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surprise last won the day on October 26 2008

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392 Excellent
  1. I can empathise with you going through something similar in our family but If you were feeling really malicious! you could always ring the local housing office up and advise them that your mother had passed away and that the property was empty. If its anything like our local council once you tell them someone is deceased they give you a week to empty the property. I don't know if all councils work the same but unless your name is on the tenancy agreement then the property does not automatically come to you even if you are residing in it. Hope this works out for you I know from experience what money does to some people.
  2. Just an update. Received the letter following our conversation and they are doing nothing wrong! Replied, then received a further phone call and they stated she has 2 options, pay £10 a month to have the account controlled or go back to a cashcard. I discussed this with her and she will have a cashcard. They gave me a number to ring, telephone banking, in order to do the change but they said she needs to go into the branch they can't do it there. Its a joke. She has incurred bank charges from 9/12 Feb of £46 but they are waiving these. So if they are doing nothing wrong why would they waive them? I spoke with her CPN about the situation and she said she has a lot of patients in the same boat and she has had to tell them all to go to the FOS. The thought of dealing with the FOS again fills me with dread just knowing how dire they are.
  3. I actually forward the CEO a copy of the original authorisation for me to deal with the account dated June 2007. It did state due to mental health problems. It was just after this time when Lloyds only allowed her to draw what was in her bank. This ws also the time whem I went to the MP as Lloyds allowed her a credit card which she couldn't pay. I complained to them at the time for allowing her to have a card given that she was only receiving benefits and it was clear she was struggling financially. My complaint was upheld and they wiped the debt off plus she had all her bank charges refunded. According to the call today there is no marker on her account and they said they were unaware of any special circumstances.
  4. There is no overdraft allowed on it. I remember many years ago she asked for an overdraft and she was turned down.
  5. Thank you oleg, I can understand what you are saying and one of the many underlying issues she has is the lack of concentration and has difficulty in taking in what is told to her this is why I manage her affairs and why TSB allowing her to overdraw is creating a problem because I don't know what she is spending until it appears on her statement. She does have a CPN and I have discussed this matter with her and she was going to try and discuss the importance of budgeting with her.
  6. Thank you for your response. She had a pyschotic breakdown in 1996 at 25,since been diagnosed with schzophrenia and depression and basically lives in her own world. She has no concept at budgeting. What is really annoying is that when Lloyds and TSB merged I had already involved MP and FOS and reclaimed charges and they did stop her overdrawing. The situation has come about because of the change back to to TSB. I'm just amazed that they won't stop the overdraft now they've been told again. I did tell them that I had every intention of continuing with complaint to the FSA and FOS as I believed she was not being treated fairly. This I have evety intention of doing. I've just checked her account now and they have repaid the latest charges. However, this really isn't the issue, I really need them to stop letting her use the card if funds aren't available. Would it be worth complaining about this to the FSA? Many thanks
  7. They did say they would put the conversation in writing so will wait for that but I really wanted clarificaation on whether they should be allowing soneone to overdraw on a basic account without an authorised overdraf.
  8. I emailed the CEO originally quoting BCOBS who passed the matter to his executive team hence the phone call this morning. I was told that BCOBS didn't apply because it was in their t&C's.
  9. My daughter, who has mental heatlth problems, recently discovered that she has been able to use her debit card and go overdrawn although she does not have any authorised overdraft. Therefore, charges are being incurred. I have today had a conversation with one of the executive team who have said that it is in their T&C's that if a Visa Card is presented for payment then they will honour the payment. I thought the whole idea of having a bsic account with no overdraft facilities was to avoid this situation arising. She only receives benefits so I was disgusted with TSB today that they are not prepared to stop the overdraft situation. Their only offer of help was a Cashcard. Before I start complaining to the FSA and FOS I would like to make sure of my facts. Would welcome advice on this situation please.
  10. May I suggest that all those having problems with any bingo site that they write a review on Which Bingo Alll sites are listed and you can write a review be it a good or a bad experience. There are other similar stories concerning this group. I have previously used Which Bingo to check on sites and I was glad I did. Good luck .
  11. Forever, sorry I cant help you but I would start a new thread as you have resurrected an old one and it would be better for you to give more details. ie: when the card was taken out, the amount owing, when CCJ was given, did you defend, etc. probably many more questions to follow. Someone then with more experience will see this then also head it something like help required with CCJ/Charging order so that it gets the right help for you. Good luck.
  12. Absolutely agree with you after 21 years and no other criminal records you would think anyone should be able to put that behind them. Thank you for your advice, this is very much appreciated. She is going to try and get them expunged and I will advise her about obtaining a basic one.
  13. My daughter is a limited company and as such she can apply for her own CRB check but the CRB said her job didnt come under this. They had a copy of the JD at that time. I have a copy of the CRB Report that came and it clearly states on it "Standard Disclosure" and they have listed the convictions. Her job does not involve interviewing, she is an Assessor. The contract was placed with the agency to cover maternity leave. I personally believe that the CRB should not have sent this report out. I have seen on this site people questioning whether convictions would be listed on a CRB check and the advice I have seen is that shoplifting for instant over 7 years would not appear, I think peeps should be aware that this may not always be the case. Thank you for all the replies so far, and I have to say a lot of them have been similar to my own opinions. Apart from the CRB report I believe they have been over zealous.
  14. They never actually said that, they said because of the CRB check they had to let her go. Whilst I do agree with you it was never intended as a lie because she has always believed that they never existed because of the length of time.
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