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    • Okay so it carries on, Lloyds supplied what they said was the DSAR again missing many items, so this has now been reported to the ICO, who have a six month backlog. Lloyds then said we will not correspond any further you will have to take us to court. LBG know they are in breach of contract but hope we can not raise the £10k + upfront to pay for the N1 and solicitors. LBG solicitors Eversheds then replied to the below letter (names take out) saying they will discuss once I have solicitors write to them. The below shows the lies, breach of contract and fraud by LBG and it's senior team. Charlie Nunn will have his work cut out with this lot or is he the same?   Directors of Lloyds Banking Group CO Eversheds Sutherland (International) LLP 115 Colmore Row Birmingham B3 3AL   10TH December 2020   This is an open letter   Dear All Parties   With reference to the letter dated 26th November 2020 received by e-mail from Eversheds Sutherland concerning mortgage account number xxxxxxxxxxxxx with Lloyds banking group (LBG). Although in letters dated 7th November 2020, 13th November 2020, Eversheds Sutherland clearly stated a full review of the banks records would be carried out before a full response can be sent it is very disturbing that the response dated 26 November 2020 does not contain 95% of items that LBG have records for.   For the purposes of background mortgage account number xxxxxxxxxxxxxx was taken out as a buy to let mortgage on property xxxxxxxxx, had a none agreed product change made to it in 2007 and also had an address change made to it by accident during a system migration. The latter creating a data breach with letters and statements relating to the said mortgage being sent to the buy to let property and being opened by tenants (this data breach was not reported to the ICO). The content of this letter will also show further unreported data breaches on third party credit card accounts that have not been reported. Issues with the mortgage account that were first discovered in November 2017, however the severity of the issues did not become apparent right away. With the letter also outlining Fraudulent activity along with the withholding of information carried out by LBG between 2017 and 2020.      For avoidance of doubt the following letter outlines that mortgage account number xxxxxxxxxx is voidable on the following grounds, Terms breached, mistakes made by party offering the contract, misrepresentation, and fraudulent (omitting / falsifying facts or information). LBG have also acted fraudulently to cover up mistakes made, whilst also not disclosing / purposely withholding and altering information which should have been included in DSAR requests. The below examples also highlight offences by LBG under the fraud act 2006, Can we please remind you this is a criminal offence and that the company officers will be liable to be charged with the offence as well as the company.         Credit checks: As part of the many DSAR requests xxxxxxx has asked for the two credit checks 2005 for the original application and 2007 for the change of product and all information relating to the credit checks to be included in the DSARs. LBG have purposely withheld this information as it shows many mistakes made in the correspondence xxxxxxxx has had with LBG since November 2017. Firstly, LBG state in many letters, e-mails (example e-mail to xxxxxxxx from Ben Taylor dated 29 March 2018) and conversations shown below that they have never held any other address than xxxxxxxxx for xxxxxx and xxxxxxxx however xxxxxxxx has never lived at xxxxxxxxx with the original mortgage agreement also listing xxxxxxxxx as living at a different address. Ben Taylor also quoted in an e-mail dated 4 April 2018 that xxxxxx was the associated address for xxxxxxxx. This means that either the credit check was incorrectly carried out and incomplete or LBG have made mistakes and acted fraudulently in stating no other address has ever been held. Due to the above mortgage account number xxxxxxxxxx is voidable on the following grounds, mistakes made by party offering the contract, misrepresentation, and fraudulent (omitting / falsifying facts or information)   For the 2007 credit check carried out on xxxxxxxx and xxxxxxxxx at xxxxxxxxxx, as stated by a number of LBG representatives, it is now apparent no credit check was carried out, 10th April 2018 Wendy Zeal wrote to xxxxxxxx in this letter Wendy quotes “Under our product transfer process in 2007 it was not a requirement for you to sign any documents in relation to the product transfer. Neither was it a requirement of the Bank to carry out a credit search on either of you” this means the many quotes stating credit checks had been carried one of which was by Wendy Zeal are fraud by false representation and was carried out with dishonest intent to cause a loss to xxxxxxxx.  Can we please remind you this is a criminal offence and that the company officers will be liable to be charged with the offence as well as the company.     None agreed product change: In 2007 the product was changed from 4.79% to a fixed two-year rate @ 6.23% plus a £699 fee, this was a mistake made by LBG who then continuously acted fraudulently to cover up this mistake.   The next section is made up of quotes taken from telephone calls between ******* and representatives of LBG and highlights many examples of mistakes made by party offering the contract, misrepresentation, and fraudulent (omitting / falsifying facts or information).   23 March 2018 LBG Sean Beveridge from executive complaints. In this call Sean Beveridge told xxxxxx when talking about the 13 November 2017 calls “not all calls are recorded, also no supporting notes are on the file to confirm the calls took place”. This quote by Sean to xxxxxxx is an attempt to withhold information by saying it doesn’t exist, once LBG realised the consequence of the content of these calls. In the Novermber 2017 calls ****** was told the address had change due to a system migration issue. The next two statements show LBG had been aware of the calls as Wendy Zeal references the calls prior to Sean saying they do not exist. Case reference xxxxxxxx from the 19tt March 2018 when Wendy Zeal states that xxxxxxx address change was only first ever noted on 13 November 2017. Wendy Zeal also put this quote in writing as part of a response letter dated 23rd March 2018. This is evidence of LBG acting fraudulent. As this is fraud it voids the contract on mortgage account number *********   4 April 2018 LBG call handler James during this call James makes the following statement to ****** when asked about how ******** address had changed during a system migration “I mean there has been no system changes so actually I think they was talking about you rebranding of your account from G&G to Lloyds” further on in the conversation James comments “on the balance probably it has been likely that a similar mistake has been made here” when asked if a member of staff may of made a mistake when adding the product change. Again this shows from the outset that LBG had a doubt about the truth of the charge. James then went on to say when asked about the mistake of changing the product “No we contacted you to tell you about your previous” this was an attempt to cover up the mistakes. However, this does show mistakes made by party offering the contract and voids the contract on mortgage account number 50000081506785.    To show misrepresentation by James above we will now quote a conversation from LBG call handler Luke INUM 610142078499453 during this call Luke spoke to a second advisor who said to Luke “Okay let me just check, if it’s 2007 I don’t think I will be able to see it in my system because my system is actually for 2013 and up” this statement shows there had been a system change and shows the statement from James 4 April to be a mistake made by the party offering the contract.   In the notes James added to the system on the 5th April 2018 James quotes “I have told him we would write out with copies of the notes from the telephone call in 2007.” This is an attempt to falsify information and voids the contract on mortgage account number *********.     6th April 2018 LBG call handler Elizabeth told ******* when ******** explained no change of product had been made or requested “So what we’ve enclosed is a copy of the conversation of your mortgage in which you chose a product that had the associated fee with it, so we sent that evidence out to you in the post so you should be getting it”, Elizabeth also went on to say that she didn’t know what address the evidence had been sent to “I can’t see that information because the colleague printed off the application it’s self and sent that out to you”. This evidence was never received nor was any application form that we completed ever received, these items have also been requested as DSAR requests but never received. The only conclusion we can now come to is that the items do not exist. meaning Elizabeth made mistakes, misrepresented LBG and acted Fraudulently and falsifying facts and information and voids the contract on mortgage account number *************.     6 April 2018 LBG call handler AJ, first it is noted that the time of the calls according to the transcripts is incorrect to the time the calls took place. This is shown in the call that took place according to the transcript @ 12.52pm and lasted 3m 4s however during this call the time of 3.26pm is discussed as a promised call back by 3pm hadn’t taken place. During call 609190145394775 AJ clearly states to ******* in answering to ****** question “Have I signed to the charge” AJ “Yes, there was actually a declaration, because we will not be proceeding with a change of the product, ****** if there is no signature from both account holders. There was a declaration that you have signed that you will be changing the product. Now, the £699 conversion fee is a non-refundable product fee to the mortgage.” This statement from AJ is classed as Fraud by false representation Section 2 Fraud act 2006 and therefore voids the contract on mortgage account number ******** . Later on during this call ****** asked AJ “But how did you credit check?” this question was in relation to how the change of product was credit checked in 2007 AJ responded “Okay, there are ways to credit check” “if you are living in a different address, you and ****** has been living, or was living in a different address, but there are ways to credit checks, ******* After another minute in the conversation AJ then stated “We will not be charging a product without any of your, any of your authorisations both ******* and ******* in it.” When ****** quoted to AJ the following “I haven’t signed anything that’s what I’m telling you.” AJ responded Evidences can be produced, evidences can be produced ******, we have all the evidences, all the documents that you have signed.” The above quote was not made by mistake but made by Fraud by false representation The following quotes where all made by AJ during the said call and are all Fraud by false representation Section 2 Fraud act 2006 ·         “We can go ahead and send in all the declaration that you have signed that you have agreed to it *******, there is no problem with that.” ·         “We can produce the evidence *******” ·         “We cannot Guarantee that we are going to revert this, Okay, because all the documentation is here ********. ·         “Right, there is no fraud if you have signed to it *******, Okay.”   The next passage is in an exchange later on in the conversation ******* “How can you produce something that wasn’t signed for? Do you fraudulently produce it?” AJ “********, we have your signatures on the declaration, you have agreed to change the product.” ******** 2 You don’t. That’s what I am saying, you don’t because we haven’t signed anything.” AJ “That’s what I am saying as well that we have your signature that you have agreed to it.” ******* “I am telling you I have not received anything to agree to it so how could I have signed something?” AJ “So we admit that we have sent it to the wrong address Okay, but these charges.” ******** “Okay if you have sent it to the wrong address, can you listen” AJ “will be mentioned to you as soon as you have agreed to it Okay” ******** “I haven’t agreed to anything” AJ “Okay, if you have not agreed to it then we will just produce the documents that you have signed There is no problem with it” ******** “Documents that, that’s what I am trying to tell you, documents that I have not signed” AJ “That you have signed and we can produce, ********. ******** “Documents that I have not signed because I never ever received anything about it. I didn’t know anything about it until I phoned up last night for my redemption figure” AJ “I understand that the confirmation letter was sent out to you, to an incorrect address but the declaration has definitely been received with you signatures.” This exchange highlights three items from section two of the Fraud act 2006 as follows; made a false representation dishonestly knowing that the representation was or might be untrue or misleading As this is fraud it voids the contract on mortgage account number *********.     6 April 2018 LBG call handler Rommel (AJ’s manager) Rommel called  ***** during the conversation Rommel quoted to ***** “When it comes to getting a new rate there should obviously be a confirmation from the bank, from the customer side there should be some signage” Rommel then goes on to quote “the document or the signatory must have been archived” then Rommel makes the statement “We can say yes it was sent out to a different or wrong address” This conversation with Rommel again highlights mistakes made by LBG with mortgage account number ******** voiding the contract.   6 April 2018 LBG call handler Myfe during a call ******* had with Myfe, Myfe put ***** on hold and had a conversation with a manager called Laura during this call Laura said to Myfe “I mean the customer is welcome to speak to me and erm, I can explain that we have received documents from him and it is open” This is another fraudulent statement made by LBG and is classed as Fraud by false representation Section 2 Fraud act 2006 and therefore voids the contract on mortgage account number ********.   6 April 2018 LBG call hander Velder call INUM 608617030411230 During this call with ****** Velder removed her headset and spoke to a colleague in the background during this conversation the colleague makes the statement “to Velder “He would have signed something” This again shows mistakes made by LBG.   6th April 2018 LBG call handler Angelito Dodoy Jr. stated to ******* and has also added to the notes on file “I have apologised for this mater but told him that the charge is valid and we can produce the documents for him but will need to be posted” This is another fraudulent statement made by LBG and is classed as Fraud by false representation Section 2 Fraud act 2006 and therefore voids the contract on mortgage account number **********     LBG call handler Amine INUM 608618030684268 during this call with ******* Amine talks to a second advisor about when a call back was meant to be made to ****** at 3pm “this note was left at ten past 3 and it’s from erm I think that might be AJ in offshore” this demonstrates notes left on accounts do not correspond with what has happened, and confirms mistakes made by the party offering the contract.     Missing / withheld / altered items from DSAR requests   21 March 2018 LBG call handler Wendy Zeal from executive complaints, although this call should have been included in a number of DSAR requests, the first request for this call was made on 23 March 2018 to LBG it has still not been received in this call Wendy hung up on ****** and also stated the calls from 13 Nov 2017 did not exist.   23 March 2018 e-mail from Sean Beveridge to Ben Taylor in this e-mail Sean states ****** has made DSAR request for calls and quotes “I have agreed that this does seem to be key, but also that our systems and notes hold no indication to what he suggests”. Ben Taylor also wrote to ******* via e-mail at 16.40 on the 23 March 2018 and quoted in the e-mail “Unfortunately we have not yet been successful and there are no notes on our systems to verify this call was received. This quote is a mistake and an attempt to withhold information voiding mortgage account number 50000081506785. On the same day Wendy Zeal wrote a letter to ****** and quoted “it wasn’t until 13 November that ****** correspondence address was noted as 27 Regents Way. If as Sean said and Ben e-mailed the call didn’t take place how can Wendy quote an action from the 13 November 2017 call? This again is confirmation of mistakes made, misrepresenting LBG and acting Fraudulently by falsifying facts and information. 13 October 2020 Suzanne Riggs confirmed LBG Technical Services confirmed a number of calls had been adapted before being sent as part of DSAR requests to ********* 20 January 2020 a FOI and DSAR request was made via e-mail for information on how many people have been impacted by system migration issues within LBG over the last 10 years. LBG have never responded to the requests although the requests have been chased.   6th April 2018 Angelelito Godoy jr called ***** however this call is missing from all DSAR requests as LBG are withholding the information from the call.   In the letter dated 10 April 2018 Wendy Zeal says “I have reviewed the calls between 5 – 7 April and it is clear you wanted an immediate refund of the product fee. During the course of the conversations with us we clearly let you know this would only be reviewed as part of your complaint about the product transfer which you dispute you requested. My response now fully answers the complaint” This quote is clearly an attempt to withhold information     9th April 2018 12.41 a DSAR request was made for LBG to supply transcripts of all calls between*****and LBG between 5 – 7 April 2018 when this DSAR was completed and Ben Taylor confirmed on the 16 August 2018 that calls had been sent, however LBG purposely withheld the calls between AJ and ****** from the 6 April within this DSAR and therefore voids the contract on mortgage account number 50000081506785.   8 October 2018 ***** made a further DSAR to Ben Taylor for the calls between 5-7 April 2018 via email by Taylor replied to Mr Boult on the 17 October 2018 and quoted “I can confirm the calls you have requested have been located and sent to you via recorded delivery.” As disk addressed to Thomas *****t was received by ****** on the 18 October the disk did not contain the calls from AJ on the 6 April as LBG had purposely withheld the information and not fulfilled the DSAR request.   A further DSAR request was made on the 18th October 2018 for transcripts of all calls between 5-7 April 2018. ***** received the transcripts on the 21 November 2018. Again a number of calls from the 6th April had been purposely withheld by LBG, with it being clear these calls did take place as the received transcripts had references to the calls.   22 November 2018 12.58 ****** made a further DSAR request “Please find attached the information request for all calls from 2 April – 7 April 2018. If transcripts of all calls are not received this time it will not look very good in court when the phone records are produced.”     Notes on LBG files 21 June 2018 added by Harvinder Garcha. “At final response stage we upheld the complaint and gave the customers the benefit of the doubt in relation to the issue of the correspondence address” This shows LBG had made mistakes meaning mortgage account number 50000081506785 is voidable.   Notes on LBG files 28 Sept 2018 Ian Write added notes to say he had spoken to Toby from FOS and had told Toby “that he had review UFSS and having reviewed there were no notes or calls between 2009 and 2018. This was an attempt to hide information from FOS   17 October 2018 after it had been proven the 13 November 2017 calls existed LBG then sent the calls out on disk address to Thomas,  Ben Whitehouse also added a note on file this day saying “customer is still waiting on the signed paperwork of the mortgage account” This shows LBG had made mistakes meaning mortgage account number 50000081506785 is voidable.   On the 08 November 2018 ***** made a DSAR’s request via e-mail the request read “Please supply a list of all products that have been held by myself stating the start and end dates along with the registered address and change of address with dates for the life time of the product.” This DSAR request was never completed by LBG. LBG have withheld this information purposely as it shows LBG did have ****** and ******* correct address of *******.    Credit card issues ******* This is a breach of the data protection act 1998 concerning receiving credit card statements on numerous occasions over a 5 year period for a third party and also none compliance of a SAR request.      We first of all received credit card chasing letters for a ****** relating to none payment of a Halifax credit card at our home address ****** back in 2014, we called the bank and where told just to return saying not know at this address, we did this for about 5 months but nothing happened although we had called many times and returned all letters. Eventually we raised a formal complaint the bank apologised and we stopped receiving the letters.   After this we thought nothing of it until 2018 when we started to receive credit card statements for ******. We called the bank and wrote many letters / e-mails by now I knew all of ******* credit card history and that ******** again hadn’t paid his card which worried us as it could black list our address. We questioned the bank as to why we had received the statements to which we had a reply that this was due to a migration of systems. and then at a later date Lloyds banking group decided due to implications with another case that they hadn’t said this and that the reason we had received the statements was due to a block on the card had been accidently removed. This of course is not the truth as if a block was simply on the card how did ****** receive new credit cards. We knew this as the statements showed that ******** between 2014 and 2018 had received new credit cards.   A DSAR request was made in November 2018 to receive transcripts of the calls concerning the credit cards and that we had been told it was due to system migration and although proof the calls had been made no transcripts have been received although on the 14 November 2018 Marin Beckwith did acknowledge calls had been made.   LBG did not report this data breach to the ICO.     Further mistakes with mortgage account number ********* The customer created date on the mortgage system is 01/01/1957 as listed in the documentation as part of DSAR’s made. In 1957 nor ****** or ******* had been born thus being a mistake made by the party offering the contract. 27 March 2018 Ben Taylor e-mailed ****** and stated “I have tried to call you today on the number you provided ********** but this has come back as an incorrect number. This is a mistake made as LBG have spoken to ******* on this number many times and included it in DSAR documentation, this is still ********* telephone number.     Conflicts of interest   A number of requests have been made to LBG for the conflicts of interest policy including DSAR requests however this policy has never been provided and it does appear LBG do carry out many conflicts as listed below   March 2018 a complaint was made about the rudeness and attitude of Wendy Zeal, to the directors and senior managers in LBG, this complaint was given to Wendy Zeal to reply to. This is a conflict of interest.    In October 2020 an official complaint was made to LBG about Sarah Harrowsmith, this complaint was given to Sarah Harrowsmith to respond to       Not all items on file have been discussed above, with all issues between March – November 2020 also left out at the moment however there is relevant evidence which outlines that mortgage account number ********is voidable on the following grounds, Terms breached, mistakes made by party offering the contract, misrepresentation, and fraudulent (omitting / falsifying facts or information). LBG have also acted fraudulently to cover up mistakes made, whilst also not disclosing / purposely withholding and altering information which should have been included in DSAR requests. The above examples also highlight offences by LBG under the fraud act 2006, Can we please remind you this is a criminal offence and that the company officers will be liable to be charged with the offence as well as the company. We would also like to remind LBG that they will be liable for all legal costs ******* and ********* occur moving forward.    
    • Thought I'd give this a bit of a bump, car cash point now refusing to reply to emails, complaints or return calls. Also refusing to supply me with a copy of the default notice, the sar and refusing to acknowledge the fact that they are duty bound to place an account on hold for 30 days when I am in discussion with a debt help organisation.    Bit the bullet and rang chartsbridge. They've placed the account on hold whilst I speak with the debt advisor etc...bur here is where it gets interesting...    They contacted ccp who were quick enough to reply to them, despite ignoring me completely. Ccp stated to them that they weren't willing to negotiate a settlement as the account had been in default since last February... The default notice wasn't issued until late August!!!    Chartsbridge now refusing to answer requests for details of the default notice they were supplied with.... Something stinks!! 
    • So I sent a SAR and CCA to Lowell and the Halifax.  I am awaiting the result from the Halifax who say it could take until March. Lowell provided me with exactly the same documents as before and completely ignored the CCA request. When I informed them that they had failed to provide what I had requested their response was to issue me a  County Court Claim for an account number bearing no resemblance to the paperwork they have in my name.  Happy days.......
    • may not will..read it carefully.   snotty letter time.   in this very same forum for exactly the same place there is one from yesterday.
    • Goodmorning   I hope everyone is well and thanks to everyone so far for their advice   Just about to submit SA online   wanted to check a few things please   1. for my fuel mainly, lot of the receipts have faded and i use my internet bank statements for evidence of fuel etc. For example if I wen to BP petrol station, and filled up £40, it would show up on my bank statement and thats my evidence. If i do buy a coffee whilst there, I tend to pay separately, thus keeping the fuel payments e separate. i thn aportion 60% of the fuel cost to business, as ~40% i for personal use.     Therefore, is this method of keeping records acceptable to HMRC?       2. on the online SA form, there is a box for signature. if Im submitting online, do i have to sign that and if yes, how?   3. NIC2. It asked if i had profits over ~£6,500 ( cant remember exact figure). Thats a yes. So next was if i wanted to give NIC2. When I choose yes, a red message error comes up preventing me from proceeding. Only when I enter 'NO' onto the NIC2 that it allows me to contribute. Does that mean the system thinks I shouldn't pay NIC2?     4. Last year, on the SA of 18-19 ( that my acct had done for me and submitted), I ended up making an overpayment of £800 by 31/1/2020. I also made the first payment on account for 19-20 of half that amount , ie 400.   in this years return, im asked if theres any underpayment or underpayment from previous years. hen I enter the overpayment, again i get a red error message which stops me proceeding with the form. Only when I enter, 'NO', meaning theres no over or underpayments , that the online portal allows me to proceed with my SA application. In effect it means for this year I will have to pay what i owe, without taking into consideration that I had overpaid a ttal of £1200 ( 800 + 400), last year. How can I address that please?
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Unplanned Overdraft Charges


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Just a quick question, before I ring LTSB tomorrow.

 

I've had an account with them for a few years and never had any problems with charges, but at the end of January had some problems and went into an unplanned overdraft. They won't give me a planned overdraft (fair enough) but were happy enough to authorise an unplanned one, with all the fees that go with it.

 

On the 20th of January, I went overdrawn by £74.99

I repaid all of this on the 17th of February.

Over the 27th-29th of February, they again allowed me to go overdrawn by £50

On the 1st of March, they pushed my account to £134.14 overdrawn because of the added charges. I naively assumed these were charges from January and February

I then paid in the money to cover all this on the 19th of March

On the 1st of April, they charged me again taking me overdrawn by £87.91 - I repaid this the following day

 

I had assumed (wrongly as it turns out) that the charges on the 1st of March were for Jan & Feb, and the charges on 1st of April were for March. I have today (yesterday actually) been charged another £95.95 which I now realise is for March.

 

I don't have the funds to pay this off until the 19th, so it means again next month getting almost £100 of charges.

 

Is there any chance they'll either write off these fees based on my misunderstanding, or even just freeze the charges so I can get myself back into a decent position? I also think it's incredibly unfair they decline me an overdraft of £50.00 but then allow me an unplanned overdraft of £49.99 which has now cost me £271 approx (plus the further cost of charges to follow next month).

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