Consumer Action Group envelope labels
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Do your Internet search here Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Are you being threatened over debts more than 6 years old? This may be unfair
See our new Unfair Trading Guide Bought an extended warranty? Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide Have you been defaulted?
Would you like to clean up your credit file? Check it out Are you a victim of unfair trading? Check it out The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file? Check it out | | | | | | | Lloyds Bank Meet other Lloyds Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded | Welcome to The Consumer Action Group and The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  |
25th January 2007, 22:17
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#2 (permalink)
| | Platinum Account Customer | Re: Claim against lloyds with lloyds loan still active 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  |
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11th May 2007, 00:22
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#4 (permalink)
| | Platinum Account Customer | Re: Claim against lloyds with lloyds loan still active Quote:
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. |
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12th May 2007, 13:14
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#7 (permalink)
| | Basic Account Customer | Re: Claim against lloyds with lloyds loan still active 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 |
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15th May 2007, 11:17
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#9 (permalink)
| | Basic Account Customer | Re: Claim against lloyds with lloyds loan still active 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. |
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17th August 2007, 12:51
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#16 (permalink)
| | Basic Account Customer | Re: Claim against lloyds with lloyds loan still active 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
Last edited by fuzzywuzzy; 17th August 2007 at 12:58.
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NW11 7PE
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