A new means of breaking a persons spirit?

Paco1 · 16th February 2007, 22:13

I'd like to say Hello to everyone on the CAG site. This is my first posting but in the next few days I would like to post details of MY problem and would seek ANY constructive advice, opinions, etc from ANYONE who feels that they can genuinely assist. I will apologise now, in advance for the War & Peace saga that it has turned into due to the Customer Care Dept. (now that really is a misnomer) of LLoyds TSB. I wish you all a good weekend. Guillermo, Spain.

Rooster-UK · 17th February 2007, 02:40

As the banks break your spirit, we mend it again.
Look forward to reading your posts.

Regards, Rooster.

The Lantana · 17th February 2007, 02:43

You speak the truth Rooster, this site is truly great.

Paco1 · 17th February 2007, 15:42

Dear All,
In June last year I set up an arrangement with Lloyds TSB in the UK to send my pension to my Spanish Bank A/C. This was to cost £20 each time the money was sent. On the first occasion the money arrived 3 weeks late but I accepted this as being time for the set-up to be put in place. The second payment never arrived because whoever was responsible inserted 21 numbers - all Spanish accounts have 20 - 2 of the numbers inserted were incorrect and a third number was in the wrong order. I thought as the bank or its' employee could not get this relatively simple thing right that it was better to make new arrangements elsewhere. I cancelled the arrangement with Lloyds in November 2006 by 'phone ,followed up by a letter which the bank did receive but the payments arrived again in December '06 and January '07.

This made my account overdrawn by £2000,I incurred interest charges (since restored as were the fees the bank charged). I offered to return the money immediately via my Spanish Bank but Lloyds insisted it had to be "officially" requested by Lloyds TSB's International Dept. in Birmingham. No request was ever received by the Spanish Bank even though Lloyds say they sent a request on 26th January.

I eventually returned the money as I originally wanted to do, without any request being made by Lloyds. During the last 6 months this matter has been an absolute nightmare. On 9th January I sent a complaint to Lloyds Customer Care Section in Birmingham. I have never received acknowledgement in spite of the fact that they should respond I believe in 5 days? and by letter in 10 days? Lloyds have never contacted me in writing even now and have only reurned calls on 2 occasions, 1 being my branch. I have continually had to contact Lloyds to attempt to get any update, have been put through to different people on each of approximately 50 occasions and on each of these I have had to reiterate the saga.The stress this caused is unknown, I have been treated for high blood pressure for the last 18 months in Spain so it would not have been helped by this situation.

I think one of the worst things of all in this matter has been the fact that people promise to 'phone you back or contact you but never do.

Lloyds have now made what they term a "goodwill gesture" by offering me £50 to cover the cost of calls and time I have incurred dealing with this incident. I have declined this offer.

I would welcome any advice, opinions etc as I assume I will take the matter to the Ombudsman.

17th February 2007, 16:43

I think the offer is a good one but they should have advised that you would need the IBAN and SWIFT code which should have been specific for the payment to be sent.

BankFodder · 18th February 2007, 08:45

I think that you should now post this entire story in the Lloyds forum where I am sure that many people will make useful contributions.
If you have written evidence for the assertions you are making in this post then I have no doubt that you can achieve a satisfactory solution in a fairly short space of time.
Pm me when you have started your ne thread and we can start from there.

I can't imagine why you want to take this to the Ombudsman. You will get far more spirited and satisfactory solution if you handle it all yourself and if you use the courts if necessary.
Do you have access to a UK address for service?

Paco1 · 18th February 2007, 13:29

Nattie, after 6 months grief from Lloyds TSB I think the offer is derisory, insulting and in view of the fact I've held an account with them for 40 years, paltry.
BankFodder I cannot find a "forum" in Lloyds TSB's site?

Michael Browne · 18th February 2007, 13:36

Quote:

I cannot find a "forum" in Lloyds TSB's site?

He means the Lloyds forum on this site:
LLOYDS BANK
http://www.consumeractiongroup.c o....m/lloyds-bank/

18th February 2007, 14:20

Guillermo, I posted after misreading it so ignore what I have said in the previous post as i initially thought it was merely a foreign payment that had gone wrong, on further reading clearly I misread totally the post so ignore that one and sorry.

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