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apocalypsedreams

Lloyds overdraft dispute, SCM solicitors

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Lloyds have sent a "formal demand" from SCM regarding an overdraft. In another piece of correspondence with Lloyds I demanded proof of my agreement to overdraft charges and received a reply that stated "we do not hold a signed contract as we do not have an obligation to do so". They are still adding charges and interest.

 

I am drafting responses now and am considering CCA and SAR requests. Advice is gratefully received.

Edited by apocalypsedreams

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waste of time

 

OD's are not covered by the CCA

 

SCM are lloyds

 

are you on benefits.

 

have you looked at BCOBS

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?353395-Letter-to-send-if-you-are-being-charged-bank-fees-whilst-on-benefits


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if the charges are since 2009 still unfair under bcobs

esp if they know you are in hardship

 

dx


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The charges are since 2011. Which part of the BCOBS are you referencing with regard to that? Is it:

 

Dealings with customers in financial difficulty

 

BCOBS 5.1.4

01/11/2009

Principle 6 requires a firm to pay due regard to the interests of its customers and to treat them fairly. In particular, a firm should deal fairly with a banking customer whom it has reason to believe is in financial difficulty.

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