dotty and BLS/Lloyds TSB

[Dotty111]

Hope it is ok to post on here. I have posted quite a few times on the Lloyds thread but haven't got any replies and I am getting really fed up now with BLS/Lloyds.

 

To keep it short I took out a loan for £9,000 with Lloyds TSB in 2004 over 4 years. I had problems with my Lloyds account ie they were taking D/D payments out twice (their error they eventually admitted but are still refusing to pay back the charges which occured as a result)anyway I eventualy changed my account but TSB refused to accept a DD from my new bank account for my monthly loan repayments. Still are. I queried the amount still outstanding on the loan as after making payment of £300 pm for over 3 years over £5,000 is still o/s. I sent a CCA request and a S.A.R to Lloyds and they are now about 3 mths in default of both. Account was passed on to BLS collections who have coninued to send letters/telephone me. I have sent them every letter I can think of. My cheque was cashed for the CCA and S.A.R but they are adament that I have never contacted them. Their letters are the usual churned out standard letters but no matter what I send them they keep churning them out this week I have received 3 so far.

 

I am now at a loss as to what to do next. If any of you guys have had dealings with these idiots and could offer me some advice I would be very grateful.

 

thanks x

[citizenB]

Do you still have an account set up with Lloyds TSB for the loan and are they taking the DD payments from that account to service the loan which is increasing an overdraft ?.

 

They can not refuse to cancel the Direct Debit Mandate, it is part of the DD Guarantee. I would be inclined to make a complaint to the Financial Ombudsman regarding this .

[slick132]

Hi Dotty,

 

I've replied on your Lloyds TSB thread.

[Dotty111]

Hi Citizen B

 

I did have an account and I ended up having to transfer money each month from my new bank to this old tsb account to make the payments. I was also getting my child benefit and tax credits paid into this tsb account which covered over half the loan payments it was a pain but the only way that I could do it however around dec/jan child benefit contacted me to say that Lloyds were refusing to accept my payments and when I checked my new bank account Lloyds had sent back that months loan payment and had simply closed the account without any warning. Now I have no way of paying it and they are chasing me. I am going to do a S.A.R on my old account to see what that brings up as I am guessing that there will be a whole load of charges. They have even blocked access to this account via internet banking so I can't print off old statements. The FOS is a good idea thanks for that.

[slick132]

Hi Dotty,

 

You should have been given 30 days clear notice of the banks intention to close the a/c.

 

If they did this without notice, a complaint to the FOS would certainly be worthwhile.

[Dotty111]

will fire one off when i have gone through all of my paperwork tonight just to check but I know that they gave me no notice at all before closing the account.

 

thanks for that.