gobsmacked at lloyds

[breadline]

Hello and thanyou so much for a great forum.

I have only recently started to realise the actuall way that lloyds has fleaced me. i can explain in a short way as best.

4 years ago i maxed my overdraft mostly by charges.
LLoyds turned it into a loan.
I lost my job 2 years later and used another overdarft.
Now unemployed and doing agency work on and off lloyds turned my overdraft and credit cards into another loan im i was then £6000 in debit and protection was not possible as i had no job!

In 2002 i became seriously ill and was 4 months a year out of work and with no decent income again i had to turn to credit cards or i would have lost my home.

again lloyds turned these into a loan.

i have paid lloyds £5,500 this passed year alone with help of family as i am so desperate to get Lloyds out of my life. I have left to pay £ 500 loan, £250 loan and now another £1800 overdraft.

Now heres the real joke.
I am on a low payment scheme of £8 a month per loan ( which i can not afford and wanted to freeze my accounts and pay £1.00 a month, i was told this was not allowed)
So i pay £8.00 a month to each loan so x 2
out of my LLoyds overdraft which is still running and im still being charged interest for as i have no money my self.
So lloyds is actually paying its own loan and making me further into debit.
Does no one help anyone anymore, dont these banks have a resposiblity to uphold for customers care and interest , i thought that was what i paid my monthly fee for?

Im at total confussion as to how much of the law they may be breaking or if this is all my own doing.
I understand my finances have been ill looked after by myself but i have been ill and had to survive.

But is any of this legaly correct?

Thank you for reading this and i am getting on to the letter sending asap and will keep the forum updated as much as possible.
I figure an estimation of £ 2000 is charges.

many thanks
Jules
PS just wondered are there trust worthy people that you can pay to do this on your behalf as my family if they new this was wrong would jump on it. ASAP
thanks

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Alison82]

Did you ask them to turn it into a loan or did they just do it?

[breadline]

No i asked to make an appointment a sthings where bad, and then went through all my debits and was offered a loan, I apoligise as ive missed abit out,

At 1st i had a consilidation loan with loyds. Things where ok.

Then an overdraft due to illness, which was paid off when they advised of remortage to C&G. This also included the loan as above.

Since then i am still ill and have had 2 reloans of overdraft over 2 years.

much of which was all charges.

Thanks
Jules.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[Riggermortice]

Hi Jules,

What I would suggest is that you contact your local Citizens Advice.
If you do not feel you are able to do this then i would suggest you look at www.nationaldebtline.co.uk. On this site you will find everything you need including sample letters to write to solve your problems.
Hope this helps. Dont let the B*****ds get you down

Regards

Rigger

[richardc]

Good advice. CAB are really good and committed.

[breadline]

Thanks for the replies.

I realise the order of things are all over the place and thats how confussing all this has been.

I have my mortgage with them and untill nov last year i had house insurance and i was paying nearly £400 a year for internal and external insurance, i now pay only £200!! with another company. I had rang up the year previouse and questioned the amount and was told it was correct.

When itook my policy to another company i had cover i didnt need,
Goods carried on person to value of £2000
bicycle value £600
These where suppossed to of been taken off 2 years before, when i asked them to.

You get into false sense of security and trust they have your interest in mind.
Then one day you wake up.

Someone has to stop this, its criminal.

when i earn't a good salary they where like kids around a chocolate shop, now im ill im sure they want my home.

many thanks
Jules xx

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[BankFodder]

CAb are very good but they stop short of the direct pragmatic action which we encourage here.

Get your charges back and make sure that the money you owe is money which you really do owe.
The you can start to manage that debt.

Find out what your charges are and then come back here.
Meanwhile read the forum material thoroughly. This is the key to handling your claim confidently.

[Louise Dimmock]

I really feel for you, I have similar problems with Barclays and now LLoyds. I was off work for 3 months after having a breakdown which was not helped by daily harassing phone calls and more charges. I am now better and am now self-employed and finally feel stronger and able to take on these B.......!! I won't give up until I get some sort of justice and re payments of unfair charges. Stick with it you have a lot of support
Lou

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	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[lancsman]

I know all on here feel for you be strong use the letters Lloyds are replying to me in 5 days make em do the same for you.what i missed doing to nationwide(D.P.A.REQUEST INCLUDING MANUAL INTERVENTION IF ANY DONE)I will certainly "do"to Lloyds when i start to chase the Bank charges.Have you had any charges on your Credit Cards?these are Unfair too as they don,t reflect "manual"work unless they say so!tryfor them too.
best of luck,just go for it ask and ask again

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[breadline]

Thanks every one
I sent letters to day for all contracts ever entered into with lloyds, my statements from my loans and my account.

i will start on my cards soon, it will not be easy i ahve no paper work and these companies are bulldog protected

but i will not give up.

89p recorded delivery, and £10 for each report

cap one, egg and lloyds.

£32.67 ( i think lol)

worth every penny just for the justic of stress, and depression.
When a person is so ill they have to give up work and loose thier independance, needing rest to get better to get back on track.

I can honestly sayof all of them LLoyds nearly pushed me over the edge, ( phew confession there) but true, i dreaded my letter box going in the mornings.

lloyds im sure has wrecked many lives i would love to see it fall flat on its arse.

Thanks again for the support

jules

[richardc]

Keep at it and keep us posted.

[lancsman]

breadline you say youve no details of your credit card transactions?correct me if i,m wrong but surely these are covered under the Data Protection act? i would have thought you could use the letters in "templates"which ask your bank for list of charges.checktheF.A.Q.bet you can use d.p.a.request for information.try it youve a right to those charges too best of luck.

[breadline]

Hi Lancsman
yeap im going to use the letters.

Im still getting my head around that they actually have to act on that letter.
The way Cap One has spoken to me over the years and now I! get to post something that brings some authority from my side of the Fence.

ABSOLUTELY AMAZING!

thanks
jules