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Minnow vs. Lloyds TSB


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Hi all.

 

Just got my statements and printed a schedule of the charges, so I'm about ready to make the initial approach for my money.

 

One question: the account is held jointly with my elderly mother. Lloyds TSB already know that my mother is ga-ga and not in charge of her own finances, and therefore they send all statements and correspondence directly to me. Will I still need to get my mother to sign every letter I write, or should Lloyds be happy enough with my own signature considering they already know my mother's mental state? I was thinking about adding a paragraph onto the first letter, basically a bit for her to sign, saying that she is happy for me to take charge. What do you guys think?

 

Minnow

Minnow... a little fish taking on a shark!

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If it is a joint account then you can deal with everything yourself. If it is her account and you are acting on her behalf, then it would be worth doing as you suggest.

Alan, Derby, UK.

 

 

 

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Is this your mother's a/c, where you have authorisation/power of attorney

or is it actually a joint a/c, ie in both names where either of you can sign cheques

 

If the first, then you can sign as a Litgation Friend, who is someone who represents a patient or child, ie someone incapable of representing themselves.

 

If a joint /ac in both names, then either of you can sign the letters

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Thanks for the quick replies :)

 

It's a joint a/c where either of us can sign cheques etc. (Interestingly, mother doesn't have a card for the account - not that she could remember the pin - so I suppose I'm the primary holder.)

 

Ok, initial request is in the post tomorrow morning.

 

Thanks again.

 

Oh, I've addressed the letter to Gresham Road - is that ok, or should I address it to my local branch first?

Minnow... a little fish taking on a shark!

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  • 3 weeks later...

Just received Lloyds TSB's circular stating that these are not default charges because I haven't broken my agreement, and that they are charges for additional services.

 

About to send off the LBA.

Minnow... a little fish taking on a shark!

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