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MoneyBAGs

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  1. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. Hmm I have difficulty imagining that bank statements would be tampered with. Do you have any evidence of this because it would be a very serious thing to do.
  4. A threat to close your account might be the Bank's big stick. It is more than mere account closure because with the temination notice will come a demand fro immediate repayment of any overdraft. An entry made to the credit register as well as the porblems caused by having to open a new account, overcom the effects of your previous bank history etc. However, it seems that a contractual term which permits arbitrary closure of your account - and also closure of your account without notice is unfair under the Unfair Terms in Consumer Consumer Contracts Regulations There is a very readable analysis of the Regulations by John Carruthers at:- http://www.journalonline.co.uk/article/1001153.aspx Extract:-
  5. How much money do you think you are talking about here?
  6. It's just so much rubbish, isn't it. "We are ethical because we overcharge slightly less than the others". The fact remains that disproportionate penalties are unlawful and therefore can scarcely be considered to be ethical. I suppose that you could quite reasonably argue that in the case of the Coop, failure to act ethically is a breach an implied term to do so. Good luck with your case. I hope that you give us a blow by blow account of it here.
  7. Has anyone ever brought a complaint about illegal charging before the Ombudsman? Has any one ever heard about such a thing. The Ombudsman is concerened with maladministration. Surely it is maladminsitration for the banks to conduct their contractual business in a way which does not comply with the law of the land?
  8. You can get directly to the Lloyds complaints department using [email protected] Also it is fairly easy to work out the email addresses of individuals as it is: [email protected] If your email is not returned to you "undeliverable" it means that you have scored a hit. The lower orders of Lloyds Bank staff do not seem to have email addresses.
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