need a shoulder to cry on

[almikenina]

İ was lucky enough to get my ppi repaid from Lloyds.

The money paid off my loan with a little over.

İ was told on the 14th November it would be in my account in 21 days.

On the 4th december i sent and email via internet banking and said it hadnt

come..they looked in it and said there had been a delay but it would be paid withing the next 10 days.

By this time i was worrying that they may stupidly take a loan payment of 361 pounds from me on the 20th as usual which would then put me 344 pounds over my agreed overdraft and so incur charges.

And so they did. the money still did not arrive and between Xmas and the New Year i rang the loan department to ask about it. they told me that the cheque had arrived..from the insurers..and would be paid into my account on the 4th..i asked why that delay but got no sense.

Now i have been told that for the 10 days i was overdrawn by 344pounds they will take 255 pounds off me in charges.

i phoned them today to protest and said this overdraft was there fault no min..why did they take the loan payment out when it was about to be paid in full.

The girl told me ah well if we hadnt you would have been in arrears and the account would have been sent to the collectors!!..ive been paying this loan for 4 years without a miss. im sooo bloody mad!!!

what should i do?

[tiglet]

I would ask to instigate their complaints procedure about this. however, they well say taht it was your duty to continue making loan payments up until the point you had cleared funds to pay off the laon.

 

Try to prevail on their good nature - if the complaint fails, you can get the FOS involved which will cost Lloyds £400 to investigate.

[almikenina]

hi tiglet.thanks for your reply ..and i will certainly start a complaintys about this..im soo fed up with them.ive paid through the nose to these bu******all my life and if its going to cost them that much they may think again.

ive also got a compliant win with the FOS since last august about other charges..about 1400 over a 5 year period..i wasw just getting straight and now this.

i wonder if the FOS will be able to add this on to my waiting conplaint??

[tiglet]

I doubt it - i'm sure as it's about something different, you would have to start a different complaint but you can always phone them and ask.