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Csol2001

Lloyds - removing benfits from Disabled Living A/C

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Hi

My wife received a letter today from Lloyds advising her that as she had missed her minimum payment on her credit card they have taken it from my brother in law's Lloyd TSB account. He registered disabled, following a stroke and my wife and father in law administer as signatories on his account, to pay for his disability carers etc.

 

In a despicable attempted to up the Anti on my wife and embarasse her, I quote from the letter as follows:

 

"IF THE ACCOUNT THAT WE HAVE TRANSFERRED FUNDS FROM IS HELD JOINTLY, AND A QUERY IS RECEIVED FROM YOUR JOINT ACCOUNT HOLDER ABOUT THIS PAYMENT, WE WILL BE REQUIRED TO EXPLAIN THAT THE FUNDS HAVE BEEN TRANSFERRED INTO THIS LOAN ACCOUNT. HOWEVER TO MAINTAIN YOUR PRIVACY NO FURTHER DETAILS ABOUT THIS ACCOUNT WILL BE SUPPLIED

 

As she is named on the bank account with my Father in Law, given his level of disability that the local branch is aware that my brother in law in registered disabled, the bank is abusing its T&C's.

 

Q - How should I address this with bank to ensure that it does not happen again.

 

Many thanks

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There is something on the site about this.......just need to find it.


 

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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

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They are not allowed to do this as confirmed in the attached link.

 

 

 

banking: firms' right of 'set off'

 

Insist they return the payment to her brothers account immediately.

 

 

enamae


Please note: I have no qualifications in this area and any advice offered is given in good faith.

 

 

http://www.financial-ombudsman.org.uk/publications/Ombudsman-news/40/40_setoff.htm

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They are trustees of the account. However, have Lloyds been told this and if so is ther evidence that they have been told this.

If you have told them and you have evidence then we can help you cause trouble.

 

Of course, this kind of behaviour is well within Lloyds' very poor level of morality.


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Many thanks for your replies. No - my and father in law have not informed the bank that they are trustees of the account. I will write to the CEO of Lloyds to inform him of how shallow his bank is, to use such underhand, deceitful and dreadful tactics. He should be ashamed of his bank.

 

Can anyone suggest a use template to use.

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Don't bother about that kind of thing. It is a waste of breath.

 

I suggest that you write them an immediate letter putting them on notice that you are trustees of the account and that the money in it is not yours and that you would like the money which they have taken out put back. If you have some evidence that what you say is true then you should include that with your letter. Let them know the date upon which you became trustees.

 

You might also visit a solicitor and swear an affidavit which you can send to the bank too.

 

I am no fan of Lloyds but I have to say that if you did not tell them of your status in relation to the account then what they have done is not suprising. You really should have made it clear at the outset.


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Hi Thanks,

 

We will compose the letter and send off to the bank. The local branch is aware of my Brother in Laws condition. However, this does not translate to Lloyd HQ.

 

For good order and clarity - It was the Lloyd Bank local branch who suggested this approach to managing the account given that there are only 6 payments per month coming into the account, and all Disability Living Allowances.

 

Poorly trained or devious in their training program to grab any and all funds where possible.

 

I will come back with any answers received

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Hi Thanks,

 

We will compose the letter and send off to the bank. The local branch is aware of my Brother in Laws condition. However, this does not translate to Lloyd HQ.

 

For good order and clarity - It was the Lloyd Bank local branch who suggested this approach to managing the account given that there are only 6 payments per month coming into the account, and all Disability Living Allowances.

 

Poorly trained or devious in their training program to grab any and all funds where possible.

 

I will come back with any answers received

I'm not condoning the Banks actions in any way but in absence of any other information wasn't the simplest solution to pay the amount

taken by the bank from the account you co-administer back yourself and at the same time advise the bank that they were never to repeat their action. The fact that only DLA was paid into the joint account would not appear to be pertinent to the transaction.

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