Lloyds insolvency team

Legacy_user

I went to see my local branch when I was made bankrupt (27/10) and they assured me nothing would happen to my account like it being frozen or anything. I was told that if anything was going to happen, I would be written to and it would all be handled with me.

The OR wrote to them, letter dated 2/11 say they had no interest in the account and all funds were to be made available to me.

The address the letter went to was:
Lloyds Banks
One Snowhill
Snowhill Queensway
Birmingham
B4 6GH

Last night, my bank card was declined at a shop. It was even spat out at a cash point saying declined before I could do anything. I called up the bank and they said it had a 'Refer to insolvency team' marker. Lovely. The insolvency team are only available on Monday and i was given no way to contact them.

Does anything please have any information about contacting them?

TheGardener

Bank Staff don't know the rules - NEVER EVER trust what bank staff say about your account after BR - never, never, never....

It must be so frustrating. All you can do I guess is wait until Monday - its so important to make sure you have cash drawn out for living expenses before the banks are contacted by the OR.
There is an old post somewhere with the address - I'll go and have a look...BRB

TheGardener

..I can only find the address for the credit file amendments team but there is an official MSE user name of Lloyds Bank - perhaps you could DM them?

NotEvanAPot

I banked with Lloyds at BR date. No overdraft or CC debt, but previously had finance with black horse which a small amount was included in application. All accounts were closed on receipt of notice.

I met with one of their advisors, who said that they won't downgrade to a basic account and that I was, and I quote, "welcome to apply for an account 6 years from discharge date".

Moral being, anything under the Lloyds Banking Group umbrella being included within a BR application, automatic kick to the sensitive parts and do not speak to us for a while. Rather shameful that I still have to pop in every month to put funds in to the other halfs account for bills... If only they didn't offer such good accounts to the medium income folks of the UK!

alltaken

Sorry to hear about this issue, I know how frustrating it can be!

Lloyds have an insolvency team that is customer facing, calling the telephone banking number and asking an agent for insolvency works. You can ask for a copy of the letter from your OR's office, the one sent to bank claiming no interest.

Ask the OR's office to email you the copy, usually done within 10 minutes, then ask the insolvency team at lloyds for their email address to forward on the email. This is assuming lloyds play ignorant to any correspondence from the OR stating no interest.

TheGardener makes a point sadly realised by many, the branch staff are often very untrained in insolvency matters, rather than saying 'I don't know, let me check' they often take an attitude of misinformation to keep banking face.

The subject of closing accounts and essentially blacklisting is a gray area with lloyds, myself for example; I had 2 lloyds current accounts in overdraft at time of bankruptcy. I opened a basic account without issue during my insolvency, continue to bank happily without issue.

It could be worth opening a basic account in branch with lloyds and having them put the money in the account. Better yet, IMO, go elsewhere and open a basic account, many are available - Nationwide Flexbasic being my favourite.

System

Thank you to all who replied. It was so very upsetting.

The OR sent me a copy of the letter at the same time that they sent it to Lloyds, so I have that.

I don't owe Lloyds or any of their companies a penny.

Thanks for the tip re Nationwide. I would have looked into opening an account yesterday morning, but I was really ill on top of all this :-(

System

Oh my ... what a kafkaesque nightmare today has been. I am emailing Jen Tippin (Customer Services Director) and Ant!nio Os!rio (Chief Exec) tonight. Whether or not it does anything or not, it sure will make me feel better.

I opened an account at Nationwide and they were really great. The branch was open at 8am and is really swish and everyone was lovely.

london1973

Hey, re other thread yes I did see this post, it inspired me to start my own on lloyds (I have a thing about hijacking other threads!)

I was kinda hoping to downgrade to a basic with lloyds as seems easiest solution, but now thinking I'll just start afresh as they are not exactly inspiring me with confidence, will look at Nationwide, but they don't seem to have many branches? Barclays seem to be the other front runner and I have about 3 of those within walking distance-downside Barclaycard one of my creditors, ref Mwarby's comment on my lloyds thread

(PM to follow!)

System

I didn't go as far as emailing Antonio Osorio, but I did send a message to Jen Tippin at about midnight and had a reply from her at 8.20am this morning, which was followed up by someone in her team all day.

Their policy is to freeze all accounts, so what I was told by the branch was completely wrong. I still have to go into a branch, and they couldn't make an appointment for me, but I am going in tomorrow. They have given me £150 compensation, which is nice, but also the least they can do.

I will take it further though, not to get anything from them or a change, but their processes are incredibly broken and do not compatible with the 'Treating Customers Fairly' in a number of ways.

london1973

Well done, I hope you've inspired an internal memo so same doesn't happen to the rest of us!