Jump to content

  • Tweets

  • Posts

    • get rid of the car and sue under a scottish claim for transportation costs.
    • Tariffs could add £3bn to the cost of importing food and drink from the EU, a leading retail body warns. View the full article
    • China plans a digital version of its currency, which some say could become a big global payment system. View the full article
    • nothing new always been that way for 25+yrs now i had voip lines with NTL back in the late 90's which is why a real trucall box or a handset with real truecall software in it is SO good.   on average i get about 25-35 of these calls a month NONE get thru  the ones that spoof UK or mobile numbers are still screened are easily dealt with the truecall system   if they are real, the only thing they have to do is speak and you get an alert ring to listen to whom call with the option to accept or ZZapp them. once zapped that number never gets thru again.   its worthy to note that the scammers only ever use disconnected numbers, or fake numbers after a known local UK dialling code well the truecall software already knows these numbers as it gets the same databases the scammers use. if the number doesnt come up on the fake/disconnected list, it also then checks if the UK number is listed active UK and will auto put people thru   very clever little device worth every penny and mine is from 2006 when i joined CAG.
    • No the info on comms log isn't quite right,   I hadn't worked since Xmas due to bereavement but I wasn't staying in Somerset since the Xmas. The comms log is very deceitful indeed and after I had finished evaluating it fully I came to the conclusion MB are very manipulative, they lie, cheat and twist the truth, but it only takes the slightest slip up and everything crumbles.   You see in order for MB to have taken any further steps they have to be entitled to take them. So when they lie and try to deceive the truth prevails 😊, so to send a copy of a Default Sums Notice dated 15/1/17 that doesn't exist on the log anywhere and Ive never had the original and then fail to include one in the SAR that is listed on the log as generated on 18/1/17 (not had this one either)  doesn't the consequence of that 1 act prevent them from any further action until the notices are served    86 (e) Notice of default sums (5)If the creditor or owner fails to give the debtor or hirer the notice under this section within the period mentioned in subsection (2), he shall not be entitled to enforce the agreement until the notice is given to the debtor or hirer.       But I am reducing the complaint and sticking to basics
  • Our picks

    • @curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
      • 4 replies
    • @skinnyfoodco Skinny Foods. https://www.consumeractiongroup.co.uk/topic/426130-skinny-foods/&do=findComment&comment=5068996
      • 8 replies
    • I’m in desperate need of help
      I bought some clothes online in may through Evans and paid through PayPal
      returned them all seven days later
      I waited the 14days for my refund and no refund came
      I put in a dispute through PayPal but I didn’t get any emails to escalate the case - PayPal closed it. 
      evans said they couldn’t refund the money because PayPal have cancelled the refund because of the open dispute
      I contacted PayPal
      they said the dispute had been closed but Evans at no point had attempted a refund.
      fast forward to today
      I’ve got copies of numerous messages sent to and from twitter messages as it’s the only way I can contact them
      I’ve also contacted their customer service too
      all I get is PayPal have cancelled refund because dispute is still open.
      I have proved that the dispute is closed
      I have got an email saying that if Evans sent the refund they would accept it
      but up until the date I got the email they have not once attempted a refund .
       I have sent them a letter before court email
      I have even offered to have the full refund as a gift card just to get this sorted !
      I’m literally at the end of my tether and don’t know where to turn next !
      i suffer with mental health issues and this is affecting my health and I’d saved the money for a year to buy these clothes as I’m on a low income .
    • In desperate need of help. https://www.consumeractiongroup.co.uk/topic/425244-in-desperate-need-of-help/&do=findComment&comment=5067040
      • 29 replies

Advice needed for LLoyds mess up!

Please note that this topic has not had any new posts for the last 4286 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi all, not sure if this is in the right place but i'm sure someone will move it for me!!! sorry


right are you ready this is a long story and has gone on for nearly 4 months!!!


LLoyds offered us back a refinace package to consolidate our overdraft and loan we had with them, we were unsure and spoke to someone who asdviced us this would save us money, we signed the papers and returned them by recorded delivery, after 2 weeks we phoned as nothing had been done, they sadi they lost the papers and we would need to sign them again..


after many calls telling them we had not received them, someone told us we could visit the branch and we could sign them there!! this was not the case after 2 hours we were told that it was a waste of time and the branch manager had messed up as he had erased our orginal loan and set up the refinance packeage but we saw no money.


we called the collections dept and asked to speak to the manager, he said that the branch had messed up and we had to wait for that to be sorted before they could re print the refinance package papers for us to sign.


a few more weeks later and another load of phone calls we were told that because the refinance package was set up by the local branch we now have to make the payment for that instead of our old loan!!! we were furious that we now have to pay for something we don't have... the manager told us if we didn't it would affect us when we actually do get the papers!!!! (we are sure they are never going to arrive)


so now we are paying for a loan we don't have and overdraft charges that the loan was supposed to pay off.


what do we do now? someone please help we are at our wits end we have made so many phone calls

Link to post
Share on other sites

Write, to the head office, not the branch. Send 'recorded - signed for' and clearly mark the envelope and letter 'complaint'.


Set out in order exactly what has happened. Keep it all as factual as possible, give dates and times where you can.


At the end add a paragraph detailing the effect their 'mistake' has had on you, e.g. stress, not sleeping, worry, anything else you can think of.


After that write down exactly what you want them to do to resolve the situation, i.e. get their paperwork sorted out properly plus reimburse you for the cost of all the telephone calls etc.


Finally, are you absolutely certain that refinancing is the best or only option? It's not generally a good idea to borrow more to repay debts.


"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites

hi thanks for the advice,


we are not borrowing anymore money they are just joining the 2 together to make our payments per month lower, don't think we will ever borrow money again!!! we are saving and putting it under our matress!!!!!!!

Link to post
Share on other sites
hi thanks for the advice,


we are not borrowing anymore money they are just joining the 2 together to make our payments per month lower, don't think we will ever borrow money again!!! we are saving and putting it under our matress!!!!!!!


Are you sure? Have you compared the total amount payable under the new loan with what you already owe? At the very least the lower payments imply a longer repayment period and so extra interest. You are likely to end up repaying an awful lot more than you already owe. If you want some impartial advice, try ringing National Debtline.


"If you want my parking space, please take my disability" Common car park sign in France.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...