Chrissielr vs LTSB

[Chrissielr]

Hot on our recent success with NatWest and bored of waiting with Capital One I am about to start the reclaim process with LTSB. Have just worked out charges going back to 2002 and was shocked to find they total just over £3k!

 

Prelim letter going out today.

 

[Chrissielr]

Well after sending off my prelim and LBA and receiving all the usual replies, I had to put off starting my claim until I had the £120 fees.

 

Then yesterday, I checked my bank account and Lloyds had deducted a loan repayment from my account although I had cancelled the direct debit (wanted to pay by cheque monthly). I called the Platinum helpline and the very surly Leanne told me that my account was with collections, I asked why it was with collections when it was in credit and she told me becasue I wasn't paying money in, which is absolute b*ll*cks as my salary and various other payments go in regularly through the month. She then said "I can see you've written us some letters about reclaiming your charges" so I asked it was retaliatory action to which she replied "no, I can't talk to you anymore do you want collections number?".

 

I then spoke to Ginesh in collections "no one eles will speak to you whilst your account's with us - init?"!!!! Who immediately put my account back to branch control.

 

Anybody else had any treatment similar to this/am I just being paranoid in thinking it's in retaliation to my charges repayment request?

 

Also, does anyone know if I can revoke the authority I gace the bank when I signed my loan contract allowing them to take payments from my account automatically?

[DSM]

I would be interested to find out if that can be cancelled. Lloyds take money out of any of my current accounts to pay for my credit card. They do this religiously every month. I tried to chip in with the minimum payments, but they still got a little bit out to settle my credit card.

 

Just after I divorced my first husband, they intercepted my child benefit! I honestly thought it had bounced only to see it appearing on my credit card statement. I stopped paying - they keep intercepting and late so they can charge me 12 quid. Well, I am getting it all back!!!

 

If you find out whether we can cancel I'd be thrilled, I will keep an eye on your thread.

 

Dee x

[Chrissielr]

Hi Dee

I'm sure we must be able to revoke the powere we gave them to take these payments in a similar way that you can give them notice to stop them processing personal information. Hopefully someone out there will be abel to confirm and give us some ideas for a letter template. In the meantime, I'm going to get some advice from the CAB and if they're eating into a state benefit then you could always use the letter of appropriation on the templates forum.

I'll keep you updated!

[remus]

chrissielr "I'll keep you updated!" they still not settled yet?

[Chrissielr]

HI Remus

 

I must admit, I lost incentive at the end of last year and haven't taken things any further with Lloyds until now. The whole process was getting me down, but I'm remotivated and papers will be served this week.

 

I am also about to send them letters requestng that they cease processing data through automatic systems etc, etc.

[remus]

I would be interested to find out if that can be cancelled. Lloyds take money out of any of my current accounts to pay for my credit card. They do this religiously every month. I tried to chip in with the minimum payments, but they still got a little bit out to settle my credit card.

 

I see no-one has replied to the fact that the banks have carte blanche over your account/hard earned money.

 

When did they get the right, and where in the ccact are we covered?

 

It feels like you have been pick pocketed.

 

Glad to see your re-motivated Chrissier, its your money, get it back!

 

Good luck

[Chrissielr]

Well now I'm really p****d off and need some Mods advice please.

 

Today I called LTSB regarding my mortgage and loan accounts with them and it seems that because I am in dispute with my current account they cannot agree any plans on the loan and mortgage!! I stated that they were separate accounts, but apparently not any more.

 

At first I was really upset as I thought it was an effort to default me on all accounts and push for legal action, but then I remembered reading that if an account is in dispute a creditor is not permitted to take any action against it whilst it remains so.

Is this the case? If so, by lumping all my accounts together have LTSB shot themselves in the foot?? Or would this be a good case with the OFT for unfair retaliatory treatment by LTSB??

[broke dave]

Don't know what they think they are doing. I have had something similar but not as bad. They have cancelled all of my D/Ds on my business account (without telling me). But with my mortgage I have spoken to someone at the collections centre and he was very helpful. I am 2 months in arrears but when I explained what had happened he said no problem - pay us July's money and settle the arrears when we pay you back the charges (after July 10th court date).

[Chrissielr]

Blimey, you don't happen to know his name do you???

 

Seriously though, it's panicked me - I wanted them to capitalise the mortgage arrears, as far as the loans concerned I offered to increase payments by £100 per month to pay off in 6 months and the delightful young lady said she couldn't accept it and I should get myself down to the CAB and ask them to do a budget plan for me. Cheeky bint!!

 

However, if their action now means they can't do anything further on all 3 surely that's in my favour for the moment??

[broke dave]

Certainly looks that way. I was also told to make arrangements to pay. Told them to get stuffed. My arrangement is you pay me and then I will pay you. Whenever things get difficult I just play the ' Can't discuss as this account is under dispute!' Has always shut them up in the past - so they know the rules.

[broke dave]

Oh and by the way his name was Tom and he also works overtime in a department that pays out all of our claims. Happiness all round - Tom gets his O/T and (hopefully) we get our money. I have asked him to pull his finger out as mine is taking a long time

[remus]

just a thought, they can lump to gether your accounts when it suits, but if you have money coming out of 1 account with nil in it, but a savings account with loads, they bounce, as they are seperate accounts.( make sense:confused:?)

Chris take a deep breath, you're right about the dispute part, the account is in effect suspended while litigation is in progress.

I have a loan with HSBC passed to Metro, am claiming on current account, but have sent Metro a letter saying hold off as in lit with HSBC (answer your shot in the foot question?)

Have you got a parachute account?? You could be stashing your money away ready to pay on mortgage/loan once all is settled.

LOL broke dave post 12

[Chrissielr]

Well I couldn't post yesterday becasue I was so MAD!!

 

Following broke dave's post I thought I'd give the collections line another try. I spoke to a "lovely" guy who started our call by saying "I see you spoek to Miss Mellor earlier today", which rather blew her "we don,t give out surnames" excuse out of the water.

 

I explained that, despite the dispute with my current account, it was my desire to sort out an arrangement for my loan and mortgage accounts. He told me he needed to speak to a supervisor, who he would ask to listen to my call with Miss Mellor, who was not a supervisor as she had quoted, and call me back.

 

Surprise, surprise Thursday night came and went without a call.

 

Yesterday morning I rang again and spoke to Karl who told me it was possible to make an arrangement on the mortgage and loan only, but that I would need to make an immediate mortgage payment to get it back within 3 months arrears before he could do this.

 

I then went away and had a chat to the CCCS who advised me to ring back and find out why an arrangement couldn't be struck until further payment made, and that's when things got interesting.

 

The lady I spoke to told me that if my mortgage account left collections and went to recoveries, they would apply for and "without question" get a suspended possession order against me. I mentioned that I thought this would be dependant on a judges decision, but no, they would "definately" get the suspended possession order. She then went on to tell me that the order would show on my credit file in the same way as a CCJ does (now I'm not expert, but I really don't think that's the case?????).

 

Off I went to make the payment at my local branch so that we could get the arangement made, and when I called back last night to sort things out, I was told that their system won't update until Monday!!!!

 

Every time I have called, the operator has demanded payment before they've read the notes and included my current account.

 

I decided it was time for the complaints system, you know, "

We’ll do all we can to resolve your complaint by the end of the next business day. If we can’t do this, we’ll write to you within five working days to tell you what we’ve done to resolve the problem, or acknowledge your complaint and let you know when you can expect a full response. We’ll also let you know the name and contact details of the person or team dealing with your case"

 

So I got on the phone ans spoke a genuinely nice girl who in turn spoke to her supervisor who informed me I needed to write to the PO Box 1, BX1 1LT address (which I believe from here is a call centre) - so they now cannot even fulfill their own complaints policy.

 

I do need to write a letter and I think the basis should be retaliatory treatment following my LBA (but any comments would be welcomed) and I've got my hands on a copy of the LLoyds TSB latest annual return so am thinking of sending by special delivery to the CEO at his home address.

 

What do you think????

 

Sorry to be an advice leach!!!!

 

[remus]

lets bumb this up, and see if anyone can give you some good advice on this one (not me;) )

Good luck

[Chrissielr]

My LTSB claim had been simmering quietly on the back burner in anticipation of test case results, when about a month ago the plagueing phone calls from Brighton kicked off again along with a call from their lawyer telling me my accounts were not in dispute. Then last Friday I receive a default notice/termination notice for my current account and a default notice for my loan account.

 

I must admit my eye has gone slightly off the ball due to the time this is taking, but as the claim is outstanding and they rolled all my accounts into one, I can't see why they've suddenly started on the offensive again and I'm not entirely sure how I should respond.

 

Any ideas???????

[Chrissielr]

My LTSB claim had been simmering quietly on the back burner in anticipation of test case results, when about a month ago the plagueing phone calls from Brighton kicked off again along with a call from their lawyer telling me my accounts were not in dispute. Then last Friday I receive a default notice/termination notice for my current account and a default notice for my loan account.

 

I must admit my eye has gone slightly off the ball due to the time this is taking, but as the claim is outstanding and they rolled all my accounts into one, I can't see why they've suddenly started on the offensive again and I'm not entirely sure how I should respond.

 

Any ideas???????

 

Help needed please guys

[GuidoT]

Bump

[Chrissielr]

After getting Lloyds to finally accept that my accounts with them are in dispute whilst the OFT case rumbles on, I now find out that they last month they have registered defaults against me arghhhhhhh!

 

Is it me, or is anyone else losing the will to live????