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About mrsfedup

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  1. As regards OD charges , I would say so yes, but they claimthe £75 is to cover that.
  2. The account is an overdraft on a current account. I wrote the the bank in June to tell them of my current unemployment, I wrote several times and this fell on deaf ears as I continually received demands for the whole sum. With no further communication to me they referred it to the Moorcroft group, and after contacting them in writing we were finally able to agree a sum of £20 per month. I received a letter from moorcroft last week stating that they were no longer responsible for the account and it was being reffered back to LTSB, this is worrying for me now as I have no information as to where to send the payments, or if they're going to be stupid again. I will add however I made a complaint two months ago about LTSB bank on both of my accounts current account and credit card, after a long winded process I received a cheque for £75.
  3. Thanks. The account has been closed for some time as I have had a great deal of trouble with this bank. It most probably be easier to send payments by cheque to the local bank along with a letter asking for clarification?
  4. Hi, I need a little advice (again) please. My current account with overdraft has now been referred back to LLoyds TSB bank and now I'm worried. Does this mean I will be charged interest etc again? Moorcroft agreed to accept £20 per month and this has been ongoing for the last few months. My main question now is where do I send my payment of £20 which is due on 4th November? - local branch of LTSB??
  5. Thanks I'll have to check for the agreement start date. Why are they not allowed to enforce it if its pre 2007? I appreciate your advice as this problem is getting me down.
  6. I'd like to update. I sent a letter weeks ago basically demanding that they refund charges applied to my account that they had pushed up to £541.84!!!!! My online account had been suspended and I could not have access to it. However, I have had several phone calls which I have ignored asking me to phone them to "discuss" my account which I will not do because I simply do not trust them. Furthermore,I was about to SAR them and I checked yesterday just to see if I could access my online account and I could AND charges had been refunded! They credited £180, and then a further £48 the following day and also my payment of £20 -Making my balance £293.84! Thats the good news..now for the not so good news. As my previous posts indicate I have done evrything in my power to explain my situation but it falls on deaf ears - they decided that they want the payment of £293.84 in TOTAL by the end of the month!!!!!!. How many times do these people have to be told?! I've written AGAIN and explained AGAIN that my payments of £20 per month will continue. - Any advice please, am I doing the right thing? I really don't know anymore.
  7. Thank you miss muppet. I'm just getting to the stage now where I am sick to death of dealing with them. It's not that difficult to review someones circumstances and agree a different payment plan surely.
  8. Hi I must confess i'm confused with this account. I'm really not sure where I stand now this has been going on for too long. They told me I would receive an answer to my complaint by 13th September 2011- I'm still waiting for a response. They stated in writing that they had 'lost' - yes LOST by credit agreement but argued that the stsement of account is enough to enforce my paying them. Don't get me wrong I have every intention of paying my debt but this situation is ridiculous. I checked my account today online and found that my access to this account had been stopped. When I wrote to them I informed that I would be paying £20 per month - now alothough they stated that 'NDR' whom they handed my account to is no longer dealing with my account - they were not slow in cashing my cheque. No I don't know what to do, I've half a mind to write to them again demanding clarification of the handling of my account, and stopping making further payments until they clarify it. I am FUMING. Any advice greatly appreciated. Thank you
  9. Thanks for that, I think I will send my letter to chief executive.
  10. .... spoke to soon capital one bank are ringing again
  11. To make a long story short I have a LTSB overdraft which is over £2000, and a credit card with them of £3500.I have had lots of problems with this bank over the last 2-3 years but I'm going to give you a brief outline of the scenario. Last year LTSB LOST my payments on my credit card, they'd put my money in their holding account and basically said I hadn't paid my bill! I wrote and I sent proof that I'd paid, even sent my bank statement (other details blanked out of course), they decided it wasn't good enough. I asked my other bank COOP to provide me with proof of the transactions which they did, this had to be sent to LSTB no less than THREE times as they kept 'losing' it- rather conveniently I thought. While this was going on my interest and my charges went through the roof, not to mention the affect on my credit rating as I couldn't keep up- an eight month battle ensued until they finally accepted that they were in the wrong! part refund of charges only.I then had a problem with fraudulent activity on my current account, not once but twice! the bank' solution was to try and sell me 'privacy guard' at £6.99 per month! Work wise I've been unlucky as temporary contracts came to an end I've found myself unemployed- this is a nightmare for them to handle. I recently wrote to the bank over their attitude again and reiterated the above in great detail, I also sent all my written communications over the last couple of months. I had a letter back in which they partially admitted that they were wrong, and sent me a cheque for £75. However, for all the stress and anxiety they have caused me I think this is an insult. It's their fault I had excessive charges and interest on my accounts, its their fault that my credit rating is affected through losing my payments- a cheque and a half hearted apology don't compensate for that. What do you think? Thank you.
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