Lowell's & Lloyds TSB bank charges!!! PLEASE HELP! :(

FireWyrm

MrSilk wrote: »

**UPDATE**

I called Lowell asking for them to request the rest of the statements from Lloyds, they said they shall do this and get int ouch with me in writing, they said it could take anywhere between a week and six weeks.

4 days later I received a letter from Lowell saying that they contact Lloyds and they where advised that I'd need to contact Lloyds directly to ask for these. Why would they send out part of the statements when I requested them via Lowell, and now that I want the rest, they are telling Lowell that I need to contact their collections department directly?

Lowell have placed the account on hold for 28 days. Should I write to Lloyds directly, or just visit one of their branches? Thanks!

This is pretty complicated in terms of what has and has not happened, not to mention the sheer amount of paperwork here.

I would go directly to Lloyds and speak to a person in branch directly. I would have a list of the points above (potential mis-selling etc) and I would show them the quality of the documentation that actually exists. It is a lot harder to fob you off when you are sitting directly across the desk from them pointing at various bits of paper, plus, there will almost certainly be an equivalent senior level advisor on hand who might just be able to straighten it all out in one go for you if you are polite, but to the point. When and if you need to pull out the big guns, start gently raising your voice when you speak about mis-selling. This is especially effective in open plan seating areas.

Dont go in shouting, go in as the confused and wronged party who is being hounded by venal Lowells for a debt that shouldnt even exist in the first place...and you would be ever so grateful if one of those kind chappies(esses) would sort out the mess for you.

The ideal and realistic resolution would be :

1) A payment plan with Lloyds to recover the £500 of OD debt
2) All additional charges and interest written off
3) Lowell called off.

MrSilk

FireWyrm wrote: »

This is pretty complicated in terms of what has and has not happened, not to mention the sheer amount of paperwork here.

I would go directly to Lloyds and speak to a person in branch directly. I would have a list of the points above (potential mis-selling etc) and I would show them the quality of the documentation that actually exists. It is a lot harder to fob you off when you are sitting directly across the desk from them pointing at various bits of paper, plus, there will almost certainly be an equivalent senior level advisor on hand who might just be able to straighten it all out in one go for you if you are polite, but to the point. When and if you need to pull out the big guns, start gently raising your voice when you speak about mis-selling. This is especially effective in open plan seating areas.

Dont go in shouting, go in as the confused and wronged party who is being hounded by venal Lowells for a debt that shouldnt even exist in the first place...and you would be ever so grateful if one of those kind chappies(esses) would sort out the mess for you.

The ideal and realistic resolution would be :

1) A payment plan with Lloyds to recover the £500 of OD debt
2) All additional charges and interest written off
3) Lowell called off.

Thank you for taking your time to reply

Seems the logical way of dealing with this,f ace to face with someone rather than a letter or telephone call. I'd rather pay Lloyds directly than to pay Lowell. I presume they'd have access to the rent of my statements?, going back up to 6 years, on what is now a closed account.

I have no problem setting up a plan to pay what I owe (£500, if that), however I'd not be willing to pay the charges and interest!!

Do I have to make an appointment or can I just walk in?

FireWyrm

MrSilk wrote: »

I presume they'd have access to the rent of my statements?, going back up to 6 years, on what is now a closed account.

Almost certainly. They at the very least must be able to confirm definitively the final amount on the OD when it was closed which gives you a starting point.

MrSilk wrote: »

I have no problem setting up a plan to pay what I owe (£500, if that), however I'd not be willing to pay the charges and interest!!

I didnt say this would work - only that it is far harder to be b**rds when someone is sitting directly opposite you, especially if they are lost/confused/needing help. People who work the CS desks are chosen because of their empathy and skill with people. You just need to play on what they do naturally, help.

MrSilk wrote: »

Do I have to make an appointment or can I just walk in?

I have no idea with Lloyds and suspect it depends on the branch. HSBC typically take your name and ask you to wait in a seating area for someone to become available whereas Natwest often ask you to make an appointment ahead of time. Try walk-in and see how far you get. Make sure you have all relevant paperwork with you, you have gone through it, you understand it and you are clear what your requirements are and how you want this to be resolved. The CSA doesnt have infinite time to sort this out, so a clear and concise explanation etc is necessary.