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Lloyds Bank will not 'allow' me to downgrade my account
Snowedunder
Posts: 200 Forumite
I am having serious problems with my Lloyds Premier Account over the last few months - several formal complaints - all upheld and compensation received.
I am now taking a serious look at changing my account as £25 per month for Premier Account is just not viable - I don't use the 'extras' or can't use extras such as Travel Insurance so looking into the possibility of 'switching' or downgrading at Lloyds.
However, Lloyds 'will not allow' me to downgrade to ANY other account, can they do that? or are they just trying to force me to move away because I keep complaining - as I said - all complaints have been upheld, so maybe I am just an embarrassment to them and they actually want me to leave? I have printed out their refusal to allow me to downgrade as proof and I have some data protection issues with a letter from the branch manager after my most recent complaint.
I am not an 'habitual' complainer, used to be meek and mild, but just got totally fed up with the way they have handled my account. I am a senior and was brought up to have 'manners' so everything I do is (in my opinion) well reasoned, and most importantly polite (but firm). I insist that all communications are in writing and prefer not to discuss matters over the telephone, hence I have proof of everything I have ever complained about, and matters going forward.
Back to my original question, I know that Banks can and do, do what they want when making decisions but should they be able to totally dis-allow me from downgrading without giving a reason?
I am now taking a serious look at changing my account as £25 per month for Premier Account is just not viable - I don't use the 'extras' or can't use extras such as Travel Insurance so looking into the possibility of 'switching' or downgrading at Lloyds.
However, Lloyds 'will not allow' me to downgrade to ANY other account, can they do that? or are they just trying to force me to move away because I keep complaining - as I said - all complaints have been upheld, so maybe I am just an embarrassment to them and they actually want me to leave? I have printed out their refusal to allow me to downgrade as proof and I have some data protection issues with a letter from the branch manager after my most recent complaint.
I am not an 'habitual' complainer, used to be meek and mild, but just got totally fed up with the way they have handled my account. I am a senior and was brought up to have 'manners' so everything I do is (in my opinion) well reasoned, and most importantly polite (but firm). I insist that all communications are in writing and prefer not to discuss matters over the telephone, hence I have proof of everything I have ever complained about, and matters going forward.
Back to my original question, I know that Banks can and do, do what they want when making decisions but should they be able to totally dis-allow me from downgrading without giving a reason?
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