Hi Tom, Have you looked into making any 'complaints', sorry can't Pm you as I dont yet have 30 posts. Roughly where abouts in the UK are you, be interesting to know if the mis-selling was regional.

Can you believe I went just £8 overdrawn whilst I was on holiday, all 10 direct debits came out within a few days of each other - with my book keeper having paid our VAT return twice ... donkey. Yes just read this thread: http://www.moneysavingexpert.com/reclaim/bank-charges and this: http://www.moneysavingexpert.com/news/banking/2014/09/is-bank-charges-reclaiming-back-martin-lewis-thinks-it-could-be OK so let see what happens at the courts.

I was hoping the evidence I had, would be enough without the SAR, which I am still waiting to arrive. I think if Lloyds bank had more voices saying the same thing then maybe we might jointly have a stronger case, especially with the ombudsman, as the rejection letter is saying ... despite all the evidence of the payments, its my voice against there's. I'm confident there many are others - this mis-selling was rife at the time, and it was wrong. If I write another post asking for victims of other mis-selling to contact me, will you merge that thread ? Is there anyway I can contact the fellow poster on this thread, as I have less than 30 posts and cant PM. Thanks

Hi, I am making a mis-selling of health cover and insurances complaint regarding Lloyds Bank and a commercial overdraft. Back in the late 1990's my local Lloyds bank business branch was aggressive, and coerced me into signing up for several insurances in order for my business to be offered a raised over draft limit, another post here explains: ... put www. before link: consumeractiongroup.co.uk/forum/showthread.php?436828-Health-and-Medical-Insurances-mis-sold-with-PPI&p=4660581#post4660581 Has anyone else experienced such mis-selling, I would like to share experiences to help with my - and possibly your complaint.

Hi, My bank once charged me £300 for 10 overdrawn items (£30 each), but this was over 6 years ago, in fact could be 10 or more. Can I still reclaim these if I can prove through our accounts packages reconciled internal bank statements (ie not official bank statements, but mirror them) the amounts debited from our account ? I have my Inland Revenue Returns that can back some of the figures on these internal statements. And if I can claim, where do I start the process. Thanks

Lloyds Bank has rejected my complaints, despite now admitting to more information about the policies than I could even dig up, including several long phone conversations with the bank - so they know quote a lot about what the policies were, but state the dates are too historical and they have 'no paper work relating to the insurance', they then write some script regarding statutes: DPA 1998 and FOIA 2000 - and write 'As a result, in the absence of any information, I can not uphold your complaint'. They also go on to explain that policy details were disclosed to me at inception, and details on how to cancel the policies, and again as they have no information write 'as we have no information, but I have determined you were eligable for the cover and the direct debit continued to be paid, I have no reason to suggest you didn't want the insurance'. Yes but the insurances were required for me to be offered a larger overdraft, or even keep my existing over draft ! hence I was coerced into taking them out, and not cancelling them. I am waiting for a SAR to be done Am I stumped - apart from the Ombudsman ?? I must admit I wasn't very polite to the Lloyds investigator when she called, after spending so much time collating my evidence. I can't be the only business in NW London where these managers used this pressure selling, can you illuminate me with any details of your successful claims, would be very helpful, and was it with Lloyds bank ?

Hi, Back in 1996 I was mis sold 4x insurance policies by Lloyds bank. London & Edinburgh - Commercial Overdraft Repayment insurance LTSB General Insurance - Health Cover 5 Star Ambassador Insurance Co - Private Medical Insurance Royal Sun Alliance - Hospital Income Plan Consolidated M&G - Accident Protection Plan All policies were sold by Lloyds. If anyone has any additional information on these policies it would be appreciated. At the time I run a small business with two employees with my father as a partner. After ten years of trading and being with Lloyds I simply applied for a bank overdraft facility extension (£5k-£10k, but ended up being made to sign up for 4x policies - these were made a condition of the overdraft being granted, with pressure selling present by two Lloyds bank manager who came to our office 'for a chat'. I protested - and asked if there was anyway the overdraft could be put in place without the Policies, but the answer was a emphatic 'no'. All policies started and were cancelled within 3 months of each other. After the policies having ran for 5 years, and when the managers had moved on - I asked a back off staff member if I could cancel - to which the reply was 'of course', a further discussion revealed that the policies were never actually 'required' for an overdraft. A few months later I moved my account to another bank, who put in place a £10k overdraft, and never once asked for one insurance policy ! Both my father and I remember having a bad taste in both our mouths after they left ! But we trusted Lloyds bank, and buried our cynicism. Only when the PPI saga emerged did I realise we had been mis sold, and we had in fact been milked by our bank for as much as they could get, not a very good way to build trust as a customer ! I am now in the process of dealing with Lloyds bank, but it is proving difficult as I have no bank statements or original contracts, I do how ever have my Sage Accounts nominal records and original Inland Revenue Tax Returns (along with my Year End Accounts) - which verify the ledger year end figures on the nominals. The nominals show all the payments made, and the IR Returns verify theese amounts paid. I also have a prinout from Royal Sun Alliance confirming 3 of the 5 years 'Hospital Income Plan'. On another forum a few posters feel my 'complaint' of mis selling is invalid. My father and I both remember the long winded and rambling meeting, and us looking at each other when they had gone sensing something wasn't right, clutching a bunch of papers that insured everything including my right toe nail. We felt we'd been mugged off to be honest. The policies were wholly unnecessary and not what we asked for, we simply wanted an extension to our overdraft.

Could I have as copy please, I have tried PMing but dont have enough posts, sorry.

Thank you for your replies, once i have probate I can apply to all parties to see if insurance covered anything.

Thank you for your reply slick. My father might want me to take care of matters, that seems a simple matter upon application for probate. We will want to conclude matters, as interest is gathering on the mortgage on her house, so if we want to buy it we will need to stop that ASAP. One big store card has verbally agreed to us spreading the debt over a period, what that is we have yet to negotiate. You say creditors are unlikey to delay after probate to chase their debt, I assume its us to inform them that probate has been actioned ? I assume they would give us a month or so beyond probate being issued ?

Hi, My sister has just sadly passed away. She had a new car on finance that she surrendered back 6 months before her death. I am dealing with Probate matters and have come across a letter from the finance company asking for a £4.5k settlement figure, this letter is dated quite a few months ago. The vehicle had many problems during its life, and was taken back by the manufacturer many times, I believe it was sorted in the end though. I assume this debt will be chased for up to six years ?? I find it curious why we have received no further correspondence from the finance company for many months - could anyone put any light on this matter. We are reluctanct to contact them in case they get heavy, as we are dealing with other financial matters relating to her Estate, saying that their is a positive balance on the estate. We are trying to avoid selling the house though. Would the finance company, if they sparked into life accept a payment plan - of payments spread over a period of time. And should we remain quiet until they contact us ? Thanks

Hi, Sadly my sister has just passed away. She had a new car on finance which was surrendered back to the owners 6 months before her death. I'm dealing with probate matters and have come across the V5 Registration document with section 10 of the form 'new keepers details' still intact on the form, I'd like to know if the finance company have been able to re-register the vehicle without my sisters signature. I assume a V5 is not then proof of ownership ?? what official document covers that, is that your purchase receipt, which my sister would never have had as the car was on finance. Thanks

Hi, My sister has just passed away and left a house with a mortgage on it, she has also left a lot of debt. Although without leaving a Will, the Estate will go to my Mum and Dad. My mum would like us to keep her house as it has lots of memories in it for us as family. although we will let it out. Could someone explain how I or my mother would take on my sisters mortgage, I understand a mortgage is on the property, not the person - but not sure how that now applies with my sister now sadly gone. We are hoping to negotiate with the creditors to spread her debts over a period of repayments. The property is valued at £210k, with a £150 mortgage on it, she owes £18k to the mortgage company who also provided bank and credit card facilities (of the £18k, £8000 is overdue mortgage payments- which my mum could pay off straight away from savings). Do I or my mum have to apply for a new mortgage ? dont think I would qualify on affordability grounds (I am self employed), I have considered a Buy to Let mortgage - but hope the existing mortgage could could remain in place and our family just make payments. My father owns his house (worth around £350k), although my mum and dad are both 83 and retired. Hope someone can help.