Hi

Ive put in a complaint about the miss selling of my select account

I was told at the time in order to get a loan and a bigger over draft I had to take out the account, they also said loans would be cheaper if I had select account.

Was also told had to have account as no free accounts.

lloydstsb have said via phone call complaints department.

That i was not mis sold as I had select account so my loans would have been cheaper.Then in another breath he said I was mis sold account but would only refund first year fees.

I said can you put that as your final response so I can take it to Ombudsman, he said we have good with relationship Ombudsman so they will just say the same.

I've used the AA in 2009 2011.So they say its not mis sold.He said account was took out in 2003,i did not pass my test until 2007.So did not need cover then.

My argument is I was told I had to have account, so surely even if I've used product that's still miss selling.

He said nothing about cancelling my package account.

any advice

thanks

You need to first make a formal complaint - in writing - to TSB (or LTSB).

You should ensure your letter is headed formal complaint and send it to their head office.

They are obliged to respond or provide you with a deadlock letter within 8 weeks, after which time, if you are not happy with their response, you can go to the Ombudsman.

I said can you put that as your final response so I can take it to Ombudsman, he said we have good with relationship Ombudsman so they will just say the same.

 

Had they said this in writing, then you might have had further reason to complain as this implies that the Ombudsman is biased toward the bank !!

I told him to put it all in writing, he said " I'm trying to sort this now."

So I said "no in writing please",he said "ok".

So awaiting letter.

Do you think its true what he said about not being miss sold account?

He was not there when it was miss sold so don't know how he can say this.

I said to him its just like ppi miss selling, I know people who claimed on ppi insurance but still got refund.

He said that's not true.

Thanks for advice

TBH, I really don't know if it was mis sold or not.

Obviously if you were mis led into believing the package was in your best interests, when it wasn't then yes - it was.

He was indeed incorrect in that people have been able to reclaim PPI irrespective of whether a claim was made. If it was mis sold, it was mis sold end of story.

You could of course pre-empt this guys letter and send something along the following lines.

 

Dear Sir or Madam (or name)

 

Account references

 

Summary of telephone conversation with Bank Agent on DATE

 

On DATE, I contacted the bank in respect of a mis selling claim. The following is a summary and my understanding of that call.

 

THEN YOU NEED TO PRETTY MUCH ADVISE THE REASON YOU TELEPHONED - THE RESPONSE YOU RECEIVED FROM THE AGENT.

 

If you consider that I have misunderstood the conversation as above, perhaps you could advise further.

 

etc, etc..

thank you,sending a message now.

Will keep post up dated.

thanks for your help