Jump to content

I am not a sort code i am a human being

Recommended Posts

I have just joined the site and could do with a few pointers. Over the past four years i have paid out well over 2k in bank charges to Lloyds at £35 a time. I spoke to the bank many times but was always told there was nothing they could do. Month by month things got steadily worse resulting in paying out £350 in charges in one month. Up untill then i was regularly sent new cheque books and allowed to use my debit card. I again went into the the bank to discuss things (begging for help) but again was fobbed off with a phone number to ring regarding the charges. I rang the number and within minutes was accused of fraud told to return my cheque book and card and told all charges would apply. I promptly did so (although a few days later a new cheque book arrived!!!!!!). The charges for that month meant i couldnt pay my mortgage (also with Lloyds) and eventually resulted in financial nightmare. I pleaded with the bank that i had been with them for 19 years and up until 4 years ago due to a serious accident had never asked for anything. Well seeing as loyalty counts for nothing and now knowing what they have done is illegal i could do with a little help on were to start. :D

Share this post

Link to post
Share on other sites



I don't want to simply fob you off right from the beginning, but could you please read the FAQs which have been written so far. Then also have a ook at some of the other things written on the forum. Whe you have done this you will have a btter idea of the situation and then we can start to deal with your questions which might then be a little more specific.


I'm asking you to do this because much of what you need to know has been dealt with here. We are only a small gorup of people and it takes a lot of time to go through it all from the beginning.


However, you can be certain that we have a ot of expereince dealing with Lloyds and can say that you are likely to get a lot and hopefully all of your money back.


One thing you must do is get an accurate idea of what you are claiming.

If you don't have all of you bank statements for the last 6 years then arrange to get the from the Bank on Monday.


But for now please read through the forum and then come back here.

Share this post

Link to post
Share on other sites



Look at the date - first ever post in the LTSB forum and the advice from BF still applies

Share this post

Link to post
Share on other sites

It's amazing how some things never change.

Share this post

Link to post
Share on other sites

Pity the OP only seems to have the ONE post though.


I sometimes wish that there was a way to find out whether some Posters had continued their Claims under their own steam and had changed their lives for the better.


Perhaps it's just me, but when people stop posting mid-claim I imagine the worst

...i.e. Earthquakes/Plague/War/Divorce/Illness etc etc


For some Posters, U just know it's NOT cos they have miraculously found all the right answers to carry on their Claim themselves without further assistance and/or encouragement...:(


I must be getting soft??...:-?

Share this post

Link to post
Share on other sites

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Share this post

Link to post
Share on other sites
Please fill in your quit date here
This topic is now closed to further replies.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 9 replies
    • I am new here but very glad to find my way here and would welcome any input.
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
      • 42 replies
  • Create New...