about to email Lloyds, have they closed anyones account after claiming?

[munz]

Just about to email the LLoyds CCT. we have amassed charges of £2000 over the last 2 years, mainly it was due to rolled charges if you understand, that and my husband being posted in iraq for a spell - anyhow, this is our main Joint bank account, we're part of an IVA (the account is not incl in this) but husband is cautious about claiming incase they close our account down as it's highly unlikely we'll get another - I on the other hand begrudge still being charge £30 when I go £1.21 over drawn - during a converstaion with a help desk lady she told me that the £30 charges would Stand (even thou I told her they were unlawful) but she said basically tough you shouldn't go over drawn they are our charges.

 

so about to email them now. has anyone been able to resolve this via email before?

 

thanks

 

Lou.

[lucid]

Hi Lou,

 

If I were you I'd get a new account opened elsewhere as soon as possible - even if it's just a basic account. Check out the thread on Parachute Accounts. They probably won't close your account but it's better to have another account just in case. We got a new account open before we started the process and completely stopped using all of our Lloyds accounts. It really does help with the finances when half your money isn't getting taken in charges.

 

I think that mjanet corresponded by email throughout the majority of her claim (her thread will now be in the Lloyds Successes sub-forum). I don't see any reason why it would be a problem to email wherever possible - probably a lot quicker than constant letter writing and sending.

 

Good luck and be prepared for whatever they throw at you.

 

Lucid

[munz]

thanks for taking the time to reply lucid. unfortunatly when we did try to set up a sedcond account after our IVA was started with the natwest we were declined. (this was about 10 months ago) main reason was so we had one account for bills and one for spending. anyhow I've got a personal account but no other jopint accounts, and apparently my husbands wages can't be paid inot an account without his name on it.

 

i'm prepared for a fight with them - I don't begrudge them charging me the £12, i'd happily settle for a lesser amount if all future charges were only £12 it's just I don't see it as fair they charge £30. still now we're more careful and have stopped being charged (well once in the past 8 months - which for us is v v good)

 

watch this space, will keep u all up dated.

 

thanks again

 

Lou.

[munz]

not had any reply yet (even a we're deling with it email so should I email them again?)

 

L.

[lucid]

Hi Lou,

 

Assuming you emailed them on 24th September then they've had a week to respond so far - so they do have one week left. I'm not entirely sure how it works by email. We posted our letters and got an acknowledgement that they'd received the prelims within a couple of days of sending them. But it was pretty much on the last day of the 14 day deadline that they responded with their 'the answer's no' letter. I'd have assumed it would be a similiar system by email - so would expect them to at least acknowledge they'd received the email within a couple of days.

 

Maybe it might be an idea to send them an email asking them if they could acknowledge whether the correct department has received your email and remind them of the 14 day deadline.

 

Lucid

[munz]

hi lucid,

 

thats what I was thinking sort of a:

 

dear x,

please confirm recipet of my previous email as detailed below (copy of email prev sent). Please advise me if I have the incorrrect department and advice on which one to send it to?

 

Regards

 

Mrs X

 

what do u think?

 

Lou.

[lucid]

Hi Lou,

 

Just out of interest do you know which department you sent the email to? I've slightly adjusted what you put in the above post - I hope you don't mind. I refer to an email contact for Customer Recovery as they seem to be the department who deal with this - but if that's who you emailed the letter to then you shouldn't need to include that part.

 

Dear x,

 

Please can you confirm the receipt of my previous email as detailed below sent on xxx. Can you please confirm whether this email has been received by the correct department? If not then could you please advise me of the correct contact details, via email, for the Customer Service Recovery Centre in Birmingham.

 

Regards,

 

Mrs X

I don't know what you think - obviously don't use it if you don't want to.

 

Lucid

[munz]

hiya,

 

I emailed [email protected] in the CSRC, I don't mind you altering the email at all - i'm not so good with wording emails to sound official etc.

 

thanks for your help. will send it now. (incidently it was the 3rd email I tried - the first two were either out of office or no longer employed by LLoyds. - maybe this claim is going to be doomed!)

 

Lou.

[lucid]

Hi Lou,

 

Oh that's good, so you emailed it to the right department in the first place. They should have acknowledged the email by now then - the Banking Code states that they are supposed to acknowledge all contact within 5 days of receipt. You'd have thought that it would be much easier for them to reply to an email than a letter.

 

Hopefully they'll let you know what's going on soon. I'm sure it's nothing to worry about as they do have 7 days left to say that they aren't going to be refunding the charges;), but they should have at least let you know they got the original email.

 

Good luck. Lucid

[tim2718281]

anyhow I've got a personal account but no other jopint accounts, and apparently my husbands wages can't be paid inot an account without his name on it.

You may be able to have your husband's name added to your personal account.

 

Tim

[munz]

we tried to set up a new account, and just this week I tried to upgrade my natwest account, both were declinded due to our credit score - tbh its not so much the money - althou that would be nice, its the fact they charge us £30 per time when by all accounts it should be £12 max - somthing which capital one have informed us they now do (not that we use that account )

[mariep1208]

anyhow I've got a personal account but no other jopint accounts, and apparently my husbands wages can't be paid inot an account without his name on it.

 

My partners wages get paid into my account, its allowed as long as your partner signs a notification to his employer that this is his wish. After working in HR/Personnel for over 10 years I've never come accross someone being declined this!!

[munz]

marie - he's in the forces which seems to be a law unto them selves! lol.

 

anyhow over 2 weeks now, and not even an acklodgement email, so going to post them the letter recorded delivery and wait from there - esp as they want to charge me £90 this month for going over by £10 on 3 occasssions. (in fact one was only £1.50

 

any ideas on where to post them to? is SP del better than recorded?

[lucid]

Hi Lou,

 

This address is where you want to post your prelim and LBA to to:

Lloyds TSB

Customer Service Recovery Centre

125 Colmore Row

Birmingham

B3 3SF

Special delivery is better because the items are kept seperate from the standard mail and you are guaranteed delivery by a certain time - but it is ore expensive. Recorded is sufficient enough in my opinion.

 

Lucid