Bank lost cheque and are denying ever having it.... Desperate and need help!

Hominu

Angrywithlloyds wrote: »

Thank you, but I didn't realise that until it has been pointed out to me, I will contact the delayed and let them know about a change of keeper, but do not have the new owners details..

You notify them about the change of keeper by updating the V5 book and then signing it with the new owners details, the new owner then signs it. You can't just call them up.

Angrywithlloyds

Hominu wrote: »

You notify them about the change of keeper by updating the V5 book and then signing it with the new owners details, the new owner then signs it. You can't just call them up.

The car isn't the issue, the bank is, they lost the cheque and told me it had cleared.

Where do I stand there?

grumbler

As said above your next steps are DVLA and the ombudsman.

If DVLA refuse to give you the details of the new owner, they possibly will do this if the court orders this, but in this case you probably need a proper legal advice.

Ombusman is for a compensation only. IMO Lloyds !!!!ed up heavily, and compensation can be pretty big (not to extend of £10K though):

• they lost the cheque - fact (you have a receipt showing both the total amount and the number of cheques deposited, don't you?);
• they failed to check all details when you asked them about clearing and misinformed you;
• they shamelessly deny losing the cheque and shamelessly offer you a pitiful compensation for the time, petrol and phone calls only.

bryanb

Angrywithlloyds wrote: »

The car isn't the issue, the bank is, they lost the cheque and told me it had cleared.

Where do I stand there?

The car may not be the issue, but it could easily become the issue. You apparently have not taken the correct steps to get your name off the registration. On that basis you remain liable to pay fines, insure it etc, etc.

Angrywithlloyds

grumbler wrote: »

As said above your next steps are DVLA and the ombudsman.

If DVLA refuse to give you the details of the new owner, they possibly will do this if the court orders this, but in this case you probably need a proper legal advice.

Ombusman is for a compensation only. IMO Lloyds !!!!ed up heavily, and compensation can be pretty big (not to extend of £10K though):

• they lost the cheque - fact (you have a receipt showing both the total amount and the number of cheques deposited, don't you?);
• they failed to check all details when you asked them about clearing and misinformed you;
• they shamelessly deny losing the cheque and shamelessly offer you a pitiful compensation for the time, petrol and phone calls only.

Thank you, this is correct, should I wait for the lloyds final response in writing before contacting the ombudsman?

grumbler

Did they promise it in writing?
I think the fact that they told you that the decision was final was sufficient for starting complaining to the ombudsman.

Angrywithlloyds

bryanb wrote: »

The car may not be the issue, but it could easily become the issue. You apparently have not taken the correct steps to get your name off the registration. On that basis you remain liable to pay fines, insure it etc, etc.

Thank you, but I'm not really interested in paying parking fines.
I need to know what to do next in terms of the bank losing the cheque.

Angrywithlloyds

grumbler wrote: »

Did they promise it in writing?
I think the fact that they told you that the decision was final was sufficient for starting complaining to the ombudsman.

Yes, the senior complaint handler said she would write it up and send it out first class, I expect it tomorrow.
She said I Needed this in order to take it further.

grumbler

Angrywithlloyds wrote: »

Thank you, but I'm not really interested in paying parking fines.

It's not only parking. London congestion charges, motoring offenses etc. - this can easily make hundreds if not thousands.

BillJones

Angrywithlloyds wrote: »

Yes, I wrote out a 'receipt' to say that the vehicle is sold as seen without warranty, and that the buyer had had opportunity to inspect the vehicle and now takes full ownership and responsibility from that date.

He then signed it.

OK, so at least you know the buyer's name? You've also got their phone number from when they called you, so you are a fair way towards proving that they bought the car.