Just to update. I have dealt with the Area Manager and he has agreed to freezing my account and that I just make my regular weekly payments. So persistence does pay off.

I will call the disputes team again (third time lucky maybe)....I did ask to speak to a supervisor but that got me nowhere. Will try and be more persistent. It's a fine line, I want them to help so don't want to be too forceful lol. Just looked at post office accounts and not sure it would be suitable for us as my husbands wage gets paid into the bank. Doesn't look like they accept wages etc? Maybe I am looking at it wrongly?

The FOS told me on the phone that my complaint is with Loanspotter and not Lloyds TSB. Out of curiosity how come your other thread has vanished? The one that linked to this? Only reason I ask is that I had an email notification saying that someone from Loanspotter had replied but when I click on the link it says the whole thread has been deleted. I do have a post office near me (nearer than the bank in fact) I will look into accounts with them thank you

I had an email notification saying that someone from Loanspotter had responded and I've logged on and it's not here? Probably just as well and was ready to type him a reply............ I have made an official complaint to the FOS, all paperwork came through today so just going to print off all my evidence and send it back to them. With regards to changing my bank. It's not really possible. I live in quite a rural area and Lloyds is the only bank around.....I know I don't often pop into branch but when I do I want one I can go to easily rather than an hours journey

I emailed them asking for copies of the call recordings that they claim to have. I didn't send £10 to request anything from them.

Spoke too soon! Had a letter from Lloyds TSB basically advising me that they have sided with Loanspotter and that they will be redebiting my account on 23/09/13. I called Lloyds and as usual they were very unhelpful telling me that I cannot make an appeal over the phone that i need to negotiate with Loanspotter to get a refund. What am I meant to do not? This will leave me absolutely snookered

Just had the following email from Head Office:- Good Morning. Thank you for your emails which were received today. I understand the Area manager is dealing with the matter and will contact you directly in due course. regards, customer services department. So will just have to wait and see.

Just to keep everyone on the thread updated I haven't had any emails or letters from Loanspotter. They could still be texting me but I have changed my phone number so I don't know.

I have emailed the "removing visiting rights" letter to Head Office and the Area Manager has also had my request to stop all home visits so hopefully I won't have to deal with this. I have to say though I keep waiting for the knock on the door but really can't face it!

I don't have a statement showing what insurances I paid....i have asked the Head Office for this. Would I be able to claim this back for the sofa I have just sent back?

It isn't an agency it is their own staff! They just like their customers to believe that Temple Finance are a different outfit.

I refuse to deal with the store as the store manager is an absolute a*se...he just sends the debt manager round to say he wants payment or is collecting goods. I have emailed the "removing all visiting rights" letter to the Head Office which just backs up the email that I have already sent. As yet I haven't heard anything. I sent a copy of my first email to the Area Manager on Saturday and I received a really quick reply. All it said was that he has reviewed my account and noticed I hadn't made payments as agreed previously. It asked me to let him know when I can make any payment for him to see if he can help. I have replied and told him that I can make my weekly payments but cannot afford to catch the arrears up. I am awaiting a response. A copy of this was also emailed to head office.

I am currently having problems with Perfect Home. It's a little bit of a long story so I'll shorten it. I took out an agreement for a sofa and around 8 weeks later I took out an agreement for a TV (around 18 months ago). At the beginning I always paid on time (including their insurance) but then I fell into a bit of financial difficulty so I removed the insurance etc and since then I have gone into arrears and then caught up. Things have got really tight and there was no way I could catch up the arrears to we took the decision to send the sofa back. I called the store and arranged collection. This still left arrears of £70 on the TV which is where I am at at the moment. On Friday I received a visit from the branch debt collector, now I normally have a good rapport with him (because i often fall into arrears he is here quite often). Now this visit yesterday has really riled me and has caused me to complain to their HO by email. he advised me that if I did not pay they would pass it onto Temple Finance who are (in his words) "nasty pieces of work" and that they would "hammer none stop on my door / windows and shout through by letterbox" he even said they would "kick down my door to collect goods". Now I know that legally they cannot do any of this therefore I have emailed the head office as I cannot face another visit on Monday. In the email I have stated that i only wish to correspond in writing and that I revoke the right for any employee of Temple Finance / Perfect Home to visit my home. I have also emailed this to the area manager. I have asked if they can help me. I am not a "won't pay" I am a "can't pay". Does anyone know of what they could do to help me? i.e freeze my account? or put the arrears to the back of my agreement? Any advice would be gratefully received

Hi Manontheweb I'm well aware of the brokers and the pointless service that they provide. This was a company that actually called my husband and did state that there was a fee but that the fee was taken once you had received the loan funds. Hindsight is a wonderful thing. I haven't heard anything from Loanspotter for about a week now........

Not surprised! Ah well got my new card now so just keeping my fingers crossed that they don't side with Loanspotter and reverse the refund!