Hi, Both myself and my partner have accounts with vanquis, one for 300 and one for 500 - they sell the debt on very quickly.... I keep writing to them telling them i am experiencing financial difficulties, by law i believe if you complain they can't process anything legally for 6 weeks, so i keep complaining. Threaten cars with legal action ... well i have as i was experiencing two letters a day and in excess of 11 calls too. I then wrote to cars and requested a pyament plan agreement, they won't help me but my partner was more successful and offered £5.00 a week which was accepted.

I've wrote to them and told them i any activity is due to fraud, but i'm still getting threatening letters for the overdraft on it and the overdraft has been sold on to debt management companies. I've been into lloyds branch and they literally ended up asking me to leave and refused to help as they said i owe them the money on my overdraft despite loads of it actually and genuinly being fraud....

Hi, it wasn't up to date becuase i didn't understand how the billing process worked. They installed a metre and agreed a repayment plan with me! They have contacted me and offered me £50.00 to say sorry. Not sure what to do?

Hey everybody, Please see this letter: I’m writing to complain about the appalling level of service received from British gas in the past two years paying specific attention to that of the events listed below. I wish to reiterate that the below is a duplicate, as I initially sent my letter of complaint to you and four other departments on 11th January 2011, yet I am still waiting for a response to these serious issues, which I simply requested within 14 days of receipt of my letter. I am deeply saddened and disgusted that your company simply ignored all my correspondence, and wish that you re-evaluate your customer service response team. On Monday 10th January, after receiving a letter from your complaints department dates 16th December 2009 I made an attempt to contact, of which failed, due to the name of the sender of the letter not being present. During the early afternoon I noticed a black Golf car drive up and down my road and then pull up at the end of my drive. Upon answering the door to this person I was told he was here from British Gas to disconnect my Gas and Electric. This individual when asked, could not provide any Identification. Naturally I was concerned as to whether this was legitimate, as this individual was not wearing a Uniform, had not ID and was not in a British Gas car / Van. When I advised that he was not allowed into property he simply responded that he knew where the metres were anyway. After becoming increasingly scared by the manner of this individual’s tone and the safety of my property, I closed the door in his face and locked my door. After several moments, this ‘representative’ started banging heavily and abruptly on my door, at this point I then noticed your British Gas representative started to peer through my Kitchen window, I walked into my living room, to which he entered my back garden, trespassing on my property to peer through my living room. At the point I was extremely scared, being home alone and severely asthmatic, I ended up hiding in my own property shedding tears of sheer fear. Upon all events becoming quiet, I had noticed that this representative sat in his car for approximately 10 minutes until driving away. I immediately contacted the police on a 999 call, the incident number being M005231 who advised my to look all the doors and windows and remain out of view. The police arrived at my property and immediately contacted British Gas on my behalf to question if this was a legitimate British Gas Representative. PC Melissa Davies of Mold police station was advised that there was no contact down for myself, although the status of my account could warrant a call. I can not believe that British Gas have allowed a representative to trespass on my property, peer into my house without any due consent, cause myself to suffer from an asthma attack, and make a young woman feel intimidated and frightened in her home. I made Kathryn Williams aware of this situation as I had been in contact with her earlier on in the day, and the only apology received was that of, sorry for any distress caused. I find that statement to be unfair as I believe a more formal apology should be received. I wish for you to confirm whether or not this visit was legitimate and what you are prepared to do to compensate me for this event including spending 3.5 hours of my time after the visit trying to sort this matter out. This is quite simply your final chance to respond to this serious complaint, of which I want a response within 14 days of receipt of this letter. Failure to do so will result in Ofgem being contacted along with all local press. This obviously is now the second letter, and i've still not received a response, despite sending 5 different letters to 5 different departments on both occasions. Can anybody tell me what to do next?

Hi, hope somebody out there can help me. Last year i lost my job, which pushed me into financial difficulty. Ive sent them numerous letters and had many conversations with them. i sent this letter Sandra Gordon Senior Manager Group customer Relations Business House F Gogarburn Edinburgh EH12 1HQ REF: Customer Service and Overdraft complaint Dear Sandra Gordon, I am writing to complain about the level of service received from Natwest. On Monday March 28th 2011 I received my automated text message saying I was over £600 over drawn, after sheer panicking I attended my branch in Mold (flintshire). When I arrived at the branch to discuss the status on my account I was simply met by unhelpful arrogance and people unwilling to assist me in any way what so ever. After refusing to leave the branch until I spoke with somebody I eventually was provided with a phone number to discuss my account as it was ‘above their level’ I lost my job in September 2010, where I regularly kept Natwest informed and that I may be entering financial difficulty, where I was praised for keeping the branch informed. In a matter of 6 months I have been met with refusals to withdraw cash, refusals to increase my overdraft, refusals to cancel direct debits and sheer snarling and rudeness from members of staff both over the phone and in branch. My question to you surrounds bank charges, why is it that you always apply bank charges when there is no available funds, this causes you to receive yet again even more charges, this never getting out of the viscous banking astronomical charge cycle, and my second questions surrounds the notification of bank charges, I wish for you to prove communication of every single bank charge applied, as I do not believe I ever receive notification. How do you expects persons to improve their accounts when you instantly at the click of a finger simply add ridiculous charges to somebody who is in financial difficulty, I find this to be a matter of greed, you as a bank thrive from astronomical fees and charges. So long as all banking managers are receiving their bonuses each year who cares about the petty customer in financial difficulty struggling to even have money for food and other bills. My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways. I noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you, I am confronted by the impersonal, overcharging, pre-recorded, faceless entity that this bank has recently become. After several months of (un)amusing banter back and forth, it became apparent that: 1. Natwest takes money whenever it feels like it 2. No two departments at Natwest are capable of communicating with each other 3. The people who deal with my letters are impossible to find on the company directors I trust that at long last this matter will be addressed and I will receive a satisfactory response and full closure to this matter. I look forwards to receiving your response within 14 days of receipt of this letter. Yours Sincerely Miss J G Davies a further explanation, basically natwest now say that i have to pay £100 a month for 6 months, the first of which was supposed to be today. Strangely enough....their are funds available and no payment has been taken. I spent of 40 mins on hold to two different departments to try and get it confirmed that they had taken the payment however they told me they hadn't. They were seeing completely different available balances on the account to what i could see online, and it would appear to me that my overdraft balance is that of 342 not 600....yet no payment has been taken. I'm ever so confused and worried and i'm not sure what to do..... Can anybody suggest anything?

Also just to add as i forget to mention this, there has since been what i know to be definate fraudulent activity on my account. I have contacted them via phone, they said they'd send out a fraud letter and form, nothing materialised. I have wrote to them, contacted them around 29 times just relating to the fraud which is still being withdrawn from my account and i am quite simply being ignored. I am having what is now 8 month withdrawn when there's no money there to take. I even asked from them to freeze any additional charges whilst they investigate, to which i was advised they would. Yet suprise suprise they haven't

Hi everybody, i wrote for the SAR, i never received any response. I have been sending them letters almost every month reminding them of their ignorance of non repsonse, can anbody suggest a next step for me?

Thanks very much, i'll get onto this right away! i'll keep you posted.

Hi PGH7447, sorry didn't realise how blinking log that post was thanks so much for replying to me.... i definately haven't got ALL my statements as they stopped sending them to me. i probably sounds really thick now...what exactly is a subject access request?

Anybody have any advice? i'm literally tearing my hair out with all this and dont know which way to go from here now? thanks

Hey everybody, this is my first time posting a thread on these forums, i've read so many postings but would really appreciate anybodies help or advice. I have had so many problems with lloyds tsb to the point where because of their greed i had to open a new bank account with another bank and leave two overdrafts with Lloyds tsb, which both of them were actually not even my fault with the overdraft...going back many years there was a dispute whereby for some unknown reason all statements were stopped and i stopped receiving all post from them, they in total had given may nearly 3,500 pounds of charges for something rediculous like 21p being overdrawn. Anyway i have a copy of my letter to them relating to similar issues first sent beginning of january 2010, since then i have recieved 8 automatic computer generated letters all saying the same thing, i have not had any response what so ever back from Lloyds, all i have received is a letter about suspected fraud, them removing my overdraft facility and also a letter about apparntly being taken to court. Here are the letters i have sent, apologies for the length of this thread. xxxxxxx xxxxx xxxxx Customer Service Recovery Centre General Banking Lloyds TSB 2 Brindleyplace Birmingham B1 2AB. Dear Sir or Madam, Account number: xxxxxx and xxxxxx I am writing to complain about a conversation I had with a member of your collections centre earlier on today. I have sent you previous letters relating to similar issues the most recent of which sent to you on 30/07/2009 to which I have had no response. I have had a number of issues sitting with an adjudicator at the financial ombudsman’s service the most recent of which relating to charges on my accounts. There were agreements that were set up between myself and Lloyds TSB to repay some of the balance on the accounts. The agreements that were in place for repayment plans on my account have been halted by me due to the agreements from your side not actually being correct. It was agreed that a repayment of £20.00 amount on xxxxxxxx account and £17.00 amount on xxxxxxxxx account was to be repaid at the beginning of each month where all charges and interest would be frozen. I then noticed that the freezing of interest and charges had not happened at all, and upon speaking to members of the Lloyds TSB call centre I was told that was never part of the agreement. I could not see any appropriate point in me paying money which was less than a quarter of charges applied to my accounts and advised Lloyds TSB that I would not be paying. From the time the agreements were set up until present I have again incurred an extra £25.31 in overdraft interest and £75.00 of overdraft charges to account xxxxxxxxxxx and £5.81 in overdraft interest and £150.00 of overdraft charges to account xxxxxxxxxx which I do not feel is fair and justifiable. I today contacted a lady called Divya in the Collections centre to discuss my account. After viewing my online banking (please see attached all screen shots) it became apparent that I would only need to make a payment of £6.60 to bring my account up to date (xxxxxxxxxx When contacting Divya she was not prepared to discuss any of my accounts with me until I gave her my contact details which I reluctantly had to pass on. I requested to make this payment and then close this account to which Divya said that there was basically no balance of such an amount to pay and I had to pay a total of £112.20 on this account. When I questioned this figure despite seeing the balance in black and white on my online banking Divya couldn’t answer me and kept re-iterating that if I didn’t make a payment of the £112.20 I would have all the re-imbursement taken from my account. I again tried to make a payment of the £20.00 arrangement fee on my current account xxxxxxxxxxxxx to which she stated she wouldn’t accept and the arrangement fee has gone to £20.00 from £17.00 xxxxxxxxxxx on my other account . As monies had been refunded to the account I had to make a full payment of £484.16. Divya later tried to explain that the extra monies for the two accounts I was told I had to pay were actually to include additional bank charges that would be applied in October. Upon having further discussions with Divya explaining that the financial ombudsman adjudicator had instructed that I continue with my agreement to repay of £20.00 Divya referred to the ombudsman service as a pack of lies. Divya started to become very abrupt with me when all I wanted to do was to make a payment. Divya later terminated the call at 10.25am on 01/09/2009. I have been through so many different complaints with Lloyds TSB and quite frankly I am starting to find your customer services departments to be extremely unhelpful. I have been forced to change my mobile phone number and also my address to try and prevent you making rude and inappropriate contact with me. It has resulted in excess phone calls throughout the day and night to my mothers telephone number and have even had events where my brother’s mobile number has been contacted asking to speak with myself. Upon any occasions in which I have answered the calls the person’s on the other end have been extremely rude, uncooperative, and were not willing to reason with and of my requests. At times I have felt deeply saddened and disappointed with this, and on occasions I have felt extremely intimidated by the manner and tones in which person’s have spoken to me. I can also safely say that my mother too has felt exactly the same. On two occasions I have had individuals without confirming any security questions first actually discuss my account with me. Which again I was not happy about them doing as would be expected. Due to the amount of pressure this has been putting onto me, I have been forced to take time off work due to upset, and this is actually making me ill and affecting my daily life style duties. The inappropriate action’s of Lloyds TSB is not just affecting me but also my mother. I understand that Lloyds TSB are legally allowed to contact any person’s who owe a sum of money a reasonable amount of times. I do not however believe that you are contacting me a reasonable amount of times. I have some days been contacted in excess of 8 times to each phone number. I wish for you to stop contacting me via phone, stop contacting my mother and my brother. I am therefore asking that you only contact me via writing to my mothers’ address (at the top of this letter) where correspondence will be forwarded on to me. I wish to set up a new financial repayment agreement with yourselves, which I have no problems in paying, however I do not see the point in paying an amount of £20.00 per month to have further charges of £75.00+ always applied. I do not feel these requests are unreasonable and look forwards to setting up a repayment plan with you. Date: 21st January 2010 Dear Sir or Madam, Account number: xxxx and xxx I am writing in response to a series of letters in which I have received from your selves as I do not feel a telephone conversation necessary. You state that you have reduced my planned overdraft to £440.00 and request I pay monies into my account to bring the account back to the agreed limit. As well as receiving a letter stating there had been suspected fraudulent activity on my account for a large amount of money which I suspect is a [problem] in which you wish to try and get me to obtain contact with yourselves and I would like to think should anybody experience fraudulent activity then the envelope wouldn’t clearly stated ‘urgent action suspected fraudulent activity’ all over it. Whilst I appreciate that I do owe Lloyds TSB some monies and does need to be paid, I don’t appreciate being knocked back down to earth on any attempt to make payments by having double amount of charges placed onto my account. The agreements that were in place for repayment plans on my account have been halted by me due to the agreements from your side not actually being correct. It was agreed that a repayment of £20.00 amount on xxxxxxxxxxxxxxxxx account and £17.00 amount on xxxxxxxx account was to be repaid at the beginning of each month where all charges and interest would be frozen. I then noticed that the freezing of interest and charges had not happened at all, and upon speaking to members of the Lloyds TSB call centre I was told that was never part of the agreement. I could not see any appropriate point in me paying money which was less than a quarter of charges applied to my accounts and advised Lloyds TSB that I would not be paying. And again as the situation is still similar to that of June 2009 I will not be paying any monies into the account unless a series of requests could be met or an agreement of some form made. I can no longer access my online banking in order for me to assess the levels of my ‘unarranged borrowing’ and I no longer receive paper statements as you have withdrawn this facility away from me. How do you expects persons to improve their accounts when you instantly at the click of a finger simply withdraw overdraft facilities, I find this to be a matter of greed, you as a bank thrive from astronomical fees and charges. My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways. I noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you, I am confronted by the impersonal, overcharging, pre-recorded, faceless entity which your bank has recently become. After several months of (un)amusing banter back and forth, it became apparent that: 1. Lloyds TSB takes money whenever it feels like it 2. No two departments at Lloyds TSB are capable of communicating with each other 3. The people who deal with my letters are impossible to find on the company directors 4. No person at Lloyds TSB seems competent enough to sufficiently and accurately annotate my account However, what I’d really like is to get all this stuff sorted out. Put all the money back, so I can perform other duties like paying my mortgage, car finance etc, then arrange payments to you. The trouble is, it takes Lloyds TSB up to eight weeks to respond. In that time, you would have charged in again and swiped more money. Whatever it is, it means that the never-ending cycle of take, put back, take, put back and take is, well, never-ending. After recently obtaining a copy of my credit file I was concerned to note that Lloyds TSDB have placed a "Default" notice against me. Further to this I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit). 2. You must supply me with a signed true and certified copy of the original default notice 3. Any deed of assignment if the debt was sold on 4. I also request copies of all notes on my accounts which I am well within my right to request 5. I wish for clarification on the matter of the ‘fraudulent’ activity on my account I would request that this data is provided to my self within the next 14 days, if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. Date: 27th March 2010 I am writing in response to your letter dated 24th March 2010, whereby you advised via an automatically computer generated letter that you endeavoured to respond within the next four weeks, I am disgusted to think that my initial letter was sent to you dated 21st January 2010, it is now 27th March 2010 and all I have received are automatic computer generated letters. Please note I attach copies of all initial letters sent to yourself, along with a copy of the letter which I received saying that there was fraudulent activity on my account. I have assessed the situation of the fraudulent activity which you sent me a letter about, by doing research I am concerned that ‘white eagle’ is actually a pre paid maestro card, or that of a pub in Anglesey. I wish for this matter to be thoroughly investigate along with any other transactions in the last year, as since approximately December 2008 I have nothing to do financially with Lloyds TSB. I wish to inform you that I am also sending copies of all letters directly to the Fraud department, in hope that this department may take my requests more seriously. You are now in breach of your duties under Section 78 of the Consumer Credit Act. If you do not answer my original questions and reply within 7 days I will have no choice but to escalate the matter to the relevant authorities including the Banking Ombudsman, Office of Fair Trading and the Information Commissioner's Office. Date: 08th April 2010 I am writing in response to your letter dated 24th March 2010, whereby you advised via an automatically computer generated letter that you endeavoured to respond within the next four weeks, I am disgusted to think that my initial letter was sent to you dated 21st January 2010, it is now 08th April 2010 and all I have received are automatic computer generated letters. I now feel like I am being victimised, it seems for every letter I send to you requesting for help I am ignored or sent an automatic letter, I then receive a letter stating you are withdrawing my overdraft facility and another letter stating that you have commenced legal proceedings with Messrs Sechiari Clark and Mitchell, yet I have not ever received any correspondence of this or received and letters from Lloyds TSB advising of this. I do not see this as fare, I am appalled and deeply saddened that I request for help and you victimise me. Please note I attach copies of all initial letters sent to yourself, along with a copy of the letter which I received saying that there was fraudulent activity on my account. I have assessed the situation of the fraudulent activity which you sent me a letter about, by doing research I am concerned that ‘white eagle’ is actually a pre paid maestro card, or that of a pub in Anglesey. I wish for this matter to be thoroughly investigate along with any other transactions in the last year, as since approximately December 2008 I have nothing to do financially with Lloyds TSB. I also attach the letters dated April 1st 2010, 30th March 2010 and 29th March 2010. I wish to inform you that I am also sending copies of all letters directly to the Fraud department, in hope that this department may take my requests more seriously. You are now in breach of your duties under Section 78 of the Consumer Credit Act. I also believe that you are in breach of FSA regulations, you have failed in most instances to acknowledge receipt of my letters within 5 working days, you have failed to respond to advise of a holding letter within 4 weeks and also you have failed to respond within the 8 week timescales. If you do not answer my original questions and reply within 7 days not only do I have valid grounds to pass this complaint onto FOS, but you will also be subject to an FSA fine of approximately £300 for breach of regulations with regards your dealing with this complaint. You will doubtless be aware that complaints that are forwarded to the FOS can be subject to financial penalties whether the complaint is upheld or not (i.e. case costs are not incurred by the consumer), and also leave a bad mark on the company’s compliance records with the FSA. I am giving you the opportunity to avoid this and save these costs in settlement of my complaint. I am sure your company has the best interests of their customers at heart, which is why I have given Lloyds TSB an opportunity to admit wrongdoings and settle the concerns of a previously very loyal and valuable customer. I can only allow so much, however, and I must reiterate that this is Lloyds TSB’s final chance. If my queries are not resolved within 7 working days (including Saturdays), and unless I am compensated as outlined above, I will have no alternative but to take my complaint to the FOS, who will be more than willing to take my case on. Furthermore, I would like to reiterate my disgust at the disgraceful treatment I have endured during this sorry affair. I wait to hear from you. Sorry again for such a long thread but i'm really stuck now.....