Credit card in credit!

ontheway_2

I know that this may not strike many as a problem, but is as a result of over-settling my DMP almost a year ago (April 2014). LTSB has now been asked 3 times in writing (and twice with follow up phone calls) to a: refund a balance of £50.60 sitting on the card; b: close the account and confirm closure and c: (worth a try) remove the default notice on the card as regular payments were made as agreed and notice was served just prior to the account being fully satisfied. I can't even spend the balance on the card because as soon as I started the DMP I cut the card up - in the presence of a LTSB employee! I have just sent another letter to them - recorded delivery - and referring to my previous correspondence and asking for resolution within 14 working days or I will escalate but can I do this and who to? It hits hard when I have been making regular payments and always acknowledged and responded to their letters during the DMP and they are now behaving far worse than I ever did!:mad:

Westminster

I know the generally sage advice is to do everything in writing, but as you are dealing directly with Lloyds here, I would be inclined to make a call and ask to get put through to their complaints department.

Explain the situation, that you want to make a formal complaint etc and ask for the correct address to write to (along with the name of the person you are talking to).

Before the FOS will consider looking at your case, they will want you to have exhausted Lloyds own complaints procedure.

That said, FOS may be able to give Lloyds 'the hurry up' if you try and start a complaint with them - explaining the steps you have already taken.

lee111s

Strange one!

When my Lloyds card was in credit a quick phone call and they transferred it to my current account immediatley.

Have you tried calling them?

McKneff

Or tell them you have lost the card, you need a replacement and then just spend it.

National_Debtline

Hi

I think the others have given some good advice here in terms of telephoning Lloyds and trying to speak to someone about a complaint, which may speed things up.

As Westminster says, you’ll then need to then make a written complaint and then escalate to the Financial Ombudsman Service (FOS) after 8 weeks if you still aren’t satisfied. You can call the FOS to discuss the complaint on 0800 023 4567 or 0300 123 9123.

The FOS website has some information on making complaints here:

www.financial-ombudsman.org.uk/consumer/complaints.htm

James
@natdebtline

ontheway_2

Thank you everyone! It took 25 minutes on the phone, and bouncing between various departments but the account is now closed and the credit transferred into my account.