Hi all, not sure if this is in the right place but i'm sure someone will move it for me!!! sorry
right are you ready this is a long story and has gone on for nearly 4 months!!!
LLoyds offered us back a refinace package to consolidate our overdraft and loan we had with them, we were unsure and spoke to someone who asdviced us this would save us money, we signed the papers and returned them by recorded delivery, after 2 weeks we phoned as nothing had been done, they sadi they lost the papers and we would need to sign them again..
after many calls telling them we had not received them, someone told us we could visit the branch and we could sign them there!! this was not the case after 2 hours we were told that it was a waste of time and the branch manager had messed up as he had erased our orginal loan and set up the refinance packeage but we saw no money.
we called the collections dept and asked to speak to the manager, he said that the branch had messed up and we had to wait for that to be sorted before they could re print the refinance package papers for us to sign.
a few more weeks later and another load of phone calls we were told that because the refinance package was set up by the local branch we now have to make the payment for that instead of our old loan!!! we were furious that we now have to pay for something we don't have... the manager told us if we didn't it would affect us when we actually do get the papers!!!! (we are sure they are never going to arrive)
so now we are paying for a loan we don't have and overdraft charges that the loan was supposed to pay off.
what do we do now? someone please help we are at our wits end we have made so many phone calls