thanks for your reply photoman its not really a dilemma for me.They cant have what i dont have and Im not even all that bothered after years of excessive charges and ridiculous penalty fees for different things. I dont have loan protection and its ones of those situations where for once they can either try accomodate me and show some acknowledgement of my 25 years good banking or get nothing.At this moment in time I cant even be bothered to listen to an eternity of voice/press this number options to get to a bank person who clearly isnt concerned. Im just going to write them a nice letter next week and they can take it or leave it. Even though i recognise my obligations,Im not concerned with making them wait for a change,they are never prompt in giving me what they owed me at any time,so im happy to adopt a similar postion..

Apologies in advance i have posted this earlier on a different forum section in error Hi Im hoping for some advice. After a terrible 4 years of unemployment and other things in England i moved to canada in June and married a canadian citizen. I have a Lloyds TSB loan that i have kept up the repayments on,but due to the immigration dept backlog in canada i cannot get a work permit until Feb/Mar 09. I spoke to Lloyds this morning and explained the situation and they just threatened me with debt collectors.I told them i wasnt running away from my responsiblities and that i hadnt missed a loan payment in 21 years and that Im caught in a situation that is not my fault,but basically they didnt want to know. I explained to them that their debt collectors have no powers in Canada and Im trying to work out a solution rather than running away from the situation but they didnt seem to want to help me and just ended up transfering me to the main switchboard for no reason. After 25 years with them,i really dont want to mess up my account and it would be the easiest thing in the world to just disapear from the radar. Any suggestions would be welcome...thanks

thanks,after 4 years of chasing charges and also the mega hassle they gave me over the Zoom Airlines collapse refund,its very tempting to say "do what you like and kiss my ###" but my initial attempts at being communicative and reasonable have left me thinking why did i bother...

Hi Im hoping for some advice. After a terrible 4 years of unemployment and other things in England i moved to canada in June and married a canadian citizen. I have a Lloyds TSB loan that i have kept up the repayments on,but due to the immigration dept backlog in canada i cannot get a work permit until Feb/Mar 09. I spoke to Lloyds this morning and explained the situation and they just threatened me with debt collectors.I told them i wasnt running away from my responsiblities and that i hadnt missed a loan payment in 21 years and that Im caught in a situation that is not my fault,but basically they didnt want to know. I explained to them that their debt collectors have no powers in Canada and Im trying to work out a solution rather than running away from the situation but they didnt seem to want to help me and just ended up transfering me to the main switchboard for no reason. After 25 years with them,i really dont want to mess up my account and it would be the easiest thing in the world to just disapear from the radar. Any suggestions would be welcome...thanks