Claim against lloyds with lloyds loan still active

[macca1301]

Hi all have checked my bank statements going back four years and have been charged over four grand. Would like to claim it back but concerned as I have still got a loan with them and don't want them to cancel my loan and give me a default. any advice gratefully appreciated

[BARTY]

Hi and Welcome!
As far as I know a loan is a seperate agreement to your bank account, so they are not allowed to call your loan in.
Go for it, it's your money!
Barty

[littlemanwins]

Hi Folks....LLoyds TSB are totally **** They have messed up everything I have asked them to do. Messed up mortgage...took loan out twice...send threatening letters which imo border on harrassment..... I have frozen overdraft with them at - 690.00 and use a different bank now and had no problems. but i want my charges to pay what i owe them. Just took it to court so will see how we go...........keep me posted.
L

	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.

[nicsussex]

Originally Posted by macca1301

Hi all have checked my bank statements going back four years and have been charged over four grand. Would like to claim it back but concerned as I have still got a loan with them and don't want them to cancel my loan and give me a default. any advice gratefully appreciated

If you are still making regular loan repayments and are not in arrears then this can in no way be an issue.

[WhatMoney?]

I'm getting a bit worried about the same thing. Slightly different as I had to go on a payment plan for a while due to suddenly being on a very low income. At the time I was given the impression that this just meant my agreement would continue for longer. However, a while ago I went back to paying the full original payment amount, but now find they're saying that the account is in arrears due to the lowered repayments for a while.

The arrears are basically what they owe me in charges. I'd already intended to use half the money to pay some off my credit card (though will prob use it for the loan no) but the thing is, I really can't afford to lose all that money (and it will be lost to all intents and purposes).

Hmmm

[macca1301]

No i am in the same position as yourself have been on a reduced payment plan have been told that they will refinance the arears but have to make full payments for six months like yourself the amount I am owed in charges is pretty much how much i owe in arrears now but obviously cant afford the bank to call in my loan.

[WhatMoney?]

Absolutely. Though, tbh, it doesn't concern me quite so much that they might call in the loan altogether because, as I understand it, you can argue that this was in retaliation to your claim, and therefore unreasonable and not allowed (I think? Any opinions...?). I would be very upset though if they paid my money then straight away snapped it up for the loan, saying "thanks very much, all up-to-date now, just keep making monthly payments...blah blah blah." Even if they did that and I was able to fight to get it back, I can see it being yet another long, drawn out process.

I think I'm going to say I want payment by cheque, so I can pay it into my other a/c, then I decide how much they see of it.

How long were you on a payment plan for, if you don't mind me asking? It's just that they haven't said anything to me about re-financing the loan.

WM x

[rudeboy866]

this looks like the thread i need advice from.
i had loan account and current account with lloyds. they defaulted both due to changes in circumstances;they added the two debts together making one repayment; however the current account debt was all charges and interest levied against charges, they have just paid back after my claim. however obviously with them adding this onto the loan some years agao, this has increased my loan and repayment time, as well as no doubt gaining more interest. is their a way forward ???

	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.

[andylondonuk]

Hi, I'm in a similar situation, I'm considering claiming back the charges for my Lloyd's current account, but I also have a loan with them.

I was concerned that the loan had a requirement the repayments came from a Lloyd's account. I can't find a copy of the original agreement to check the terms, but I seem to remember seeing on the website somewhere, that this is the case? Has anyone heard of this before? Did I misread it, or are they being economical with the facts?

I understand that if it's a separate agreement, it cannot be closed unless it's in default, which it's not and never has been. However, if the requirement above is correct and they closed my current account in retaliation (which they can't?), then that would give them grounds to close the loan?

I have a "Platinum Plus" Account and a "LTSB Personal Loan".

Andy.

[nishi]

hi. im in same situation as you guys. i hvae a refinancing loan with lltsb, plus a current account. i have opened a new account elsewhere, which my wages go into each month, but put money into my LLoyds account to cover the loan each month. im am in the process at the moment of draffting up the second letter, requesting my charges be paid back to me (the prelim letter).

[happy bunny]

Hi
Hi, im in same situation as you guys. I also have a refinancing loan with ltsb, plus a current account.

I sent my first letter requesting copy bank statements on 7th March, I then received these on 3rd April. I then sent my second letter requesting they pay back charges of £684. On 19th April I received a ltsb standard letter saying I had no chance. I then wrote a third letter on 25th April again requesting they pay back the charges, but no responce. So, I wrote a fourth letter on 24th May stating they have 14 days to respond or i'll proceed through the courts.

To date I have not received a reply to either of my last two letters. I have tried calling the number stated at the ltsb recovery centre only to get a recorded message.

What shall I do next??? Please help!!

[donbracho]

my partner is in same position case is to be heard on the 28th june at leeds mercatile court havent heard naything from lloyds reguarding claim yet ! proceed as normal my friend

[anniechef]

hi
i am in the same situation, have sent all the letters to lloyds and heard nothing, and am in the process of making a court claim, but i have a loan with them and have been on a reduced payment plan and have to pay the full amount back for 6 months so i can get my account back, but this has left me in arrears with my loan so was worried if i claimed they would take the money straight off me

[blondie02]

I sent the final letter off to LLoyds end of May (not got a court date) and they have just paid a standard amount into my current account, I also was on a payment plan with my credit card and loan. They have not taken the money out of my account to clear any funds but I would not keep it in there, as when the statement date comes around they could take it all.

[eileen58]

Hi everyone,
Hope you don't mind me putting a wee word in here. I also had a loan with lloyds and the payment came out of my account. When I started to claim my charges back last August I refused to pay my loan because the payment came out of my account and I was £170 overdrawn (made up of charges) as my loan payment was for £140. every penny I would have paid in would have went to the charges. I refused to pay the loan, and lloyds would not take the payment any other way.
By the time that I had won at court for my charges my original overdraft was up to £604. because they continued to go into my account twice a month for payments, which I refused to pay.
When I finally got my money which was over £2,500 they paid the money into my account that was overdrawn and therefore they got their charges back.
Because my loan was by this time about 4 months overdue, when I went to the bank on the Friday afternoon the bank did not want to pay me but unfortunately for them I had 2 decrees against them and they could not refuse. What the woman kept saying is that your loan is in arrears and I just told them that this was a completly different account and to pay me my money. I eventually got out the bank with my money at 5.15.
I think what you will find is that if you owe them money at all they will try and offset your charges against any thing you owe them.
As for asking for a cheque they just flately refused to give me one and just put the money into my account. The only way you would get round that is to close your account so they can't put the money into your account.
To Andylondon, when I was having all this bother with my account I asked if I had to pay my loan through my account, and I was told no you can pay your loan over the counter at any lloyds branch.

I hope this helps anybody in any way

Eileen

	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.

	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.

[fuzzywuzzy]

Hiya just found your posts.. so many..

I am reduced payments now 2 years and have experienced every underhanded move Lloyd's could pull.

Taking full contractual payments when ever they wished and some times twice a month and with the reduced payment along side them, juggling interest rates. Not holding the accounts when in dispute.

It has gone on so long I am now with a solicitor as there is a possibility there was some manual abuse on my account for an employee to gain financial bonus in the collections center.

I have 2 letters stating they will no longer remove money from my account and yet it still happens again and again.

You can cancel your direct debit for your loans but you will need to do this in branch, if they refuse, do it on Internet banking. Still pay by cheque the monthly reduced amount do not fall behind in your new agreement. Send your cheque with a letter stating your cancellation action and the dates the cheque is to cover. You do not have the option of letter covering cheque if you pay by cash over the counter.

Also if the abuse continues do not have any money paid into your account move it to a building society for the time being, when you come to highlighting the actions on your accounts all you will see is Lloyd's own and it makes life sooo much easier.

Your direct debit guarantee states you can cancel at anytime and it does not state it is different if the Direct Debit is to the person who you have the Loan with.

Lloyd's are disgusting when it comes to a crisis, expect no respite....

Kick back twice as hard, In my S.A.R - (Subject Access Request) I found mistakes and now it seems with the help of my solicitor, including Compensation for the removal of the funds from my accounts, Both my loans will be written off or repaid with correcting balances before i am returning to work.

Lloyd's bring this action on them selves, if i had been treated with some fairness when i became ill, I would still have both loans paying reduced amounts and none the wiser to any of my rights and their mistakes.

Just remember you may be ill at this time, but that doesn't mean you don't have rights.

F

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	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.