Vent - Lloyds

CKhalvashi

Just popped into branch with some relevant ICO and OFT case notes to sort a default with someone (that person was with me). Lloyds are still claiming that customer was fairly treated, despite case notes on file proving that this is not the case.

No money is owed, yet this is now on DCA no.4, and Lloyds still haven't sold debt on, and are unwilling to take client to court at this stage, due to evidence presented to them.

I have been asked to leave the branch as I (supposedly) wouldn't let the adviser speak, and have advised client I will get complaint paperwork to them to sign over the next few days, when this will be posted. The adviser had plenty of opportunity to speak, before having some VERY blunt questions regarding the case put to them, which the bank refused to answer.

I'm not paid to be told it's none of my business (actually I'm not paid at all for my debt work), when client clearly wants me to fight their corner with them, and has expressed this.

It just seems that they know they can't get money from someone unable to pay, and they seem adamant that they are in the right, when (under my interpretation of the rules, and several others having the same opinion) they cannot prove this debt, there are no means to pay, and the bank doesn't seem to have carried out adequate credit checks in the first place.

From our understanding (we have access to a retired solicitor for free, and this is the same understanding), the bank can't both refuse to pay out on an insurance policy, and refuse to refund account fees in this case, as part of the fee was for the policy in question.

I've given the client the 'Debt and Depression' guide (thanks for this Martin/CAB), and have directed the client to this forum to help.

Rant over!

CK

Blackbeard_of_Perranporth

Round this part of the Parish, mate, I got no idea whats you are on about. Try the banking bored or debt bored for advice.

CKhalvashi

Blackbeard_of_Perranporth wrote: »

Round this part of the Parish, mate, I got no idea whats you are on about. Try the banking bored or debt bored for advice.

We had legal opinion on this, which is going in the same direction as I was thinking.

Generally, banks are easy to deal with on things like this (and this certainly isn't the first time I've come up against similar difficult situations), although I have increasingly founds Lloyds one of the worst, definitely within the LBG, but also within the banking industry.

I don't appreciate being told I'm talking rubbish, especially when I am perfectly aware I'm not :cool:

Blackbeard_of_Perranporth

Ok, I will plain English. You need to lokk at the banking Board to get answers.

Try here
http://forums.moneysavingexpert.com/forumdisplay.php?f=4

System

CKhalvashi wrote: »

I don't appreciate being told I'm talking rubbish, especially when I am perfectly aware I'm not :cool:

Who said you were talking rubbish?

Seems a bit overly aggressive!

CKhalvashi

goater78 wrote: »

Who said you were talking rubbish?

Seems a bit overly aggressive!

It was the general gist of it.

Just fancied a rant

spike241

Blackbeard_of_Perranporth wrote: »

Ok, I will plain English. You need to lokk at the banking Board to get answers.

Try here
http://forums.moneysavingexpert.com/forumdisplay.php?f=4

Based on the title and the post the OP isn't looking for advice. They were looking for a place to vent and they found it