lloyds hardship application

[dianatbank]

I have had an offer of partial settlement but they have rejected that I am currently suffering hardship. I am replying to them using letter 4 of the refusals template. I also submitted a letter of appropriation but Lloyds then said they would only appropriate once and would then close my account.

 

I am currently on benefits and am disabled.

[jdes26]

im so sorry to hear that!! some one will come along and help...... im sure they cant do that

[dianatbank]

hi - can some one help me please?

any ideas on how to approach this?

 

many thanks D

[dianatbank]

HI - thanks for your quickposting Jdes26.

Many thanks

D

[MARTIN3030]

What was the basis of them refusing your request under hardship ?

Have you got anything in writing from them ?

Did you send them evidence to prove your circumstances ?

[dianatbank]

Hi, I have scanned ion their reply Are you able to read it? They are not denying I am in hardship but are saying they will only give me some of my charges back and will only let me appropriate my money for 1 month and then they will close my account 30 days later.

 

I went in to see a Bank Rep as this site advises and he went and got their procedural guidelines which are they will appropriate once and then close the account. I am trying to do 2 things here get my charges back and try and make sure my benefits payments are used to feed me and my children. I pointed this oput to the poor employee who met me. He said he would check back but so far I have heard nothing. I need to write up the meeting and confirm as advised here.

 

However I pointed out that as a Bank owned by the tax p-ayer I woulkd expect them to operate in the spirit of the law.

 

I have been a LLoyds TSB customer for 34 years. I am shocked at how ammoral they are.

[dianatbank]

I also sent them my budget prepared by CCCS which clearly illustrates I am broke following redundancy. I was assaulted at work, went off sick, became disabled due to anxiety and depression tried to get back to work, when I did they made my role redundant 4 months later. I told the Bank the whole story.

[maroondevo52]

Hi,

 

I'm sorry to read of your situation, your scan of the letter you received from the Bank does not show, could you try to scan it again.

 

Regards.

 

Scott.

[MARTIN3030]

If there is evidence that they are threatening to close your account because you are seeking charges back or else exercising right of appropriation,then you may have recourse to file a complaint and seek compenastion from the regulators.

I am flagging this up for site team thoughts.

[dianatbank]

Thanks, I'll rescan the letter which clearly says that is exactly what they are threatening. Basically they said, and my local bank had the exact same policy document, we will let you appropriate for one month and then give 30 days notice and close your account. They also want me to specify exactly what the money is to be used for they say a budget showing all my incoming and outgoing money is not acceptable.

[MARTIN3030]

Yes they are within their rights to ask what appropriation is being applied to what.

 

You should have listed those in your application/ROA letter.

Your income and expenditure sheet SHOULD be acceptable what are they on ?

[dianatbank]

I can do that and state when the money goes in and generally follow it to the letter. But I am now worried to pursue this if they close my account as they say they will.

[MARTIN3030]

Bankfodder has written a guidance article on appropriation on the front page.

[dianatbank]

Hi Everyone

 

Attached is the Lloyds letter. Hopefully, everyone can read it.

Look forward to your comments.

 

thanks

D

scan0001.pdf

[MARTIN3030]

Interesting.

The FSA ave issued guidance as to how letters should be worded ?

No wonder these are all looking the same then.

 

I note also that they say right of appropriation cannot be used if a charge has already been applied to an account-this obv is not so clear cut.

A charge can be applied after a breach but is not actually taken until the day notified.

Since many would not be aware of the charge until they got the letter advising that charges will be taken-so does this mean it is too late to seek ROA at that point ?

[jdes26]

That Lloyds Bank Is One Hell Of An Asshole Bank

[dianatbank]

I have had an offer of partial settlement but they have rejected that I am currently suffering hardship. I am replying to them using letter 4 of the refusals template. I also submitted a letter of appropriation but Lloyds then said they would only appropriate once and would then close my account.

 

I am currently on benefits and am disabled.

 

I have now had another letter from Lloyds saying'

 

As we mentioned last time we have consideredany points you raised in your letter as well as all the information we have about your personal circumstances.

In relation to your complaint we are happy with the response we have already given.' They then refer me to the Financial Ombudsman Service