My daughter has just had someone make an online booking for a hotel suite in London for £425 that has been charged to her mastercard, I am very unhappy with their response so far. I went into the bank with my daughter & informed them that She would be working in France from early December until Easter, the bank called their card services as well & advised them whilst we were there. I don't understand therefore why they would accept an online London hotel booking for £425 in January, it's also miles away from her normal spending profile. Went into the branch when I got the confirmation booking in the post as it was obviously fraud & the branch called mastercard who refused to do anything without my daughter ringing them. She is in France with very dubious phone reception & just a payg phone. She managed to call them & they blocked the account & told her She had to call Superbreak who made the booking (not feasible on a payg from France!). I rang them & emailed their accounts, it was an internet booking made on the day of arrival, they said they would flag it as fraud & expect a chargeback. Daughter has called mastercard again & they say She now has to fill in a dispute form which they are sending to her address in England (where I am), I am not impressed & think I may visit the branch in the morning. Suggestions welcomed. Thanks for reading this far!

I've been doing several pieces of research and I'm trying to figure things out. I've been reading several articles on CAG If I give you background of our dealings then perhaps you might help more. We took out a loan with Llloyds TSB in March 2009 for two investment properties with significant capital input from us, which was fine and paid for 12 months, but my partner took out a temporary overdraft at the end of 2009 (not allowed a permanent one at the time) to cover a bill for the one of the two properties (for a necessary large repair) knowing that both properties rental income would pay off the overdraft in-time, unfortunately the Second property was left untenanted and the overdraft wasn't paid back in-time - we were not given an extension but levied huge fees - trying to sort things out was difficult we had a newborn baby and a elder son who is disabled and was having major problems with regular emergency trips to the hospital. What made it worse is my partner's company he worked for went into liquidation and although a new company was set up from the ashes by partners of the group my partner Salary was decreased and as it was a specialized position he had very little negotiation, so we couldn't contribute any income from that to pay off the debt faster. But the Loan amount was £250 per month. We had another property bringing in an income of £400 going into the business account so we thought Lloyds would see that and act accordingly. At the start of our Loan we had a business Manager at our Local branch, which was brilliant, and although he was off with illness we seem assured he would return or someone else would fill that position - but this never happened, so we had to travel 45 minutes to another bank and my partner had to have non-paid time off work. But nevertheless my partner attended a few meetings (as I had higher priorities with our children) and the first meeting was positive from all accounts, he was basically told the computer would say no but the Business Bank Manager would override this and the overdraft would merge into the loan, my partner in his desperate situation though had been looking into getting a quick sale for the property untenanted and using the capital to start his own business and the Business Bank Manager was very encouraging and said pointed out how slow the market was and pushed my partner towards quick sale agents like "Homebuyer" as a good idea - I was very much against the latter, but my partner came home with a the Bank Manager says I should do it therefore it's a good idea IYSWIM otherwise I certainly don't think he would have gone down this route at all. Also, he asked about making his Loan payment via a debit card over the phone in future but my partner seemed to be led with the impression that the overdraft was a breach of his loan and the paying through his account was part of the Loan agreement too, I think because of the overdraft merge it wasn't such a blow that he didn't press it as much as we now see he should have. But nevertheless he got homebuyer involved, the bank were notified of a completion date - the Bank Manager had reassured him that the sale price would pay off the outstanding loan on that Property and the rest we could invest elsewhere. But less than a week before completion, the bank manager rang us up and said that we might need to sell the other property too and that the sale price from the property being sold would have to go towards a payout the whole loan - my partner tells me it felt very much like he was being herded into selling them both off quickly - due to the timing and the wording. I was livid by this point, I was already very furious about the quick sale option as we were set to loose £40,000 so imagine doubling that, but again it seemed as if my partner had been both pressurized and sweet-talked (ie you have to do as you've breached your loan and you can go ahead start a fresh with your own business) but I couldn't see the point as they were going to merge the overdraft, so I told him I would not sign anything and that stopped the sale of the property this was about July 2010. From then on it gets a bit non-existent does our communication with Lloyds - my partner spoke to his Business Manager on the phone a few times and my partner again asked about paying for the loan another way, he basically said "We get £400 rent every month, it more than covers the loan amount, we could pay this into my personal bank account and service the loan through there" and he was basically again told very similar how the overdraft was a breach of the loan, how it needs to into a business account.... It was sickening at the time, as £400 was going into the account and being taken out in charges. We've paid more in charges than we would have for the loan. It was apparent by August 2010 that the overdraft/loan merge was never going to take place, and that was when we were passed over to Wholesale debt recoveries asking for a repayment plan for the loan. I think at the time it was a really difficult period with my son and my partner's work, because we did a terrible thing and we didn't respond to their letter until about 6-weeks after we were sent it and were told they wouldn't accept one as it was too late. I ended up fighting tooth and nail, because my partner had fallen into a deep dark hole of depression with it all and had lost his fight. After lengthy communication - and I agree my personal correspondence could have been quicker - although I did keep begging for a face-to-face meeting. In early 2011 we had a very positive telephone conversation - well it seemed as if we were going to get somewhere at last, she seemed nice and was willing to come to some agreement and discuss our complaints. But, the meeting would have to take place in Bristol (note we live near Scarborough, which is on the East coast in North Yorkshire) or very near to. Again it felt like they were trying to manipulate the situation, we told them we had a son that needed regular emergency medical attention and a very young child, but we decided the trip might be worth it and we were willing to organize something. She gave me a number to ring to decide on a date for this meeting, but I rang about 25 times and only ever spoke to her Secretary. I wasn't sure where to direct a letter too. In the end, I spoke to the Financial Ombudsman and they said I had to make a written complaint to the bank, which I did. By mid-2011 we were having to talk through their solicitors and we received their final letter from the bank on our complaint that it wasn't up-holded, and I contacted the Ombudsman, and we finally sent everything we needed off and still waiting. But, I have read consumeractiongroup.co.uk/forum/content.php?827-Examples-of-unfair-treament (drawing you back to the link above) and I have several points which I think we need to fight. 1. They - Refused to discuss financial difficulties and to suggest positive solutions - they just wanted their Loan returned and that's all they ever tried to manipulate IMO. 2. Levying charges upon charges - I need to add these up but over this small window it goes into £1000s 3. Insisting on payments being made only in some particular form such as by direct debit - and refusing to accept payments made by some other method, for instance Standing order. 4 Customers' interests A firm must pay due regard to the interests of its customers and treat them fairly. 5 Communications with clients A firm must pay due regard to the information needs of its clients, and communicate information to them in a way which is clear, fair and not misleading. 6 Conflicts of interest A firm must manage conflicts of interest fairly, both between itself and its customers and between a customer and another client. I've also read several things that relate to banks having to balance the interests and not working in the banks. So, my question is, do I have a case? And if I do - what do I do next - how do we sue our bank? (Gosh that sounds so scary) ... I was looking into the small claims court - and it seems to be under £100,000 - but my loan is for £125,000 and although I'm not necessary going out to have my loan reimbursed, we'd quite like more than our charges because we don't want to loose thousands in a quick sale.

hi all.just a query and advice... .i missed an insurance montly payment, my fault for getting the wrong date..... .my query is.. .when they applied for the payment from Lloyds this was instantly rejected and was charged £20.00 from lloyds for the missed payment.. .however when i do the same with my other direct debits which i miss .. i get until 3.00 pm in the afternoon to put money into the acount to avoid charges... ...that is all other direct debits... ..so my point.. ..why is it always car insurance direct debits that are instantly refused... ..but not others.. .strange or not

My partner took out an unsecured loan with Lloyds, in Jan 2011. It was for £5000, and over 36 month's, so he's repaying monthly instalments of £174.00, and Interest rate is 15.50 % He recieved a letter/statement today, regarding an update on repayments which is a tad confusing !? We cant understand why, he is being charged different rates each month ? eg. £44.00 then £59.00 then £62 this is debited from his account, in addition to the normal £174 repayment for the loan. We understand he has to pay interest, but this would mean he has paid £650 ?? So all in all, he would be paying £1900 in Interest alone ! is this correct ?? I have read through the small print and it does state that they can vary the Interest/ Charge amounts, and notify you within 30 days. He has not recieved any letters of notification , and on the customer agreement form, the customer advisor has ticked and crossed boxe's, to say he understood info that was explained regarding the loan, repayments etc... He said he didnt do anything except sign the form He cant remember being advised on anything to do with Rates/ Charges ?? So basically, why is he paying different rates/charges each month ??

after digging through my old file boxes i came upon a bank statement from dec 1991 ,i had a secured loan cant remember exactly how much think it was 5k but i also paid £14.40 pm ppi ,what im asking is do you think this is worth a shot or is it too old ,and how can i retrieve the details, ie start date of loan and how much ,or shall i just bluff them and send in the letter/fos form /and stat interest /and account number.and see what they say ??????

Hey members First off happy new year. I am planning to issue a small claims court claim against Lloyd's TSB on behalf of my mother and farther. Here is what has happened so far : I submitted a complaint about PPI mis-selling in March and got a letter late march to advice they will not be uploading my complaint and would be free to take it to the F.O.S which i did. The F.O.S in august 4th returned the file to Lloyd's TSB advising them to make a redress offer within 10 weeks. Lloyd's TSB finally issued a offer letter dated 28th November I made many phone calls each time getting promised the cheque would be here in time for xmas for my parents to use some of the money to get my 13 year old brother xmas gifts 10 days before xmas we were promised it had been sent out, 7 days later still no cheque but got a phone call, Sorry about this it will be issued tomorrow 2nd class mail. I told them i am not at all happy at the service they offered a parenthetic sum of £200 between my parents in addition to the PPI refund as a sorry. I have advised £200 is no were near enough the upset that this caused over the xmas period and extra stress this casued on my farther with the medical conditions he suffers from he does not need additional stress been caused. I have advised Lloyd's TSB I do not with to accepted there £200 and will be submitting a small claims court form if they do not increase there offer to a more realistic figure. Any advise on this ?

Hi everyone, I'm currently having problems with Lloyds TSB. I've been with them for a few years and have never had any problems. I got myself into trouble with payday loans and when the due date arrived i had no funds in my account because i switched to a different bank and got my wages paid into that. I randomly checked my Lloyds TSB account a few weeks back and it's now -£440 because they agreed to provide me with an unplanned overdraft. Which is stupid because they wouldn't even offer me a £50 overdraft because my credit history is poor. I've now received a few letters stating they have agreed the unplanned overdrafts and i called them to explain my current situation and asked if they can do anything to help, so they stopped charging me for the unplanned overdraft and froze charges and provided me with a "Control account" which is free for 6 months. I haven't called them since because i don't know what to do, i get paid weekly so i can easily make small payments on a weekly basis to get back to a positive balance. I've now recently got a letter stating i should pay the negative balance straight into my local branch by 16th January, but i just don't have the money to do that. Also in the letter they say i've breached their agreement and if i don't pay the amount by the due date they will register info on credit agencies and referr to their solicitors and take me to court. I just wondered if anyone had any experience with this and if the bank would be willing to offer some kind of repayment plan? I'm guessing being a loyal customer for a good 5 years isn't good enough for them. Thanks in advance for any help.

Hello, I have been told by letter that lloyds tsb will not refund excessive bank charges as they (the charges) are not unlawful? Has anyboby else had the same reply recently from lloydstsb? What do i do now any ideas? Thanks mumsurfer

Hi, I have a query about the llyods tsb platinum credit card. In september i receieved mail from llyods stating i am guranteed a credit card with a minimum credit limit of £3000. I applied in november and got a response three weeks later stating iv been accepted and my credit limit has been set to £5000. Just a few days i checked my credit card and the limit was reduced to £700, i called llyods and they stated because they received some negative information from experian they reduced my credit limit as they are a responsible lender, i asked if they are allowed to do this and they said yes. The only reason why i took the credit card out was because of the high credit limit i needed to make a few purchases for my house, as far as my credit report is concerned i was late with a payment for two months on my online catalogue and i have now cleared the arrears. The question here is are llyods allowed to reduce the credit limit? iv only had the credit card for three weeks.

Hi I was wondering if someone could give me some advice. So basically it all started when i tried apply for a second current account with lloyds tsb. I already had one current account with them but reuiqred a second one. A couple of days after applying i recieved an email stating my original/1st current account would be closed because they noticed some unusual "account activity" on my account and they had "concerns" and made business decision do close the account and put a block on the account. I remember a few months back i noticed transactions on my account which i did not recognise so i notified tsb and they refunded my money and was told to sign a return a form, which i did. I though this may be in relation to this. I rang them up today and they stated that they noticed adverse information on the acount which violated the tsb user agreement, they didnt elaborate, but i asked if this would affect my credit report and they said no, i then asked if a CIFAS would be placed on my record and they stated no. I was then told to go in branch with id and empty my account. I recived another letter regarding the second current bank account application and obviously they declined it. Then i recived a letter from RBS (whio i have 3 accounts with) that they will be closing my accounts too and natwest (who i had a step account with) who are part of the rbs group will also be closing my account, they did not give me a reason. I figured because i had no funds coming into the accounts and never really used them they decided to shut them, but i never had an official reason from them. Last week i applied for a santander account and a HSBC advance account, and yes they both got declined, without any reason. I checked my credit report and everything is fine, with a score of 889. So i am clueless as to why banks are rejecting my applications? The only working bank account i have is from Ulster bank which is located in northern ireland but i live in the UK, and dont will have no bank account in the UK come another 3/4 weeks when these banks shut my accounts down.

i deposited £300 at my local branch via atm machine but not showing on my account. tried to resolve at branch however they are saying nothing was deposited and that the machine was not working porperly. Boggest problem is I have lost the receipt. i have never had problems like this before. what can i do please help.

Hi, Apologies if this is in the wrong place. I had an overdraft with Lloyds TSB and had a grievance about a bank charge I felt was unjustified. I stopped using the account and complained to them via a phone call. I never heard back from them regarding the issue, and haven't used that account for over a year. Recently my wife (the account was in both our names) has received numerous letters from Credit Security Limited chasing the full amount of the overdraft including the disputed fee. They have not tried to contact me. My wife has also received several phone calls which she has objected to. I have no problem paying back what I owe without the disputed charges. However I am somewhat peeved that they have seemed to target my wife and not sent me any letter or called me. What can I do? Is this normal practice? Do I have any grounds to complain? Thanks JL

I am currently having some issues with Lloyds and i would appreciate any help. Like most others on here i went through the motions with the bank charges etc only to be told no thanks. my bank charges were from 2003 - 2007. Anyway since the fsa court battle late 2007 (i think), i agreed with Lloyds to repay £30 per month towards my overdraft on the current account as it was for over 3.5k and wanted Lloyds out of my life. I had maintained regular payments and never missed one payment, when out of the blue late last year lloyds wanted the payments going to £70 per month. I could not afford this as the wife was pregnant and on maternity and we were paying off other debts aswell (bad business idea) ... i sent in expenditure details to Lloyds etc and afew months later they passed the debt to their debt department in late last year. So then i get westcott call me saying they were acting for Lloyds and i setup the same payment plan with them of £30 and they were happy and have now paid 10 payments and still paying. Having just gone for a mortgage last week, i was informed i have a default on my credit file!. i did a equifax report and Lloyds have put a default on my account. The default has a start date of 5/2010 and a default date of 1/2011. I had NO default notice nor was advised i would get a default. Also i have held the account for over ten years etc. The Default looks to lenders like i opened the account in may 2010 took it overdrawn and then defaulted in jan 2011 ....... I was furious and have been in my local Lloyds branch and been fobbed off, and also spoke to numerous call centres and also supervisors, who all say they are in the right for giving me a default and i should of paid the debt off. Aparently if an account goes to their debt centre then a default is always given? I would really appreciate any help here as im ready to humanly combust! Thanks

Hi, Can someone advise me please, this is going back a long time. Back in 1998 my company went into administration leaving an overdraft of £7,600 with Lloyds. At the time I had been paying overdraft insurance of £83 per month which I assumed covered me for my overdraft if anything went wrong, however when I tried to claim I was told it did not cover me for insolvency and I would have to pay the debt back. It then took me over 10 years to pay this amount and intrest back to the bank and their collection companies. Do I have a claim for mis-sold insurance? as I do not understand what I was paying all that money for? Thanks Ally

I have fended off 3 DCA's over the years by requesting CCA's on an overdraft that was increased (without request). Now one is persisting saying no CCA is needed for an overdraft. I have made an SAR which has been returned without any agreement for a facility despite it being increased. The account was closed, by Lloyds, in 2003 and the debt sold. I had made token gestures of payment over the years , however most of the debt demanded has been increased through interest. Is this unenforceable? In the SAR one DCA states they recommend closing the file and returned my £1 fee for the CCA request. Any pointers welcome

Hello, I have been looking over my mothers accounts because she couldn't understand why her debit card had such a high APR. She insisted that the APR was a fixed rate of about 12% when she took out the card, now it is 32%. She has not signed or agreed to the amended CCA. She does not hold the original CCA. The bank sent out a "reconstituted" CCA that states the credit card rates may change at any time. TSB have stated they will not produce the original CCA and that they will only give a reconstituted agreement. Can she dispute this? Can she reclaim the money that has wrongly been taken from her? How can she force them to produce the original agreement that bears her signature so that we can prove what they have done? Regards, Kaarejen

Hi guys! I need your help. I need an ATM Dispute form, but there is nowhere to download it from (or I can not find it). I left England and I can not visist any branch to take it directly from them. So, if you know any websites with atm dispute forms for LLOYDS TSB, please let me know. Any help will be much appreciated. Best Regards Simon

Hi all I complained to Lloyds recently about a default which was registered aginst me 5 years ago because they failed to change my address. My account went overdrawn due to some transactions even though the account had been frozen then they continued to write to me at my old address, despite me hand delivering 3 change of address forms to the branch! Anyway, got a letter saying it wasnt their fault so I tried again and outlined the facts. Got a call from a friendly guy who took all the info, then wrote to me telling me that the default would be removed and in compensation for the bad service they would be sending me a £100 cheque. Horray! I then got a letter from someone else in the same department saying that they had considered my complaint and still thought they had done nothing wrong! Obviously arse isn't talking to elbow in that department. Thankfully the default has been removed, just waiting for the cheque now!

I received a statement in August from LTSB stating that I was overdue 2 payments and that they were passing it to a debt collection agency. I was not even aware that I had the accou t. I contacted the agency and asked for the CCA and relevant statement. They referred me to LTSB as they said they couldn't help. I heard nothing more from them since. Then I called LTSB directly and requested a copy of the CCA and back statements. After much persuasion from me, they finally agreed to supply these at no charge and said they'd be sent out to me. I have since heard nothing more from them either. Then I got a debt notice from Wescot, along with constant calls to my mobile. I wrote to them requesting a copy of their authorisation from LTSB and included standard telephone stop letter. I also sent them a £1 PO and asked them for a copy of the CCA. They replied and said that they were not the creditor and offered to forward it, but returned the PO and my letter. So where do I go from here? I am thinking that I tell W to go away as they have not proved the relationship between themselves and LTSB and even suggested I contact LTSB directly. Are LTSB now subject to (76a ???) legislation , in that they failed to provide a copy of the CCA when asked - even though this was verbal? All advice gratefull received please!

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In 2007 me and my brother started a business , we each took out a secured loan with Lloyds for £25,000 after two years of trading we were doing well and decided to purchase the land and buildings we were renting, the mortgage went through in aug of 2009 , the problem was it went through without buildings insurance a week later the busness next to us was set on fire by the owner the fire burnt down our buildings as well it took us a year to eventually rebuild. in that year the company had to rent additional property as well as pay the mortgage for our own property once the building was back up Lloyds demanded we get a valuation we purchased the land for £210,000 it was revalued by Lloyds valuer at £300,000 because of the rebuild the company is in financial trouble and has limped along for the last two years and is about to close due to losing our biggest customer , my question is will Loyds come after my house as the original loan was secured against it or will the business property be taken to cover our borrowing our total borrowings from Lloyds is £270,000 the land and property is worth £300,000 would appreciate any advice as i am panicking over losing my home thanks

Going after them for a debt mainly made out of charges but dunno how hard this is gonna be to win as bank charges arent so easy anymore but they broke so many promises and thats why this debt has esculated so i thought id start with a cca and maybe a sar but any advice would be appreciated as i know banks arent easy to fight anymore xxxkia

Bit of and odd one.. My brother(S) realised yesterday his debit card hard stopped working, declined at shops and causing an error in cash points. His girlfriend (F), also at lloyds had her card eaten by a cashpoint and so today they both went to a branch to order new cards. Hers went through fine and she was told to expect a new card in 3-5 Days. When they looked at his account there was a problem, they had to call a number they had never seen before on the screen. After a while the woman came back to ask for F's bank details. Then about 20 minutes later the woman came back and took them both to an office and said they would both be receiving letters this week to inform them that they had failed a risk assessment check and their accounts would be closed. They both have a few returned dd's and late payments to cc's but nothing serious. But then the plot thickens. Fiona's sister had also had a problem with her card yesterday. When she'd gone into a bank they'd told her she had to hand over the card, empty her account and effectively never darken their doorsteps again. She was always in credit, never used her overdraft and always paid in the same amount. Tonight I spoke to lloyds on S's behalf and they said they had no information and S just had to wait for the letter. They also had no idea what the number was that the branch had been asked to call. (she also tried to mislead me about complaints procedure and fob me off that all complaints had to be in writing and if the account was closed it wouldn't be answered anyway- I gave her short shrift). Can a bank just close an account like that? And worse yet lock someone out for without any warning? And why was it only when they looked at S's account did they decide this?? How on earth is the sister connected? Any comments??

Can anybody help me..... I need to get a copy of a letter sent to me by Lloyds TSB when I was a customer of theirs. I do not hold an account with them anymore (I have closed it and am now paying off the overdraft) yet need a copy of a letter they sent me stating that the bank charges incurred were fair. Unfortunately I have mislaid the original in a house move. Any help would be much appreciated!!

Hello, new user here and my problem is not as big as the ones I read here but still would love to get this sorted out as its been 4 months now that this is happening. I used to live in a property where the water and utilities were under my name.. I left that property 4 months back and before doing so I called all utilities (British Gas, Northumbria water, DSL etc) and closed all of my accounts and paid all of my final bills. All of them assured me that everything has been paid for and your accounts are now closed and nothing will be charged anymore. But the problem is that northumbrian water have been taking £7.50 every month for the past 4 months.. I am a student and trying hard to keep everything together and this is not helping. Now I checked my online banking and it seems that I can just remove northumbrian water from my direct debit list.. but I dont want to do this not until I discuss it with you guys as I have heard that if payment is outstanding against you and you remove direct debit you can ruin your credit history.. Is this true? thats why Im not removing DD.. I dont want to ruin my credit history. Also is there any way to get this money back?? If I call northumbrian water, will they be able to refund? Im with Lloyds TSB btw.. Thanks a lot