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  1. Hi All From recent activity and instilled confidence boost - going through all my SAR's and have literally hundreds ££ of charges to be reclaimed. SO - Initially Thinking of reclaiming unfair charges for a Lloyds CURRENT a/c running through Sep 2001 till 2007. The current account is now closed and has been sold to DCA. Just wanted to confirm ( as not many recent threads on this subject ) is the best route to take ( as over six years old claim ) is : - 1 ) Court Action ( MCOL Claim ) ? including Pre-Action protocol. Just read from from an old post c.2013
  2. Good afternoon all I have taken a very vital case against Lloyds and this time it will be us (consumers) who are in a stronger position than the Bank. I have taken them to court and despite the fact that they have tried everything to drop the case; the Judge has given us a date. They are throwing money at me to stop the case "as a gesture of goodwill" I am a very specialised Financial analyst and I believe that I caught them in a fine line which will potentially cost them millions of pounds hence wise they are trying to close all the back doors for others to follow me and changed t
  3. Does anyone know of a website that I can use to refund my money from a dormant back account as I had an old TSB bank account now Lloyds which has a small amount of money which has since been closed (tried mylostaccount.org before). I've already been in my local Lloyds branch today and they advised to me to reclaim the money. Thanks
  4. One of the Data Subject Access Team’s CSAs, has recently advised one of our Caggers that LBG customers can now submit SARs online. This is done via an Online DSAR Form. https://apply.lloydsbank.co.uk/personal/a/gforms?formId=F010&prodTy pe=GN PROs You do not have to pay the £10 statutory fee, it’s free! He has used this new service twice and says that it is much quicker in comparison to the conventional route of submission (i.e. recorded delivery directly to the DSAR Team or via your local branch in person). CONs Once you complete the Online DSAR Form, it moves to
  5. Can I ask some one please let me know if it is too late to claim any bank charges (O/D and other late payments etc). Many thanks
  6. I've read many inspiring stories on this sub-forum of people choosing to resolve their debt problems, and more inspiringly I've come across the unwavering support that other members offer to virtual strangers in their pursuits - so I've decided I wanted to share my problems, in a bid to help others. My problem concerns the issue of being chased for a debt that you simply do not owe i.e. a debt that arose because you were victim of fraud. For almost a decade I was harassed by a Bank and various Debt Collection Agencies (to the point I had a nervous breakdown) for a ~£3,800 debt that a
  7. Hi Despite notifying Lloyds that I was experiencing financial hardship they keep applying charges upon charges. Two months ago they charged o/d interest from the previous month which resulted in my account being 38pence o/d. Now its £174.00 o/d solely from charges and interest from the 38p. At the time I contacted Lloyds to explain that I wouldn't be able to credit the account until payday almost 3 weeks later and by then i would have accrued more charges so please could the 38pence be voided leaving my balance at nil but they replied that due to a previous good will gesture/cha
  8. I opened a Club Lloyds account prior to Xmas, primarily for the benefits it advertised. Under doctor’s orders, I am currently abroad to reduce my stress levels. I have a large sum of money in my account, and have been trying to use the time to move this to other accounts I have that it will earn interest on. Each time I try to make a transaction, either using online banking or via debit card, to other accounts in my name which are already set up with my online banking, Lloyds block them and make me call their Fraud Team. I am making the calls from abroad,
  9. I think this is bit like closing the stable door after the horse has bolted but hey ho! in brief, credit card I haven't paid anything on since beginning of this year. SCM/Lloyds took me to court in August, I didn't defend so Judgement for Claimant ordering a monthly payment that I can't afford so haven't been paying. Meanwhile SAR sent to Lloyds in September, info due next week. This hasn't been acknowledged by Lloyds, and track and trace can't give me delivery details but I do know it has been received. Letter from SCM now observing I'm not making regular payments and therefore ins
  10. It's bothered me for some time that I pay for a packaged account with Lloyds. I've had more than my fair share of financial problems and one of the few plus points on my credit score is that I've had my bank account for a long time. I was investigating "free" accounts and came across a number of sites claiming that packaged accounts may have been mis-sold, hence my visit here. I originally signed up to a Gold account in the late 90s because I had asked for an overdraft increase (£2,000) and was told this was the way to get it. I hadn't realised the full "benefits" o
  11. Hello, I just hope i can find some help here, I live in the USA, On 25th of september I wired 4500USD from my BANK fInancial center credit union to Lloyd Bank UK, After one month plus. As i came in from travel.. I found out that there was a mistake in the Account name . (wrong Account name ) which i had to run back to my Bank for the correction. after 1week my bank told me that the money has been credited to the Account number that has wrong name, Now i keep wondering how come a Llyod bank will credit an Account with wrong data.. its u
  12. There are so many threads on here that I don't know where to start. I'm looking for the details of a mortgage I was sold in 1994/5 by Lloyds as a 25yr fixed term mortgage. I was charged a redemption fee of £4,000 to end the contract. I was banking with Lloyds since I left school in 1985 and this account may have been the same one that I paid the mortgage with, however at some point it did change to Lloyds TSB. Does anyone know what's the best steps for me to take to get the information I need. Kind regards Italia68
  13. Back when I was younger and stupid, I got myself into a world of financial trouble which all stemmed with this rotten lot. I ended up being charged £90 for being O/D by a couple of quid, struggled to pay this back and kept going O/D because they were authorising payments to allow me to do so. I had to, needed fuel etc to get to work. This spiralled to the point that charges totalled £1,500 but they kept increasing my O/D limit to cover it every time, they must have done this about 8 times and whacked interest on top. There were times I was being charge
  14. When my Business relationship manager informed me that the management structure would change from "personal" to a call centre somewhere in the Midlands or Edinburgh (we operate in Devon), he said not to worry as queries would be handled by a specialized team that would deal with any enquires / needs as they arose and probably more efficiently. I used this service yesterday. After some 25 minutes of listening to ("all our operators are busy etc"."your call is important etc." etc.etc.) and the incessant layers of security (Because they and the next layer of operators haven't a clue who you
  15. Morning all, I have had ongoing problems with Lloyds since last year since they decided to split things, I was told I would no longer be under one manager who I had direct contact with through the North Midlands Agriculture ofice as this would be closing and I would have to deal with the call centre managers, for the last year I have had no sense out of them when contacting them and not even a letter of acknowledgement when writing to them never mind a reply, anyway to the crux of the matter, things have been tight on the business last couple of months and I have gone over the overdraft
  16. Quick One Story; £2500 worth of Bank Charges taken between 2007 and 2011. Want to reclaim based upon financial hardship. Was with Lloyds TSB. Left before the split. Been told account was moved to TSB, but Lloyds banking group as an entity imposed the charges. Who is responsible for a refund now?
  17. Hi Guys Between 2007 and 2012 I was a Lloyds TSB customer, I earned less that £14000 a year during that period and was getting hefty bank charges. These would swallow up nearly a third of my salary every month. It almost totalled to £2500... How would i reclaim this?
  18. Following an endowment maturity I tried to make a large overpayment to my C&G mortgage this week. I'm in the position where the mortgage is in base rate plus and non-fixed so figured a payment of £25,000 would take me close to almost completing my mortgage - certainly on taget to sort it over the next 2 years. I call C&G get given the bank account and sort code to pay into, go onto my online banking and get a can't pay using this method. Call C&G again get told I can go into branch and make the payment using my debit card... so off I go. Branch say I can't make that amoun
  19. Hi. I would like some help please. My daughter has had seen payment taken from her account by companies who she has never had dealings with. She complained to the bank and they told her that 1: All Direct debits would be cancelled. 2: She would be refunded the money for fraudulent use. 3: Any charges would be waived for matters arising from this. Unsurprisingly they lied. We believe that somebody hacked/stole details and put them on a loan companies search website. My daughter does not use loans as she has me as her loan facility if needed. The bank subsequent to this dest
  20. ive been out of work for 5 months living on my over draft of £1500 i always had this under control when i was working and was hardly in it, now the bank keeps putting £31 a month interest on top which has now put me in a unplanned over draft of £132.00 totalling my overdraft now to £1632.00 I had lloyds tsb send me a letter saying i must settle £132.00 by this day and if i dont they will pass it on to solictiors etc. i phoned them saying i can make a payment of £5.00 per month until i get back into work but they said no. their solicitors want me to pay the full
  21. PENSION DISPUTE WITH CLERICAL MEDICAL (PART OF THE LLOYDS TSB GROUP) AND THE HANDLING OF THE COMPLAINT BY THE FOS AND FCA In 1993 I transferred my final salary scheme fund to a pension fund with Clerical Medical (CM), a Lloyds affiliate, under a Section 32 Buyout Plan. I had been provided with a ‘Product Guide’ by CM with a BSI kitemark on the cover which stated- ‘CLARITY APPROVED BY PLAIN ENGLISH CAMPAIGN’. The relevant clause in the ‘Product Guide’ stated:- ‘If the transfer payment comes from a scheme which was contracted out of the State Earnings Related Pension Scheme (
  22. Hi, I'm planning to start a Lloyds PPI claim and I would be grateful for any help on process. I had a personal load from 1998 I think and finally paid off in 2004/2005 through full and final settlement, plus two credit card with them which I finally paid off (the last in March 2011) throught DCA. I have the account no for the loan and the credit card nos. If it's possible I would like to claim back any money since they put me through a lot plus have to wait six years to clean my credit my file. My quetions are:- 1) Can I claim back the PPIs for 3 accounts? 2) Do I send a SAR fo
  23. Hi, I'd really appreciate some guidance on the following: I've requested an SAR from Lloyds TSB a couple of weeks ago and yesterday, I received a letter from LTSB requesting a signature and completion of a Data Subject Access Request Form (4 pages of pointless questions as far as I can see). Tackling the form first, can I politely tell them to stick their form as I have already given them ample information in my original SAR letter with the £10 postal order and remind them that the clock is still ticking? Regarding the signature, I can go one of three ways: Continue as
  24. hi there need advice please ... ..received a letter about a week ago from a debt collection company asking me to contact them regarding some information they needed, please note that's all that was mentioned on the letter and did not state what the debt was about, I called this company and was told I had a £4000 debt that was used with the Lloyds tsb back in (almost fell over when they said the year) 1997! I told them I knew nothing what so ever about this and that I had never even had a Lloyds account, to which I was told they did not believe me! I told
  25. Hi sorry is its the wrong place to paste this thread in but I donno whereelse to ask. today i got this mail saying I have overdrawn £41.30 because lloyds had to take out £45 as CHG UNPLANNED O/D FEES. but what is this CHG UNPLANNED O/D FEES? i previously had overdrawn £35 because I had to buy something off ebay. I paid the bank back within couple of days and now this???? can somebody explain this CHG UNPLANNED O/D FEES to me please? is it going to be an annual thing where they take my money out every month or so?? (if so then i have no reason to live.....).
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