Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
    • Must be a positive if the Insurers are now using the legislation as it was intended. It is just that I have not heard of it being used for Car Insurance, as the 22% comes from the Insurers rating calculations, which is not available information to the Policyholder. With Home Insurance, if you Insured a Building for £100k, when it should have been Insured for £122k, it is easier to grasp.   The Insurers would have issued the policy documents clearly showing that no motoring offences had been included within the premium calculation and the OP has had 5 months to correct the record with Insurers before the accident.   Perhaps probe the Insurers on the 22%. Can they provide evidence from their Underwriting rating guidance that this is the extra premium for 2 SP30's.
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
akania

Lloyds rejected hardship claim

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3983 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

the amount is £582.00. £282.00 overdrawn and £300.00 charges so in an ideal world if they paid them self back the charges then the debt would be clear.

 

I put in a hardship claim and they rejected it. Any ideas on what to do now?

 

Thank you

Share this post


Link to post
Share on other sites
the amount is £582.00. £282.00 overdrawn and £300.00 charges so in an ideal world if they paid them self back the charges then the debt would be clear.

 

I put in a hardship claim and they rejected it. Any ideas on what to do now?

 

Thank you

 

How did you argue you were suffering financial hardship?

Do you have priority debt arrears(mortgage/rent, council tax, utilities)?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites

Yes all of that. I have also recived a letter from apex management saying that she can pay 50% of the debt. The whole aoutstanding money was made up of charges, she didnt even have an overdraft on the account.

Share this post


Link to post
Share on other sites
Yes all of that. I have also recived a letter from apex management saying that she can pay 50% of the debt. The whole aoutstanding money was made up of charges, she didnt even have an overdraft on the account.

 

Was she still using the account as her main account?

Did she send an income and expenditure form with arrears letters?

Was any of the arrears being paid off on the prioirity debt arrears?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites

She hasnt used the account since feb. She sent to i &e form with the letter and the arrears on the council tax and mortgage gas and electric are still being paid off

Share this post


Link to post
Share on other sites
She hasnt used the account since feb. She sent to i &e form with the letter and the arrears on the council tax and mortgage gas and electric are still being paid off

 

In that case then I can see why they rejected it. If the arrears are being paid off then there is disposable income(ie more money going in than going out excluding the paying off of arrears).

If the account is not being used at all then I can see and would agree with why they have said No.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites

But the whole amount is made up of charges , they even oew her an extra £260.00 that they previously took , all of this for being £14.00 OD!!!!!

Share this post


Link to post
Share on other sites
But the whole amount is made up of charges , they even oew her an extra £260.00 that they previously took , all of this for being £14.00 OD!!!!!

 

But having bank charges is not necessarily financial hardship. But I would be telling every DCA who sniffs about to get lost since the very fact that she has a claim means that the amount owing is in dispute.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites

Even though LLoys have rejected it?

Share this post


Link to post
Share on other sites
Even though LLoys have rejected it?

Lloyds acknowledged you claim for bank charges, they simply rejected your hardship element to the claim.

That means its time to tell every DCA to sod off.

On the rejection letter it should say they will deal with the case when the OFT test case issues are concluded.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites

wow ok thanks so much for that! I dont think it said that but i will look again tomorrow. If it doesnt say that is there a letter i can send them?

Share this post


Link to post
Share on other sites
wow ok thanks so much for that! I dont think it said that but i will look again tomorrow. If it doesnt say that is there a letter i can send them?

 

If it doesn't say it, we will kick their bottoms over it ;)


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites

Lol ok, would love to. How do i do that???

 

Oh and one last thing. Are the banks allowed to chase for overdraft debts that are also made up of charges when the test case hasnt been finalised?

Edited by akania

Share this post


Link to post
Share on other sites

??????????????????????????

Edited by k1mmie
delete

Share this post


Link to post
Share on other sites

I dont know. They seem to make it up as they go along. I know YOUr Bank was kind enugh to post thoes links but i still dont know what letter from that list to send. Im so clueless:confused:

Share this post


Link to post
Share on other sites

Akania, I have an example of one of the best letters I have seen on the forums which is not a template but does go through hardship criteria to a T. Have a read so you know the kind of things you want to write about:

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-2301473.html


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

Share this post


Link to post
Share on other sites

Thanks thats brilliant !!! :)

Share this post


Link to post
Share on other sites

Hi, Akania,

 

Lloydstsb are the worst for refunding anything under the hardship criteria, as you can see from the posts on here, unfortunately.

 

Like K1mmie I have been rejected by Ltsb under the hardship scheme and it is now with the FOS. The Fos have replied with their initial findings, which agreed with Lloyds.

 

To be fair, the FOS sent me quite a detailed letter. What's most annoying is that Lloyds have told the FOS a whole string of inaccurate information and the FOS have swallowed it!!

 

Firstly, Lloyds have told the FOS that my debts were wholly with other companies - LIE. Then they said I had agreed to a repayment plan for my overdraft - LIE. (they contradict themselves quite a lot!).

 

So, I have written back to the FOS for a final judgment, outlining the falsehoods. To be honest, I don't expect much, it's apparent that Lloyds will say the right things to the FOS to get what they want. Still, you have to try. Good luck with yours!

 

BAE :)

Share this post


Link to post
Share on other sites

I received a letter from Apex credit management offering a reduction of 50% on these charges. I ignored it. I have now received a letter again from apex threatening all sorts. Can someone please help me on what to do next. Lloyds have rejected hardship, so do i now go down the LBA route?

Share this post


Link to post
Share on other sites

Little bit more fun... Lloyds rejected my hardship claim on the overdraft that is made ONLY of various charges, despite the fact that we even cannot pay the mortgage (house almost on repossesion...)The worst thing that my OH's jobseeker allowance was paid into Lloyds acc. Jobcentre managed to mess things up and we haven't received any money for a quite a while and suddenly from nowhere some lousy £160 appeared in that cursed lloyds account despite the fact that we advised JC to pay everything to totally different acc. Guess what happened - I am paying fines with the money that should help me to survive...

 

Sorry... needed a shoulder to cry on

Share this post


Link to post
Share on other sites
Little bit more fun... Lloyds rejected my hardship claim on the overdraft that is made ONLY of various charges, despite the fact that we even cannot pay the mortgage (house almost on repossesion...)The worst thing that my OH's jobseeker allowance was paid into Lloyds acc. Jobcentre managed to mess things up and we haven't received any money for a quite a while and suddenly from nowhere some lousy £160 appeared in that cursed lloyds account despite the fact that we advised JC to pay everything to totally different acc. Guess what happened - I am paying fines with the money that should help me to survive...

 

Sorry... needed a shoulder to cry on

 

Preuss, so sorry to hear of your difficulties. I had a similar situation with my jobseekers allowance a while back. I wrote to DWP advising them of my new bank details but they went ahead and paid my benefits into Lloyds, Lloyds swallowed it up in charges and I had nothing to live on.

 

I wrote to the DWP and explained what had happened and especially that Lloyds was taking all my benefits in bank charges and pointing out that it was DWP's mistake as I'd already advised them to pay into different account and lo and behold a week or so later they re-issued me with the whole amount. Don't know if they managed to get it back off Lloyds or what happened but its definitely worth giving it a try. That is money you should be living off and god knows its little enough. Good luck.

Share this post


Link to post
Share on other sites

Thanks, will try tomorrow to draft a letter to all parties concerned.

One thing that I am grateful for is that I stumbled upon this forum and found many nice people who actualy can help. And life is not so gloomy anymore

 

And now I am going to war... sounds silly.. a microbe against a giant (if I am not receiving all CCA's from Lloyds tomorrow, I will be sending them preaction letters, lets hope that they lost all original loan papers)

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...