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Lloyds bank and daughter

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Hi Guys


More money problems in our house :-/


My daughter has a lloyds tsb problem


She was laid off from her last job on 5.7.13 and she got a new job and was due to start on 5.8.13 she is a nursery nurse so had to have a new DBS check (crb) the problem is it is not back yet to this day therefore she can't start work she did go on 5th August but they sent her home


Anyway se has a bank loan with lloyds which isn't a problem never missed a payment so they have said she is due a "payment holiday"


The first problem is credit expert they charge her card 14.99 a month she has cancelled it twice they have emailed back saying thanks for your cancellation please ring us she emailed again saying I don't need to ring please cancel and they sent the same message back they are continuing to charge her account making her overdrawn


At present she is £48 overdrawn in credit expert and bank charges she rang the bank this morning they have waived charges due to go out on 1st oct she has another £10 going out tomorrow which they won't waive they also say they can not recall credit expert she needs to contact them


My question is what can she do? We have no idea when she will start work therefore no idea when she will be paid can they continue to over draw her with bank charges and then charge her bank charges on bank charges if that makes sense


Thanks guys all help appreciated

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Was this set up on a debit card regular payment? If so she should DEMAND the bank ceases all payments to CE and makes charge backs on ALL the payments taken after her cancellation.


The FSA has ruled the banks MUST do this.

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Hi Brig


Yes it was indeed a debit card payment the bank initially told her they were due to take yet another payment on 27th sept and she said I have cancelled it though he told her there was nothing he could do until she spoke to CE


after a while he agreed to stop the 27th sept payment from going but claimed he could do nothing about payments already gone


Thanks for your reply

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I guess it's down to 'insisting' very loudly if necessary that these payments are reversed immediately, tell the bank to refer to the FSA statement on recurring payments.



Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Hi guys


Daughter not having much luck with bank


She also has a bank loan with them I never mentioned it in my first post because when she spoke to them yday they sed she was eligible for a "payment holiday" she just had to ring today to sort it


Now she's been told she not allowed a payment holiday and they have took this months payment of £60 out of a overdrawn account and they are saying there is nothing they can do



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Hi M&M,


Did you write to the bank to insist that the CPA to Experian is cancelled, and asking for payments made since the cancellation to be returned immediately.


If YD is having Financial Difficulty, the bank has a duty imposed by The Lending Code to consider refunding default charges and stopping any further charges and interest being debited from her a/c.


See here - http://www.consumeractiongroup.co.uk/forum/content.php?557-Letter-for-an-application-for-consideration-for-hardship



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