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Lloyds refusal to acknowledge account hold

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I've just spoke to Lloyds and explained that I will be closing my current/credit account due to financial difficulties and arranging a payment plan either through debt management or myself.

 

I explained that I will be writing to request a hold on the account whilst I make arrangements

 

They stated that they will not entertain such a request and will continue to place charges on the account/s

 

What can I do ?

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Hi, sorry you were missed.

 

Firstly, open a new account with another bank not associated with lloyds group.

Get all your direct debits/standing orders transferred and any payments into your account.

 

Once that is all done and no further money is going into/out of the lloyds account, SAR them. Letter 2 here:

 

The Consumer Forums - Bank charges templates (consumer)

 

Send with a £10 postal order

Send recorded delivery

give them 40 days to respond (from receipt)

Go to the royal mail website and track the letter. print off the receipt of delivery once it has got there.

 

You should get back everything they have on you and then once you have worked out how much they have stiffed you, reclaim it.

 

There is an appeal going through the House of Lords today about this and if it goes in the consumers favour, the money will be easier to get back.

 

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No worries thanks for the response. I've been pondering this route for a while but was under the impression that all the claims have been put on hold and to wait for the outcome of the court hearings.

 

Anyway, SAR sent. Transfered wages paymens to Co-Op account

 

Doing some quick sums from my records, minus interest I think i'm owed in excess of £4,000

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