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    • under your consumer rights you have a right to reject the goods as not fit for purpose within 30 days for a full refund  they must be a licenced trader so look them up on companies house or the FCA register  when did you purchase it please? dx
    • Reassuring that Tesla have public safety built in, to try to stop drivers driving in a way that may be risky. It didn't stop the man in Ohio taking his eye off the road and daydreaming by the sound of it, though. The car was even speeding by 5mph when it nearly hit the train.
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    • Interestingly, I've just been out to do some shopping - other side of town so in car waiting at single lane mini roundabout to turn right White van man comes up to island with left indicator on an starts to turn left - so I start to pull out - loon in a BMW speeds around from out of sight behind van as it turns and cuts across me - just missing - as I slam on the brakes   - wonder if my quick reaction to a loon would get me a black mark?
    • Exercise My right ? Put in a letter.my intentions if a refund isn't given .? I don't have a name for them individually i just have the name they go under in the indoor market can i just address it to that ?  Do i have to post it recorded delivery or can i just hand it to them perhaps video it ? Hes just messaged me and i said i want a refund which declined to give and then i said id give him a letter of interest and id take him to court and he said thats fine ican go for it ....
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Lloyds have ruined 45 years of good business reputation.


Norton588
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Lloyds touted for our business this time last year and made promises of a loan to cover cashflow (because of customers bad debts), an overdraft facility if we moved our account from HSBC (whom we had an account with for some 6 years- which operated with little or no problem).

 

I explained to a Lloyds business manager that HSBC always stood by our employees wage cheques, and certain other preferred customers when monies were due in, even when uncleared funds were due in.

 

Once we had moved the account over- the promised overdraft facility did not materialise and we started with a zero balance and all our DD,s and wage cheques were bounced.

 

Then after the overdraft was declined the Lloyds BM also INSISTED (and there was no other option) that 'Factoring' was the way forward.

We protested and told him that it would not work in our industry. He did not listen.

 

Incidentally the factoring agent is owned by Lloyds Bank.

 

Customers DD's were returned and charges flowed in like a torrent.

A year ago we could have absolutely anything we required from anyone with no questions asked. Now we cant get any credit anywhere.

 

Our annual turnover has been £1,000,000 for the last 5 years plus.

 

Lloyds have been rescued by the government and are doing nothing to help us.

I have complained to the Ombudsman and our local MP.

 

I have not yet asked for a return of my charges but am intending to do so.

A friend who has successfully claimed business charges back prior to May 2008 has been helping us.

I told my friend that we have not been given/received ANY terms or conditions since we opened our account.

My friend says that would mean that my charges are unlawful because I have not been advised of these terms and conditions.

 

I could continue for ages listing my complaints about Lloyds, but my friend assures me that the name on the door of the bank could be any name, because they are all the same.

 

Please can you give me your thoughts?

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