mom and the lloyds "loans" "WON"

**archer_66** · 21st May 2007 19:17

ok to cut a long story short......mom came into some money which she invested with her bank Lloyds icon

tsb.when she got short she'd go in and speak to the man dealing with her investments and ask for some money from it.he'd give it to her and she'd leave.well after a couple of yrs she was called in to speak to someone from a different branch about the man dealing with her.apparently he was being investigated.he had falsified details about her,saying she'd had money in other accounts etc and said her money wasnt doing well enough in the investments and had changed them over thus filling in the form with wrong details.he said that among other things the money mom was taking out her investments were in actual fact loans that he was giving her without her knowledge!! he said that they were looking into his dealings as her investments were doing brilliantly in fact! and the form filled in without her permission.mom was very poorly at the time ,had just lost her son and wasnt really thinking.its been more than a year now and sh's heard nothing about it.i am going to write to lloyds asking what happened and to ask for the interest icon

back that was paid on the loans given to mom without her permission.
what i want to know is.... is there any relevant laws etc i can put in the letter to make them a bit worried and deal with it swiftly? i have wrote to the banking Ombudsman icon

and they just said they dont deal with singular complaints and i need to write to the actual branch.

any ideas anyone??????

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**nicsussex** · 21st May 2007 19:28

Would have thought S.A.R - (Subject access request icon

) would be an interesting place to start

**archer_66** · 21st May 2007 20:48

would purpose would that serve? i know she hadnt accumated any charges on the loan,they amalgamated it with her ongoing one that she took out? i might be missing something though? could you elaborate?

**jshtr3** · 21st May 2007 21:04

S.A.R - (Subject access request icon

) will give you all the information relating to the account. You can check then, that the only funny stuff that's been going on, is the stuff you know about already. If they've been getting your mum to sign loan agreements then it wouldn't be surprising if she'd signed other stuff unkowingly either. In the words of my gran "there's not much point going off half cocked

"

**archer_66** · 21st May 2007 21:06

thing is how would she know the agreement numbers? or how many shes had? i think he said 3! but im not sure.... would giving her details show things up ?

**jshtr3** · 21st May 2007 21:19

You say your mum has other accounts/investments with Lloyds icon

. If you send the SAR icon

with these numbers and add a paragraph asking for information about all other accounts she has had with them, I would have thought htey'd be included. I may be wrong but that's how I understand it. Another possible route would be the police. I would have thought that what's happened to your mum is probably illegal, and the police would certainly make the bank act swiftly. I must make it clear though that I have no legal knowledge to speak of. These are just my thoughts, but it may be worth checking out

**archer_66** · 21st May 2007 21:21

thanks for the advise,if they start acting dumb then i shall threaten them with the police...ill get the letter sent off for her .... lets see whats happened that we dont know about!

**nicsussex** · 21st May 2007 21:23

The SAR

should make them provide all information relating to all accounts in her name

**archer_66** · 21st May 2007 21:27

great thanks

**archer_66** · 24th July 2007 20:55

ok moms had a letter back in reply to her SAR icon

... all it is is a list of the account fees for each month!! theyve put nothing on it about any other account or loans and have just taken it for granted i want to reclaim bank charges... which i knew she didnt have anyway!!!
what shall i do now? just write asking them to supply the rest of the SAR icon

?? then how long shall i give them cos their time was up today .. arrrgghhh theyre so annoying!!

**passivenomore** · 24th July 2007 21:40

Hi archer...

You could send them a non-compliance letter, you will find something suitable here:

http://www.consumeractiongroup.co.uk...n-act-non.html

Also, I would remind them (in no uncertain terms!!!), that the 40 day limit has now been exceeded.

Best of luck.

**archer_66** · 25th July 2007 08:14

i shall be VERY firm with them about non compliance but its going to be a flipping long letter cos i shall be putting why i want the S.A.R - (Subject access request icon

) and also that the police will be brought into it if i hear nothing off them

**Red Rebel** · 25th July 2007 08:25

I would also drop a line to the informations commissioner in order to swell the ever growing complaints against Lloyds icon

.

**Titch28** · 25th July 2007 08:26

Does your mum have internet banking? If not, you could ask for it to be set up and her account history should appear on there? Account information is on my internet banking from well before I set it up.
I would imagine that your mum was not the only person that fell prey to this guy, so I would've thought there'd be some kind of investigation into what happened. Does your mum not have a right to know what was discovered?
Perhaps a meeting with the branch manager might give them the kick up the bum they need?

Good luck mate, let us know how you get on.

T

**christinajanep** · 25th July 2007 10:55

i have never heard anything so outrageous, this guy should be hung drawn and quatered

**archer_66** · 25th July 2007 11:19

thanks all ,i very angry they treated her this way ,and i shall be sending a letter today or tomorrow to the branch .there was an "investigation" mom was interviewed but was never told anything else about ,never even offered her an apology!!

**fuzzywuzzy** · 25th July 2007 11:32

Hi Archer
I am with FSO at this time for a loan with my mum not the same circumstances but definite miss sold.

Lloyd's have stalled with this big time, and its disgusting.

I would not even give them the time and chance that you are, if you know for sure something is not right then go to the police an ask to see someone from fraud, they may even come to your house.

How did you find out the bits of information you have to date regarding his actions and being discovered.

Did he leave the branch after as in fired.

Also with my mums banking we had a worry of someone taking from her account with false documents, when i asked to be told which documents were used, the bank was not at liberty to tell us.

I highlighted that a passport or birth certificate needs to be reported for my mums protection.

They then advised they do not inform the police and they do not have to, but we can... but with what evidence if they will not supply any???

Its out right wrong..

Go for them from all directions i say as they certainly wouldn't hesitate if the boot was on the other foot.

Good luck

Fuzzy

**bally35** · 25th July 2007 11:50

Have just noticed this thread.
Have you got anything in writing which confirms that the member of staff in question has been acting fraudulently?
Actually even if you havent I ould be getting straight in touch with the police since these are criminal acts.
Do you imagine for one minute, that had it been you mucking about with your mothers accounts like this that they wouldnt have informed the police.
As a first step, I would go to her branch and very loudly demand to see the manager about the fraudulent acts that were admmitted to by bank staff last year and why you nor your mother have been kept informed about the process of their internal ivestigation.
If they try to bullshXt you, just get louder and louder, and ensure as many customers as possible can hear you.
Believe me they will give you somewhere private to" chat" about this.
Dont be rude, just loud

**fuzzywuzzy** · 25th July 2007 12:04

Originally Posted by bally35

If they try to bullshXt you, just get louder and louder, and ensure as many customers as possible can hear you.
Believe me they will give you somewhere private to" chat" about this.
Dont be rude, just loud

This works so well

and its amazing once you get in there how a member of the staff once listening to your problem does actually become quiet shocked as to the extent of your troubles, its just getting someone to listen.

**archer_66** · 25th July 2007 12:51

lol i can imagine their faces if i was to go in very loudly asking to see the manager about fraud!
right i have wrote the letter to them explianing why i needed the SAR icon

i have told them all about the loans and the thousand pound that went missing out of the account but was later put back in when a fuss was made!! also that i shall be giving them first oprtunity to rectify the matter before i call the police in on the matter.
fuzzy i found out about all i know now due to mom being called in for an interview with a man from a different branch.mom asked me to go in with her as she wasnt sure what it was they wanted.he knew at the time that she had no knowledge of the loans as she said so.also the other employee that gave her the loans had falsified details on a form in order to change over the investment to something else..
ive nothing about the outcome of the investigation or what happened to the man.mom thinks they just transferred him.how many other people has he done this to though that dont even know??
i think they should be shot.they are by far the most deceiving bank of all that ive heard about i think ill email the IC the letter ive just wrote actually

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