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Account closure help required!!!!!


doco1507
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Hello board,

I have recently replied to Martineau Johnson who act on behalf on Lloyds TSB, accepting their offer of £1,493.23 in bank charges. The terms of condition being that this will be full and final settlement of my case and that we are bound by the terms of the letter, including confidentiality.

This is a business account.

 

I have since learnt, through my business manager that Lloyds TSB will be writing to me giving me 30 days notice of closure of my account.

 

I will be writing to Lloyds TSB claimimg that any such action would be done so as retaliatory action after taking lawful process of the court systems to settle a disagreement between myself and Lloyds TSB.

 

Has anyone else followed the same procedure, and what should I include/not include in my letter?? Should I, and how do I seek an injunction to prevent the bank closing my account??

 

Any help would be greatly appreciated, as I am a complete novice and do not want Lloyds TSB to close my account.

 

Thanks in advance

 

Steve

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I have had full refund of my business account charges, and LloydsTSB kept the account open, however I opened another account anyway.

I went to Alliance & Leicester - they have much lower business charges, or free banking depending on amount deposited. You can apply online, so no meetings!

Not an answer to your question, but hopefully a way out!

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Firstly thanks for both replies.

 

I have a £2000 overdraft, so would prefer to keep this account open. I have not received notification of closure yet but I have been told verbally by my account manager.

 

I was hoping to draft a letter of response today in preparation for the inevitable.

 

thanks again

 

Steve

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I think I will take your advice and open a new account but also send a letter of complaint.

 

I will let the board know how this proceeds incase anyone else gets the same response.

 

Thanks again...

 

Steve

 

PS - If anyone else has experienced similar tactics please let me know. Any help would be greatly appreciated.

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Hi there

my friend is having the same trouble at the moment except they havent made an offer, they are just threatening account closure! he also has a 2k overdraft!!

hope you sort this out.

BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06

Clydesdale Financial Services - Gave them their chances off to court we go!

HSBC - Watch out I'm coming after you next!

 

If you like anything I say click the scales!

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Hi,

 

I recieved a 'closure for commercial (thats commercial not comical ) reasons' last year from a 'gnome' at the HSBC. I had my parachute fully deployed at this stage, so swapped accounts over. A few months later I put in a complaint to the financial ombudsman and requested compensation. I recieved £ 125 Wahoo. The HSBC letter said it was NOT meant to be a retaliatory action. ( Dont believe everything u read eh )

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I too received a letter last night from SCM saying that i am requested to contact my bank (lloyds) within 14 days "to review your accounts. A review may be useful to consider whether your current banking arrangements are the most appropriate for your needs."

 

They have not mentioned giving me the money that i am claiming. My court date is 26th July 07. Help!

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Hi,

 

I have now recieved a letter saying that they will pay in full (it would appear that they were sent out in the wrong order hence my previous post). Could i have some clarity around crossing out the T&Cs. My letter is two pages long and has 5 points outlining why they are not accepting they have done anything wrong and then a second page telling me how much they are prepared to pay me back and the terms of that payment. Am i correct in assuming that it is the 7 points outlining the terms of payment that i cross out but am not on other posts other than "cross out the t&cs and send it back".

 

I would really appreciate some clarity and then i can add myself to the WON list!

 

cheers.

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Hi,

 

I have now recieved a letter saying that they will pay in full (it would appear that they were sent out in the wrong order hence my previous post). Could i have some clarity around crossing out the T&Cs. My letter is two pages long and has 5 points outlining why they are not accepting they have done anything wrong and then a second page telling me how much they are prepared to pay me back and the terms of that payment. Am i correct in assuming that it is the 7 points outlining the terms of payment that i cross out but am not on other posts other than "cross out the t&cs and send it back".

 

I would really appreciate some clarity and then i can add myself to the WON list!

 

cheers.

 

Hi

You could send a letter similar to this link:

http://www.consumeractiongroup.co.uk/forum/barclays-bcard-woolwich-successes/48032-jakena-barclays-4.html?highlight=acceptance#post718754

 

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Hi Doco1507,

I too have had notification from Lloyds TSB that they will be closing my account on 13th July. I have lodged a formal complaint with the fos however there is nothing that can be done to stop them closing my account. Fortunatley I had no borrowing on this account so it has only caused me a minimal amount of trouble but I have opened another ccount elsewhere. In fact it has cost Lloyds more than it has cost me as I'm also moving all my isa, pension & insurances etc etc

I would take heed of the early warning & shop around for new bankers as they have to give you 30 days notice of closure in writing .

I spoke with my business advisor who said it was being closed purely because of my claim.

I look forward to spending my £125.00 compensation when itarrives!!

I HAVE ALL THE MONEY I'LL EVER NEED - IF I DIE BY 4 O'CLOCK THIS AFTERNOON!!:-|

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