I have now had another letter from Lloyds saying' As we mentioned last time we have consideredany points you raised in your letter as well as all the information we have about your personal circumstances. In relation to your complaint we are happy with the response we have already given.' They then refer me to the Financial Ombudsman Service

Hi Everyone Attached is the Lloyds letter. Hopefully, everyone can read it. Look forward to your comments. thanks D scan0001.pdf

I can do that and state when the money goes in and generally follow it to the letter. But I am now worried to pursue this if they close my account as they say they will.

Thanks, I'll rescan the letter which clearly says that is exactly what they are threatening. Basically they said, and my local bank had the exact same policy document, we will let you appropriate for one month and then give 30 days notice and close your account. They also want me to specify exactly what the money is to be used for they say a budget showing all my incoming and outgoing money is not acceptable.

I also sent them my budget prepared by CCCS which clearly illustrates I am broke following redundancy. I was assaulted at work, went off sick, became disabled due to anxiety and depression tried to get back to work, when I did they made my role redundant 4 months later. I told the Bank the whole story.

Hi, I have scanned ion their reply Are you able to read it? They are not denying I am in hardship but are saying they will only give me some of my charges back and will only let me appropriate my money for 1 month and then they will close my account 30 days later. I went in to see a Bank Rep as this site advises and he went and got their procedural guidelines which are they will appropriate once and then close the account. I am trying to do 2 things here get my charges back and try and make sure my benefits payments are used to feed me and my children. I pointed this oput to the poor employee who met me. He said he would check back but so far I have heard nothing. I need to write up the meeting and confirm as advised here. However I pointed out that as a Bank owned by the tax p-ayer I woulkd expect them to operate in the spirit of the law. I have been a LLoyds TSB customer for 34 years. I am shocked at how ammoral they are.

I have just sent the one letter claiming hardship. The letter posted is their reply. Basically asking for me to prove I am in hardship. I have sent them my budget and prescription.

HI - thanks for your quickposting Jdes26. Many thanks D

hi - can some one help me please? any ideas on how to approach this? many thanks D

In my opinion your daughter has a very good case for unfair dismissal, compounded with bullying and harassment. The maximum award at tribunal being £60,000. However this is rarely awarded. More important given her new job is her reputation. I guess she is young and wants to put this behind her. That would mean that her colleagues will continue to suffer under a bullying manager. I would advise issuing a formal grievance to the employer stating clearly what you want i.e. her name cleared. 1 day later issue an ET1 tribunal claim which is easy to do on-line with the Employment Tribunals Service. This means that ACAS can get involved and you will then have access to very professional and unbiased advice.

Hi Everyone, Please let me have some advice - I submitted my claims against these two banks. Attached are the two leeters I received from them. please help me tackle them thanks very much D. scan0001.pdf scan0002.pdf

Ask for the company's e-mail policy also the disciplinary policy normally actions considered gross misconduct are listed. If the actions taken are not listed then summary dismissal is unlikely to be seen as reasonable. In any event as your daughter was technically still working her notice both parties must continue to honour the contract of trust imnplicit in the employment contract. Sending confidential information outside the company is a breach of that contract, but whetjerr that constitutes gross misconduct could be a matter of judgement. In any event the company is in breach of the ACAS code on discipline in failing to tell her she could be accompanied to the meeting. This is likely to make the instant dismissal automatically unfair at Tribunal. Without all the details it is difficult to advise. But you could insist that she be paid her notice and try and involve ACAS in negotiating a compromise agreement that includes a reference.

I have had an offer of partial settlement but they have rejected that I am currently suffering hardship. I am replying to them using letter 4 of the refusals template. I also submitted a letter of appropriation but Lloyds then said they would only appropriate once and would then close my account. I am currently on benefits and am disabled.

Having worked at rbs for a short while I left as I was horrified at what went on between senior maangers and younger female colleagues. They were a very greedy performance driven organisation and senior Directors basically didn't care about their staff or customers