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mortuk2k

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About mortuk2k

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  1. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  4. Hi there, We have had a Blackhorse loan for several years now, it has just been left on a DD and paid without fault for 4 or 5 years perhaps. The repayment is around £50 and frankly we have barely noticed it. Anyway, in error we cancelled the Direct Debit when having a tidy up of dormant DD's, and we missed a payment. Despite previous good conduct they came down on us very swiftly, a £25 charge and a default, despite settling the missed payment, and paying the next in advance while DD setup again. Simply put, we're furious. So as the loan is around 1k, we're going to get rid a
  5. Terrible news, kicking myself as right now I feel as though I've 'missed the boat'. My LBA expires tomorrow but today received a letter that my complaint is on hold until 3rd September, and it's obvious why. WIth that response I can only wait. I simply cannot bring myself to believe that the banks have voluntarily allowed this to occur unless it somehow favours them. Deals have been done and in time we'll find out the nature of them deals, but I think the party is over.
  6. Actually. Just seen the news regards OFT test case. Pretty obvious now why I'll have to wait. That'll teach me to drag my feet!
  7. ok. I'll reply saying that's unacceptable and press on. Thanks.
  8. Hi I have received a letter today from Andover precisely 1 day before the 14 day LBA was set to expire stating: Slightly demoralised as that is some considerable time, is there anything I can do to expedite the process? Thanks in advance
  9. isnt that what he said? This is getting over complicated. The leaflet says: Seems pretty simple, You send LBA and either wait for response which is usually their final response, or carry on chasing for that final response. But if it doesn;t come you can continue with complaint after 8 weeks. Personally I won't be sitting back and waiting 8 weeks. My LBA says 14 days, once that has elapsed with no response I'll be pushing pretty hard for some response so I can continue with my claim. Certainly when companies have chased me for money 8 weeks of doing nothing was unhea
  10. They certainly used to be! In 1995 we knew our Account manager by her first name. We could ring her DIRECT, and she could help, and did. The banks mustve all woke up and realised they have all the power, and we're all mugs
  11. Thanks for the info. In all honesty I'm really not that bothered about interest. I'd prefer to just get back my money and put the whole sorry affair behind me. During our darkest years financially Lloyds were our nemesis rather than being anything like the financial service they claim to be. So getting our money back from then would be compensation enough. My only wish is for a bank that is human and decent in the way it conducts business that we could move to
  12. Hi, This makes very interesting reading. I originally started looking into claiming sometime ago, but we can rarely afford the court charges. We've just started the procedure again and LBA is in my hand to go today, we have money to go court route this time (claim is £3k+) but it's going to hurt us. How do I go about making a claim through the FO instead? Any links to info gratefuly received. And good luck with your case.
  13. Response recieved today. Standard reply, referring us to Banking Ombudsman and confirming that there is nothing to add and it is the banks final response.
  14. Well, we've had to take a long break from this business thanks to a messy house move, but we're now settled again and started the process going again with an LBA sent on the 27th July. From now on I shall update on progress, right to the bitter end. Edit: Correction to LBA date
  15. ooh handy, can you rername it 'mortuk versus lloyds' too?
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