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When did banks statements stop being evidence? well according to FOS they're not !!


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Have been gone through complaint procedure against Lloyds through the FOS. to cut along story short 7000 loaned 5500 given to a closed book shop. Lloyds didn't have the statements because of the age of the account, I've just found them. t The FOS says it doesn't affect his decision I'm still liable for LLoyds giving out money from my account and the statements don't don't affect his decision.


I even did a printed search on Company House's website and obtained details of the company the money was transferred to which show the book shop shut in 1996!!!


Since when did statements stop becoming evidence and since when has it been allowed for bank to dish out your money to anyone ?

Edited by rhino666
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Response from the FOS.


Thank you for your email I have considered your comments but do not believe this information makes any difference to your complaint. You have confirmed receiving the funds from the loan and as such I believe Lloyds TSB is able to hold you liable for the outstanding balance.


If you believe the payment you have highlighted is fraudulent then you should raise this as a new issue with Lloyds. I note your statement that Lloyds has told you that you should address any further concerns to the ombudsman service. However this issue has not been raised before and Lloyds TSB should be given the opportunity to investigate before our organisation can take on the case. I should warn you however that due to the length of time that has elapsed since the disputed payment I feel it is unlikely that there will be sufficient evidence available for a thorough investigation of your concerns to be completed.


I will as previously agreed forward your case for an ombudsman to issue a final decision.


Yours sincerely

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That's because it hasn't taken 15 years. This happened in 2001 along along with 2 subsequent transactions that were caught by the bank via an intercepted cheque book which I still have records of.

Details were handed over to my solicitor who decided not to do anything about it ( again I have a record of the letters to the solicitor ).


I've been in discussion with the legal ombudsman and another solicitor in the last 24 hrs who say I do have a case, BUT I have to wait to see what the bank wants to do with the evidence( statements, company house search, etc etc )

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