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hackedoffwithllyods

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About hackedoffwithllyods

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  1. hi list My wife has lost her job, she was self employed. After running out of cash she missed several payments to Halifax credit services. I found out about payment plans etc. My wife phone up the Halifax, made a request to freeze the interest, she stated that she did not have an income. I spoke to Halifax, and offered them £10 per month until such time that our joint finances improved, currently I am the only bread winner and I am making all mortgage payments, buying food etc. After two months of paying £10 per month, we have received a letter stating
  2. Phone Lloyd’s from Brussels on the 23/4 requested a callback from my relationship manager, no response. Phone Lloyd’s on from Brussels on the 25/4 requested a callback from my relationship manager, no response. Phoned Lloyd on midday on 26/4, after what seems to be ages (about 5 minutes) finally get through, asked them, I they had not called back, they quote a 3 hour callback response time. They do not seem to have an answer. Find out that my PPI claim has finally been paid back some 4 weeks AFTER it should have been paid over. Ask for a respons
  3. Just checked my balance, no PPI refund yet, which means Lloyds have taken longer than the magic 28 days to refund! Having been a 'victim' of bank charges, I am wondering what to do next? Do I behave like a bank and send a pretype letter and demand some money for doing nothing or do I behave like most reasonable people and give them some extra time to pay up?
  4. I wrote the commercial banking section yet another letter, suggesting their actions might have been in haste, issued in error etc. I also quote Lord Justice Underhils remarks. I suspect its been ignored. I also wrote the complains section. I have received a phone call to say that any action is off, I have asked then to confirm this in writing Bottom line the commercial bank section appears to be populated by some of the worst elements in banking i.e. bullies, narrow mind types that do not return phone calls in general the type of person that you would prefer to avoid in an
  5. They have agreed to the ppi cliam, according to the latest information they should be paying up by next week. I am hoping that lloyds are not going to say 'it takes four days to transfer cash from one account to another' The problem is not they they are not going to pay, but the amount of time that they are taking to pay and the results of that delay.
  6. Hi, I seem to be having some real issues with Lloyd’s. I used to working in England through a limited company, two years ago, the job market ran dry, I managed to find a software contract in Brussels. I get back to England every 2-3 weeks. I have been using the wages from that job to settle a large tax debt and an outstanding company overdraft. I managed to get the tax debt paid off. I then started on the company overdraft. I managed to pick in Brussels about the rumours off pip misspelling. I knew I had a ppi policy on the overdraft. I requested a copy of the policy
  7. The text off Lloyds off is "As out final response we would like to offer you a refund of all the PPI premiums paid (inclusive of interest), plus simple interest at 8%. Should you accept out offer, the payment will also take into account any other factors there are relevant to your circumstances" etc. They want me to sign something to effect that this is a final offer, i.e. in later years it can not be question etc. I would prefer to see a spread sheet of some other way of known has this figure has been calculated. I am also question their interest rate. The wish to offer a simple
  8. It slipped out in one off my many conversations with Lloyds that they are using some type of document scanning system to send one document from one department to another which is one of the reasons that its taking so long to settle ppi cliams even after they have offered a settlement. Is it just me or when somebody says that the will offer you a settlement you expect it to be paid by exchange of letters or do bank live in a different world when it comes to refunding things.
  9. I just interested in where the 8% interest limit comes from, in my case the have offered my a repayment off my PPI + 8%.interest They have not detailed how the figure has been calculated, they have offered about 4000GBP My PPI was on an overdraft product, it has been going for more than 6 years Its my understanding that Lloyds would charge interest of 24% if I wanted to borrow 3000 over 6 years. If I go over an agreed overdraft limit they want to charge me 15 per day, by talking out this PPI product Lloyds have had in effect a free overdraft from myself. Q. Do I have to a
  10. I just interested in where the 8% interest limit comes from, in my case the have offered my a repayment off my PPI + 8%.interest They have not detailed how the figure has been calculated, they have offered about 4000GBP My PPI was on an overdraft product, it has been going for more than 6 years. It my understanding that Lloyds would charge interest of 24% if I wanted to borrow 3000 over 6 years. If I go over an agreed overdraft limit they want to charge me 15 per day, by talking out this PPI product they have had in effect a free overdraft from myself. Q. Do I have to accept
  11. Tried talking to variours bits of Lloyds results. Everybody at Lloyds knowns about their ability to take money out of an account. I have then asked about the Lending code, and have received some very intresting anwers. Mainily along the lines, whats what, it does not apply. I have then pointed out that it does, it was plastered all over your all web site. Current status, its with their complains secation. I have tried talking to a 'manager at collections', my first question was to ask them what they did and to try to define their role. They seem to be very suprised as such a quest
  12. Has anybody through of writing a letter about this ad to the advertising complains body? The most be enough evidence on these pages alone to prove that this advert is Misleading. Wrong in places
  13. I seem to be having an ongoing dispute with Lloyds. I am self employied, use to working in England, now work in Brussels. Forgot to make a payment of my credit card before I went to Brussels(8 weeks ago) Paid normal amount on credit card last month. Ensured there was enough money in my account to payment mortage on 30/7/2010. Discover on 2/8/2010 that Lloyds have extracted 92 pounds from my current account. They have bounced my mortage standing order to C&G(another part of Lloyds) Spent about 2 hours yesterday on mobile phone trying to find out which bit off Lloyds to
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