Lloyds bank complaint, can I recomplain?

[purplenora]

I had a Lloyds bank account, 2 actually. 

I'll try to be very brief with this..

 

I got into a mess with them giving me a huge overdraft. I was on a phone call to them explaining how, due to the charges I couldn't afford to buy food for my kids. They refused to help. I said you should never have given me the overdraft in the first place. This is literally all I said.

 

I didn't know until later, however they took this as an official complaint, and investigated it as such.

 

I received their final response, saying they'd done nothing wrong. But I still didn't understand that that was an official complaint. I read up about it later, and found out I should have then gone to the ombudsman. However, my 6 month time limit was just up. I phoned the ombudsman and they said they would have looked into it but wouldn't be able to as it was a couple of weeks out of the 6 months. I've sat on this for the last couple of years. They've sold the debt on to Link, and I'm just waiting for them to take me to court. 

 

I've been wondering though, I know I can't go to the ombudsman, but can I go back to Lloyds and complain about it again, then take it to the ombudsman? Or can I not go back to Lloyds because in their mind they've investigated it already?

[dx100uk]

you dont need to do anything 

when was you last use/payment?

 

an OD is notoriously difficult to successfully prosecute if its defended properly if mostly charges and they would never win anyway.

 

await if/when they ever send a letter of claim from kearns

till then totally ignore them as long as you've not moved since taking it out and never informed lloyds in WRITING of your current and correct address before the sale to link or since the sale. you MUST ensure always that any debt owners have your correct address from YOU in writing else backdoor CCJ is a risk

 

dx