Lloyds and the Banking Code

[bbbenny1]

Hi All

 

I'm hoping I can get some useful advise on here about my account with Lloyds.

I opened an account in 2006 and used it until around the summer of 2007. At that time I was claiming against Lloyds for bank charges and during the process I moved address, of which I informed them. It was in the same apartment block so had no concerns over the mail etc.

To this date I have not received a bank statement from them - some 18 months after I changed my address details - and I have also not received a termination notice, so assumed that it has not been passed to a DCA.

The amount owing is under £100 (the majority of it bank charges). I called up last night to be advised to go into a branch and speak with one of the advisors as they could not take me through data protection - I am now thinking that the account has bene passed on but I have not been informed.

 

According to the banking code, Lloyds should be issuing regular statements to me about my account, which clearly they have not. I am wondering what stance I should take when going into the branch, as potentially I could go the the FSA and complain about them not issuing statements.

 

I'm thinking along the lines of close my account and write off the debt as potentially I believe they could be fined more than I owe. Questions going through my mind are how much could they be fined etc???

 

Any suggestions????

 

Thanks

Ben