just rang and asked for complaints email address and my reference number they are calling me back

its secured collections at lloyds?

0808 145 0384

i also complained to managing director of lloyds bank

it all seems very wrong, i need help

well done!!

FYI:

https://whocallsme.com/Phone-Number.aspx/08081450364

I rang halifax and checked the number they confirmed this is right

just writing my complaint now .. i hope they look into it and resolve things

I don't understand why they wouldn't me not do the income expenditure on my own and only accept it over phone ..

she inferred that they would accept my proposal if I did that as it would help me.

I said I was exhausted mentally but wouldn't let me off the phone and made out she had all the power and had already done me a favour bug lowering the amount of payment they wanted to stop the eviction

yea some foreign operator on commission to get results I bet.

in your letter

tell them you want a copy of the recording that they took of that call

and all the others that have distressed you.

as you wish to raise a complaint with the FOS/ICO/FCA and your MP/

She wasn't foreign she was my case manager but was on a power trip , she said she wanted to know what I was complaining about her about I said I just needed to get off the phone and she kept on and on ..

do the complaints dept ever resolve things and change the outcome or agree to my proposal at all?

Halifax should not be treating you this way

I have a secured loan with another provide they have a bad reputation and even they have never acted this way to me

How on earth do I get them to accept my proposal

The complaints team called and said it was serious at this point so talks and phone calls had to be done in this way as I was at the point of losing the house.

They asked me if I was going to pay the £2100

I said I hadn't decided yet if I would do that as I was most likely going to put in an N244

she asked why again ???

I am unsure what to do from here.

My proposal is £1000 upfront and the Future payments of the cmp as I was told they would capitalise the rest of the arrears

The complaints team called and said it was serious at this point so talks and phone calls had to be done in this way as I was at the point of losing the house.

don't believe that for one minute..

so what do i do from here... i cannot afford £2100 i want to pay .. i cam afford to do that but i want to pay every month going forward .

No idea where to go now .. i don't really want to do an N244 .

Should i write to halifax again???

to whom?

they were quite annoyed i wrote to the managing director of lloyds banking and mentioned it several times oooops!!

good

I would do what you want to

shows goodwill

let the complaints do there job now.

please don't speak on the phone

let them write

They aren’t looking into the complaint further as they said they have done every they should..

. what do I do from here

That should read they said they have done all they should as it’s a very grave Time for me so they should of course discuss the account and my finances and my health at such great detail.

I want them to accept my proposal without me going to court..

is it likely if they are threatened with me getting the phone recordings

have you had a formal reply in writing that the complaint is dead or they think its resolved.??

She said it was done , I can take complaint further , but she will post letter out. I said I’ll go ombudsman. Why are they so underhand ?

pers I would not believe a word you are told over the phone.

should I write to Halifax case management or someone else there ?

Anyone ?

no sit on your hands

await the letter

I would be writing a letter of complaint to the MD on the way you appears to be being treated

state also that you refuse to now communicate over the phone following the harassment and abuse you have suffered

not by email.

I’ll write a letter in morning . I have till 2nd Oct eviction date go sort this out. Will I stand a chance ?

Do I write in it what I want regarding my payment proposal?

have you had it in writing they ARE evicting you on the 2nd

I would include your already made proposal. yes

but the main idea is to complain higher up the tree.

please stop worrying

stay off that phone!!

chill out

Yes had it in writing .

I wrote ( emailed ) to someone called Antonio who is the head of Lloyd’s/ Halifax they didn’t seem pleased

Made the mistake of putting the post on money saving expert to be told Halifax are right and my mental health has no bearing on whether I can pay my mortgage or not etc!

I feel like saying it’s not cut and dried !

If life was perfect I would have been paying

Also if I have a complaint with ombudsman does the eviction get delayed till it is resolved ?????

If I have have a complaint with the ombudsman will they delay the eviction while it is investigated???

Can you give some more background please. What type of housing - Council? Housing Association? Private? Do you own or rent? What's happened so far? Which Ombudsman?

Apologies ... I have had eviction date set for 2nd Oct for arrears with mortgage . Brief explanation... I have 9k arrears and spent 2 hrs at one point on phone to Halifax ... they wouldn’t let me do income expenditure over phone, they made me send every bank statement for last 4 months and interrogated me on every spend .. they told me I’d have a payment plan if I didn’t it this way the. Said no and I’d have to pay £2100 .. I said I can pay £1000 as £2100 would mean I couldn’t meet the next payment and I really want to get on track with it . I complained and was called back next day by Halifax who said because my situation was grave I was spoken to in the appropriate way and she would put that in writing and send it out. I said I will complain further for the harassment.

in short, no unless the ombudsman orders them to