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StJane

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StJane last won the day on May 19 2018

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About StJane

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  1. There is no difference between the terms "planned" and "arranged" overdraft, different banks just had a preference for one word over the other. Lloyds always used to use the term "planned" though I believe this has now been standardised and all banks use the term "arranged". The Payment Services Regulations offer some insight into the meaning of business/working day: "any day on which the relevant payment service provider is open for business as required for the execution of a payment transaction". Surely bank holidays do not need a special explanation?
  2. You do have a telephone banking security number, you just don't remember it. You used to be able to bypass the automated menu. Instead of entering your sort code and account number keep pressing 0 or # and you should get through to a human. Not sure if this is still possible though. However, your complaint has already been raised and the email you received clearly explained their position in that their response might be delayed. Your issue doesn't sound urgent so why not wait for their complaints team to get back you?
  3. There is an estate (it just a term that refers to all the money and assets owned by the person). But if it's insolvent then there's no funds to pay the debts so creditors don't have a choice. It's a wasted effort opening a separate account as you can't just choose what forms part of the estate. Debts also have to be repaid in priority order - secured creditors first, funeral expenses next and unsecured debts like credit cards are toward the bottom. Most pensions allow inheritance so can be left to a beneficiary without becoming part of the estate. The joint account will move to sole ownership.
  4. Sorry for your loss. Your joint account will be changed to sole ownership. The credit card will have to be paid from your husband's estate. Whether his pension forms part of his estate depends on the arrangement. I'd recommend that you seek independent advice on this one. If you don't get this right you in the future you might have an inheritance tax liability, have a creditor try and make a claim on the estate
  5. It's possible that the branch could've accidentally changed this. Though this seems unlikely as it's not possible for them to change your title at the same time as changing your address (2 completely different systems are used to do each). When applying for the CCs and OD she may have had to input her details. Perhaps for one of the the applications it defaulted to Mr and she forgot to change it. Perhaps she scrolled the mouse and accidentally changed the title from Mrs to Mr. Either way, easily fixed in branch. The title on the credit search won't have any consequence or impact. No monthly reporting will have occurred yet, so once the title is amended this will report exactly as expected.
  6. What's the sort code of the account? That will indicate which bank it concerns. Do you have any paperwork relating to the accounts? When did you last use the account or lose access to it? Could the branch staff see any information relating to the account? For most accounts they should have electronic records going back to around 2001 so there may be some information available, depending on when closed.
  7. There was a problem with the Faster Payments Service on Sunday affecting all banks. Was resolved that same evening though. The legal deadline for your transfer should be close of business today. Did the funds leave your account (if not you may need to re-attempt the transfer)?
  8. Card transactions are not processed in realtime. You said that after the Western Union payment you were expecting to be left with £70. It sounds as though you've spent more than £70 (before the £450 was processed) and that mistake is on you. You may be able to make a complaint to the bank about being mis-advised about the impacts of a repayment arrangement on your credit report. You wouldn't be able to escalate anything to the FOS until you've complained to the bank and given them the opportunity to investigate.
  9. To me it sounds as though data before August 2001 is not stored in a "relevant filing system" (a definition from the DPA) and therefore is not easily searchable. As such they require more context and information in order to locate such data. One of the letters suggests that the business was a partnership. Does the other partner have any records? Or information that would help Lloyds with tracing? Also, it looks as though you sent the SAR to their Andover address. You may wish to try the equivalent team within their Commercial Banking arm: Commercial Banking DSAR Team Lloyds Banking Group 1st Floor East Tower House Charterhall Drive Chester CH88 3AN
  10. Maybe somebody here is able to make sense of them if you share the details? What interview notes?
  11. Nope. For me it's not about consumers vs the banks so I'm not on anyone's side. I just offer help to posters using my knowledge Excuse me? Bazooka Boo was the one making sarcastic remarks. I gave some suggestions to the OP. However I can't see any contributions from you...
  12. And yet in post #11 you did explain, so not sure what the point of your comment is. I guess you're just being stubborn.
  13. *sigh* All you had to do was explain your reasoning. I only questioned your comment as it seemed contradictory and could be misunderstood by others.
  14. I don't find this interesting or surprising. Banks often pay redress when settling complaints so some fraudsters and consumers have figured out they can abuse this with fictitious or exaggerated complaints. 9 complaints in total. But were some of them made within a short time span?
  15. This doesn't make sense. If you think they couldn't care less why are even suggesting the OP writes to them? By your logic that would be a complete waste of the OP's time.
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