hi, can i ask are all these points in the consumer credit act. wondered if this was an argument i could try?? ( my thread is http://www.consumeractiongroup.co.uk/forum/lloyds-bank/220250-lloyds-irresponsible-lending-new-post.html)

i dont know if this is the right place to post this but hopefully its ok. i am looking for advice on dealing with irresponsible lending by lloyds tsb bank. Their branch manager gave us loans and an overdraft we clearly could not afford and in fact played with figures slightly to secure us the finance. in 5 years they have doubled our debt to 45,000, over half being owed to them. we have now entered a debt managemnet plan with cccs which at its current payment would take 19yrs to pay off. lloyds have in fact refused the offer fromm cccs for the credit card and initially accepted for laons but now changed mind as they have not received payment (even tho, cccs have had my payment and told companies they would be paid on 25th of each month, acording to my calander we r not yet on the 25th?). Lloyds have also ignored our request to cancel the loan protection on each loan thus bringing the level of debt down. LLoyds so called "help" has not only increased our debt but has put major strain on my young family. we dont smoke, drink or eat out. we rarely have family days out (have 3 children, 5 and under) we have had one family holiday in 5yrs which was a sun paper holiday to pontins and my parents ended up giving us money for petrol etc or we couldnt of even done that. Any suggestions/advice on where to seek help or who to talk to would be appreciated. Thankyou

cant find where to start new thread??

katesage, could u possibly give the address for the department in lloyds that deal with irresponsible lending as we believe we have a case to put to them. Their branch manager gave us loans and an overdraft we clearly could not afford and in fact played with figures slightly to secure us the finance. in 5 years they have doubled our debt to 45,000, over half being owed to them. we have now entered a debt managemnet plan with cccs which at its current payment would take 19yrs to pay off. lloyds have in fact refused the offer fromm cccs for the credit card and initially accepted for laons but now changed mind as they have not received payment (even tho, cccs have had my payment and told companies they would be paid on 25th of each month, acording to my calander we r not yet on the 25th?). Lloyds have also ignored our request to cancel the loan protection on each loan thus bringing the level of debt down. LLoyds so called "help" has not only increased our debt but has put major strain on my young family. we dont smoke, drink or eat out. we rarely have family days out (have 3 children, 5 and under) we have had one family holiday in 5yrs which was a sun paper holiday to pontins and my parents ended up giving us money for petrol etc or we couldnt of even done that. Any suggestions/advice on where to seek help or who to talk to would be appreciated. Thankyou