Jump to content
  • Tweets

  • Posts

    • More than 364,000 cases of fraud were recorded to the National Fraud Database in 2019 - the highest ever recorded View the full article
    • If its a domestic address and a normal account, thought they could only bill who is on the Tenancy agreement or Mortgage, as isn't a Tenancy in Common. if Joint tenancy and other party gone, didn't think children who have gained majority can be held liable, as not on any paperwork, apart from Electoral roll.  Is a Lodger liable?
    • Thank you so much for explaining that to me much appreciated 
    • It's not so bad then.  1250L is the standard tax code, and means he can earn £12500 pounds without paying tax, and then just pay tax on anything he earns over that amount.   Due to technically being out of work, and claiming UC, and now going back to work, the code is saying that he will pay tax on anything earned over £6500 pounds now, but it is under review and should change within the next 8-12 weeks, and if he has overpaid in the meantime, then it will be refunded via his paycheck.   The only reason for this is I am assuming that while shielding, his company did not keep him on the books.  If HMRC have got a record of him being on the books, and claiming UC, this will be them determining that he hasn't been trying to fraud the system by being paid as employed at the same time as claiming UC.  Once they clear that up, then they will correct the tax code.  So long as all his earnings and benefits all add up and they are happy then it will be back to normal.
    • Good Afternoon,   I am hoping to receive some advice regarding the below topic.   I was looking to purchase a property off-plan with a incentive attached and in order to secure this you pay a 'finder's fee'.     The fee was paid but then the property was un-mortgageable due to various reasons including the incentive being offered.   Having gone back to the agent to ask for a return of the finder's fee - they have refused saying that the incentive does not need to be disclosed and that essentially my broker is useless and I should use theirs!   Their broker also advised it would be hard to get a mortgage with the incentive disclosed which backs up what my broker has said.    This fee will now be kept on account.     I signed a form which confirms that the finders fee is non refundable - which was my error I should have checked if the property was mortgageable beforehand - however I wondered if there was anything I could do because:   The property is un-mortgageable - my broker tried all lenders including those who are happy with the incentive which was offered They have advised to withhold information which is clearly questioned in the mortgage application process   This is not a case of pulling out, this is a case that I cannot get finance and so cannot proceed.   Thanks in advance.
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 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 
      • 16 replies

Ill-advised By LloydsTSB's Collections Call Centre...

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3645 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

Chaps and chapesses,


Late last year I managed to secure my first mortgage in principle which was nice, but the underwriters approving were a complete nightmare and LloydsTSB's collections dept (which I think is outsourced?) were pretty much the cause of it, in my view.


Years ago I took out a loan with Lloyds (or Black Horse, I'm at work and can't confirm which) for roughly £4k-5k for various ends and I was paying off around £170pm to repay the debt. Late in 2008 my entire IT department was let go (we were all let go after our 6 month probations (myself) or left once people started going (others after my departure)) over the course of a few months which left me out of work with very little financial cover. Luckily I was living with my parents still and they helped me a fair bit but to help cut down on my outgoings with nothing coming in I called Lloyds and asked what my options were. I was told that I could pay a reduced amount per month and at no point was I told that this would have a negative effect on my or my credit rating at all.


My account was then passed over to another dept (that I now know was the collections dept - not good!) and we agreed that £100 could be paid for around 6 months until I found a new job and had regular income again. No probs.


A year later when the underwriters looked at my application submitted by my mortgage broker they said that I would have to clear up some outstanding debt first and then they'd consider it. So I borrowed some money from my parents to get both cards paid off and I had to call the collections centre to get a settlement figure for this outstanding loan. They quoted me the figure and twice I asked the rep to confirm that there would be no other charges and that once the settlement had been paid that was it. Nothing else to pay. So I paid up, collections passed the loan handling back to Lloyds and still the underwriters quibbled over outstanding debt.


I was now stuck between LloydsTSB who insisted that there was an outstanding amount on the loan remaining and the collections centre who insisted their account was closed and no further info on my situation was available. This involved two weeks of daily calls which was extremely frustrating and stressful as the property I'd put an offer in for was a repro which has to complete in four weeks of the offer being accepted.


Eventually it transpired that the settlement had been a reduced amount - which I'd absolutely not been informed of at the time of settling, quite the opposite had been implied - and that I'd have to pay the outstanding figure of £700 to get this debt wiped off.


Now me and my parents barely managed to scrabble the amount together to pay up as we'd already gone over the four week deadline at this point and my offer on the property could've been forfeit at any time, but is there any way that I can claim that £700 back from the bank with no change to my credit file?

I say this because when I ask for a settlement involving what I consider to be a substantial amount of money changing hands I expect to be advised in a clear and comprehensive manner with no hidden surprises. When I have a final settlement figure confirmed to me I expect it to be just that - a final figure that I can factor into my finances and not have a nasty surprise at a time-critical moment when I'm already under a lot of stress and pressure commiting funds to a property purchase! In my mind an outstanding amount is not my problem when I've conducted my business according to what I've been told by the very people who then demanded more money because of their error.


I've lodged an official complaint with Lloyds over their handling of this situation which seems to have stalled as I've not heard back from them, can anything be done so that I can claim that £700 back from them?

Share this post

Link to post
Share on other sites


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...