Thread: Sending account to DCA whilst in dispute

Hiya, I recently sent letters off to lloyds reclaiming bank charges and to complain about the exceptional level of telephone calls. I have recieved letters saying it has been passed to various departments (all letters are the same wording just different contact details for the various depts) now i have had a letter saying my account is being passed to a DCA! I though they couldnt do this if the account is in dispute? Needless to say i rang them up and they have placed a 14day hold on the account! Another thing, i downgraded my account from silver to normal yet am still being charged for the silver account!!!!! Again increasing my unauthorised overdraft, incurring more charges. This account is also joint with my husband and last october i asked them to change my address as we had moved. They did but all of my husbands correspondance still goes to the old address. The account is set so that we can both make changes without permission from one another and the other doesnt have to sign anything. This is a risk of DPA breach surely? As any one could b opening the letters and using the personal data?

Thanks in advance for any replies and help!

I will be sending the letter before action if i have not recieved an acceptable resoultion to my complaints by friday!!!!! They will not get away with this!!!!

Thanks again

Emmathomas

Hi

I have written to Lloyds three time complaining of telephone harrassment whilst in defualt. Lloyds WILL continue to call. They drive me mad! I have found that if you refuse to go through security with them and say "writing only" they end the call. I think the problem is with the call centre based abroad - there is obviously nothing on the system about your request or your "no phone" preference.

I am now preparing to take them to court and ask for compensation.

cas

Thanks supasnooper

Yes it is that call centre.

I will try that. I have noticed that they end the call quickly if you mention CC Act and

they always say "we will still call ma'm"

I went through a stage of answering the phone like this:

"Hello ACME Building Services", and when they ask for me I say "one moment please"

then I put the phone under a cushion until they hang up - childish I know and I soon tired of it!

cas

Thanks for the advice, i recieved a letter from Lloyds complaints dept today, it basicly says that because i signed the terms and conditions of the account when i opened it, that i agreed to the charges! they say that they think their charges are fair and that if i take them to court they will ask to put the case on hold. They also say they will not refund the intrest charged on the charges as this intrest it standard among all lenders as i had the 'benefit of borrowing the money'. I didnt borrow money i went overdrawn by £60 which has resulted in charges now totalling £300+

The weird thing is that they recognise i am in 'financial difficulty or hardship' - im on a dmp - yet say they want to negotiate a re-payment plan.

Im confused now as to where i stand. What do i do? Does this mean the accounts on hold? and i have to wait for the court appeal to come through?

I havnt yet recieved a response to the letter i sent about the telephone calls - i used the template provided by you guys thanks.

Another thing - i had a silver account and downgraded this to standard as i switched banks so they couldnt take my money - yet they were still charging me the £7.95 and still are as far as i know (havnt had may statement yet) and have passed this to another department to investigate.

Thanks in advance

your help is much appreciated