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Lloyds new charging structure confirmed as fair by OFT - NOT!!!!
Hi there
Like everybody else on this forum I have been trying to get my bank charges back. TSB currently owe me about £800 - £650 or so of that is overdraft and that all stems from going £2 overdrawn!!!! eek!!!
Anyway, despite having a letter with a claim number and everything I have been getting letters from all sorts demanding money and threatening to take me to court, spoil my credit score etc.,
I called ltsb up today and spoke to a girl there who advised me that LTSB are the only bank who has changed their charging structure. They did this following research and discussions with the OFT. Prior to putting their new charging structure in place they got the go ahead from the OFT to say that it was fair. Oh, right I said. I think when I've finished talking to you I will just get on the phone to the OFT and confirm that!!! Obviously as the calls are recorded I will be able to ask for a copy of the call to verify what you have told me. There was silence!!!!
I then called OFT and they advised me that this most definitely was not the case. I've therefore sent an email to their investigations department (at the request of the OFT!) so that they can investigate.
What is the world coming to.
I also asked them about the OFT guidelines on debt collection and how I was disputing this debt but getting letters etc, Again, naughty LTSB. They shouldnt be doing this. Not until the outcome of the OFT Test Case is heard anyway.
I advised OFT that this was widespread and that lots of vulnerable people were having their lives and credit scores etc., ruined because they couldnt get to court to fight them because of the stay they have put in place.
Just have to wait and see what they come back with!!!
Re: Lloyds new charging structure confirmed as fair by OFT - NOT!!!!
Originally Posted by gemspan
I advised OFT that this was widespread and that lots of vulnerable people were having their lives and credit scores etc., ruined because they couldnt get to court to fight them because of the stay they have put in place.
To be fair it was the FSA that put the waiver in place not the OFT
Lloyds new charging structure confirmed as fair by OFT - NOT!!!!
and that all stems from going £2 overdrawn!!!! eek!!!
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Originally Posted by gemspan
