we'd all be living on the funny farm.

You are just looking for excuses for your actions and ways to blame others for your own shortcomings.

meer53

Chickusdickus wrote: »

Brock, this site is all about grumbling about the banks, and saving cash. Taking control! Why would you say such a thing?

If me losing my dad, losing work, drinking everyday and then losing my partner of 4 years, becoming practically homeless for s short while because of it isn't a reason to be regarded as mantally unfit, I'm not sure what else is!

Yeah, It defo wasn't the most secure thinking to date.

No it wasn't - BUT it was still YOUR decision whether to accept the loan.

I lost my brother, my mum, had my marriage break down due to my ex having an affair and my brother in law committed suicide, all at the same time. It didn't render me unfit to make important decisions.

Banks don't usually run any mental health tests before offering lending to their customers.

Chickusdickus

Gordon, I'm sorry to hear that, but happy to hear you came thru it to. Unfortunately for me, my outlook on life, the monetary system, and society in general would not afford me to respond to you in the same manner you have responded to me. if anything, i think you feel good that I've suffered. Sounds like you're a little bitter about the whole thing. i am not however. I have not been complaining. Mostly, I've simply been trying to fight you all off!

You don't know me so i don't take any of this personal. I do not do the poor me. i never have. My life has been blessed measured next to others.

I posted a question. The only real answers I've had are 'Grow up, take responsibility.'

Thanks for your input all of you, but your answers are inadequate. this has turned into a circus of one liner anecdotes about how to do thing YOUR way.

Wheres_My_Cashback

I know the ins and outs of the banking system.

You already have valid answers. Because you don't like them, can't accept them or the fact that you're wrong doesn't mean everyone else is.

Personally i don't believe a bank staff member submitted a fraudulent appplication, nor you signed one, but I do believe you've either totally misinterpreted the situation or made it all up.

To clear one point up ;

He falsified my own application in order to get his loan points, while putting me deeper into debt.

You got yourself further into debt by spending what you don't have and by taking out a loan you could ill afford to repay.

DCFC79

gordon_hose wrote: »

£7500... Livin' the dream. Livin' the dream...

Ftw ftw !!

Chickusdickus

Again, sorry to you all for your sad life stories. I wasn't rtying to set it up for sympathy.

I was asked if I was mentally ill, in a way, yes, i was suffering and not making the correct decisions. I've not yet asked for pity, or blamed the bank.

In fact, i haven't blamed anyone for anything if you take the time to read thru it with a clear head.

I asked a question. I'll slim it down even more for you all.

The guy said I showed RBS accounts which is a blatant lie. Would I have got the loan otherwise? If not, are there grounds to have it quashed based on his fraudulent info?

ILW

Chickusdickus wrote: »

Again, sorry to you all for your sad life stories. I wasn't rtying to set it up for sympathy.

I was asked if I was mentally ill, in a way, yes, i was suffering and not making the correct decisions. I've not yet asked for pity, or blamed the bank.

In fact, i haven't blamed anyone for anything if you take the time to read thru it with a clear head.

I asked a question. I'll slim it down even more for you all.

The guy said I showed RBS accounts which is a blatant lie. Would I have got the loan otherwise? If not, are there grounds to have it quashed based on his fraudulent info?

No
As their internal lending criteria is of no relevance as to whether the loan is legal or not.

DCFC79

Chickusdickus wrote: »

The guy said I showed RBS accounts which is a blatant lie. Would I have got the loan otherwise? If not, are there grounds to have it quashed based on his fraudulent info?

Why did you say yes to the loan if you knew about the lie ?

Or was it done without your knowledge ?