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Lloyds Banking Group - ** Successful outcome - refund of charges **


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Quick One

 

Story; £2500 worth of Bank Charges taken between 2007 and 2011. Want to reclaim based upon financial hardship.

 

Was with Lloyds TSB. Left before the split.

 

Been told account was moved to TSB, but Lloyds banking group as an entity imposed the charges.

 

Who is responsible for a refund now?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi Fk,

 

The Lending Code gives guidance on how banks treat customers who are in Financial Difficulty. See the letter here - http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty

 

Experience suggests you will not get a refund of older charges as the bank is not duty-bound to do this.

 

But they are obliged to consider stopping default charges and/or interest once they become aware of your Difficulty AND there is lending involved like a loan or an overdraft.

 

:-)

We could do with some help from you

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Ladies and Gents

 

1 x Refund of £969 today into my Nationwide Account :)

From Lloyds after 3 years of hell :p

 

Will write up my story shortly.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Excellent news. I will amend your thread title to reflect your successful claim :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Excellent news. I will amend your thread title to reflect your successful claim :)

 

Can you amend the title to "Lloyds Banking Group Reclaim?"

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Okay so here is the deal.

 

For years now, I have been fighting Lloyds on their £2500 that they took from me while I was young and nieve. Im now 26 and a bit more wiser with everything that is going on around me and thanks to CAG, ive finally managed to put a lid on a 8 year battle with Lloyds.

 

As off today 15/07/2015 - I have been refunded £969 worth of charges against the value of the full amount taken. But also had 2 delinquent accounts written off with one being removed completely due to this whole Fiasco.

 

Now, I will explain my story in the hope that it will be useful to anyone who is planning to make a claim.

 

Back in Sept 2007 I came back to the UK after living abroad for 4 years, I joined Lloyds in Sept 2007 when I got my first full time job with a £50 OD Limit. Now during the 6 years I was with them, I fought with them constantly about whether these charges were fair to my circumstances and eventually ended up dealing with their Customer Support Unit.

 

I was working on Minimum wage for a good amount of those years and also became a student at one point up until Dec 2010. Now through 2011 until May 2012 I kept fighting with them over the treatment that they had shoved onto me and it Was noted that I had become a tough nugget to deal with over the phone towards 2011. So much so that CSU decided to stop talking to me when I wanted to chase a few things up historically with them.

 

Eventually when it got to May 2012, the account was written off after I made a major argument that the account was defaulted unfairly and that due to the treatment, it should be written off. And so it was.

 

Now role on, During May 2012 I have challenged the charges that had occurred in line with the fact that they had caused me financial hardship. However this was thrown out. Now over the next 3 years numerous events occurred. I have sent 4 SAR requests in the last 3 years to get some Statement etc and notes for my record. And every single one has gone missing whether its been sent through Branch, or Post. As you are aware Lloyds Group Split from TSB and become 2 separate entities. I kept being told that the account had been transferred even though it had been closed. TSB kept telling me that the account had remained with Lloyds. I had this argument with them for 2 years and still didn't find out who it was with until 3 days ago.

 

Last week, I sent an email to the CEO of Lloyds and the letter I received back was pretty poor. I had asked for a conversation regarding the charges and also about my Missing SAR request. I had made no mention that the charges were deemed unfair and also I had mentioned that Lloyds treatment for me was extremely poor.

 

So The letter I got back told me that the charges were fair and that they would not be refunding anything and that My SAR requests for this account hadn't been processed because the account had been moved to TSB because they had no history.

 

TSB sent it back saying that wasn't the case and sorry that they weren't able to help me. They said that they were happy to assist if the account was with them but sadly as they couldn't see any info, it means that the account had never left Lloyds after the split.

 

So I went back with all the info I had gathered on Monday and received a call today. I had emailed my circumstances on Monday from the time of the account till now and today received a phone call back and what I was told was hilarious in its own right.

 

My account had fallen into a "Technical Black Hole" :lol: where all the statements had gone missing and wouldn't ever be available and also half of the account note from 2012 had also gone missing / been transferred over to Lloyds. Luckily the advisor apologised for the issues they had encountered and they had taken everything into consideration along with all the notes and how all the SARs had gone missing. My view of the matter is that the ICO would have them for dinner for that for poor system management.

 

She also said that she was unaware that some TSB bound account were to remain with Lloyds and that she had noted it for future reference. As she had no statements she had to gone on a letter I had sent in with all the charges that had been listed.

 

She agreed to refund 8 Months worth of charges from my list and also agreed to credit me a further £20 for my 2 latest missing SAR requests. She noted it was due to me having been sent around the houses and also that there was a large amount of Financial Hardship present.

 

Thats £969

 

Hurrah! :smile: So it proves it is still possible to reclaim bank charges. :)

 

 

Can we put this in the CAG news Bulletin! :) I will also donate some dinero to the CAG Fund.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Thanks for sharing the history of this fiasco, fko - you couldn't make something like this up could you. I am pretty certain that you are not an isolated case either and it is hoped that others will see your thread and follow in your footsteps :)

 

I will see if we can make space for your story in the next CAG newsletter.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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