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Loan with Lloyds


mungos mum
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Hi

Sorry to hi-jack post.

We had loan with Lloyds about 2 years ago and we signed absolutley no paperwork or agreements of any kind. Lloyds have agreed that they have no documents with our signatures. In fact the manager was so slap dash we never had any paperwork of any kind, just statements.

We are in the middle of an investigation by banking ombudsmen service as we have complained about the appalling service we received from Lloyds. The first person we spoke with at the ombudsmans service told us that it didn't matter that we didn't sign an agreement and that we would have to re pay the loan, but that they did uphold our complaint against Lloyds and went as far as saying that the manager clearly had acted unprofessionally.

Due to the complexity of this, the case is now being investigated by a senior ombudsman and we have been told that our case is not due to be investigated until at least the end of February.

Basically my questions are; if agreements are not signed, are there circumstances that are not covered by the c.c.a, ie; business/personal loans, size of loan etc?

Many thanks

Mungo mum

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