IMMORAL MIS-SELLING by LLOYDS TSB

BillJones

The_Famous_Cash wrote: »

Thanks for your response. A number of points but the simplest way to explain how that happened . . .
Years ago, I presented the document to the bank and explained the situation that he must never be overdrawn or any negative situation arise without my knowledge.

Before you go any further, you should probably find a friend who has English as their first language, and ask them to help you draft your complaint. Your writing could be misconstrued as paranoid rantings to someone who does not know that you do not speak our language competently.

ViolaLass

BillJones wrote: »

Before you go any further, you should probably find a friend who has English as their first language, and ask them to help you draft your complaint. Your writing could be misconstrued as paranoid rantings to someone who does not know that you do not speak our language competently.

What indication(s) do we have that the OP's first language is not English?

TrustyOven

BillJones wrote: »

Before you go any further, you should probably find a friend who has English as their first language, and ask them to help you draft your complaint. Your writing could be misconstrued as paranoid rantings to someone who does not know that you do not speak our language competently.

Sorry... how did you come to the conclusion that the OP isnt a native English speaker?

The_Famous_Cash

Strange comments. I don't see any point in being rude.

Since there were no sensible points made, I will await a response from someone with a better attitude.

In the meantime, thank you if you were genuinely unable to control your desire to be disruptive.

TrustyOven

The_Famous_Cash wrote: »

Since there were no sensible points made, I will await a response from someone with a better attitude.

Who's attitude was not good?

Thrugelmir

What legal document do you hold ?

da_rule

I hold power of attorney for my grandmother which allows me to manage her accounts etc. It doesn't stop her from also managing her accounts. She can still apply for loans etc and I do not have to be informed, but I can also apply for loans in her name etc and manage her bank accounts.

My point is that there are very few (if any) orders which prevent someone from making their own decisions. The bank may have a problem if they entered into the contract knowing that the OP's son didn't have the mental capacity to understand what he was agreeing to. The fact that they have been told may be enough to prove this. But it depends on how the loans were given. If he walked into a branch and seemed completely aware of what was going on then it may be fair for the bank to think that the situation that existed years ago no longer exists.

DCFC79

What other replies would you like that aren't on the other thread ?

PeacefulWaters

Are your son's learning difficulties obvious?

Why do you think the document you have says he is not allowed to manage his own finances? What is this document (there is no need to keep it a secret).

Why did the FOS reject your complaint?

If your son moved his account elsewhere, what's the worst that could happen if he didn't repay?

(You have recourse to the courts, but could perhaps do with a more constructive approach if you expect to convince a judge that you're not just a wild eyed loon).

Gingernutty

From your other thread.

My son is registered disabled. I act on his behalf in any financial matters because he does not fully understand them. I wrote a letter to Lloyds TSB in 2010 bitterly complaining he had been charged £30 by an error. They were left in no doubt I was responsible for my son's transactions and had a legal document (although not a lodged power of attorny) to verify the fact.

No proper legal document, no deal. The banks will deal with your son, not you.

It doesn't matter how 'legal' the document is or looks, without the seal of the Court of Protection it's worthless.

You need to apply to become a Deputy of the Court of Protection as it sounds like your son doesn't understand enough to sign Power of Attorney forms.

Instead of posting poorly spelt, shouty rants on forums like this, see what you can do here.