Thread: LLOyds TSB Hardship letter sent standard reply

Hi Steve

If you mean should LTSB have sent you a more personal response, then yes and no - you would expect that they should, but this is Lloyds and template letters are the norm!

I have also applied under the hardship waiver and have only ever received standard responses with promises to respond within 4 weeks etc etc.

Do you have priority debt arrears and did you send evidence of this to LTSB? I am only a relative novice to all this, but am learning quickly and now know (as I didn't when I first approached LTSB) that this is what they should take into consideration when assessing you for hardship. I say 'should', but again this being Lloyds often they do not - there don't seem to be many people who have been successful with LTSB on the grounds of hardship I'm afraid

However, they don't have to refund anything as far as I'm aware, even if hardship is proved - merely freezing charges and interest could be seen by them as assisting you at this difficult time.

There is now a dedicated Hardship sub-forum - in the General section of this Banking forum (apologies, I don't know how to do a link), where you will find other threads from fellow Caggers with similar problems and some very good advice, particularly from 'yourbank', who is very knowledgeable.

Hope this has helped a little!

Good luck,

Landy x

Wonder what the fos would think to know that Lloyds have commenced making penalty charges against you account now that you have complained to the ombudsman?

Think that the banks will try and drag the legal case regarding charges out for as long as possible, to avoid paying them.

To be honest i'm quite surprised that they haven't lobbied to push through the ammendment to the statute of limitations, shortening the period that someone is liable for a debt from 6 to 3 years (to be in line with the rest of Europe).

Know that the Ministry Of Justice has commented on their intention to do this, and would let the bank off of money they owed customers.