Lloyds TSB - Fuming, Hopping Mad - Enforcement Notice

[cashin]

Pandora,

 

I had the same enforcement notice, just sat on it for a week or so. Then they sent a Default Notice, now I CCA request Lloyds, times up soon and all is quite. I believe they will default and accept my offer of £5.00 per month. Then I will go for refund of bank charges.

Don't panic Pandora, just play the game and watch your time scales. I am enjoying the game. Just one thing though set yourself up a basic account at another bank so no transactions go through Lloyds. Also don't phone them only communicate in writing. My creditors dont have my phone number and it is realy grinding them down as they dont like replying to my correspondance.

 

Regards

 

Cashin

[Pandora_nini]

Pandora,

 

I had the same enforcement notice, just sat on it for a week or so. Then they sent a Default Notice, now I CCA request Lloyds, times up soon and all is quite. I believe they will default and accept my offer of £5.00 per month. Then I will go for refund of bank charges.

Don't panic Pandora, just play the game and watch your time scales. I am enjoying the game. Just one thing though set yourself up a basic account at another bank so no transactions go through Lloyds. Also don't phone them only communicate in writing. My creditors dont have my phone number and it is realy grinding them down as they dont like replying to my correspondance.

 

Regards

 

Cashin

 

Hello Cashin, thanks for your post - I could afford to bring the overdraft back down to the limit (have refused to do this before now as it's only their charges making it go over - in fact whole o/d is made up of their charges Have just done it to stop any default - don't need the hassle of trying to get another one removed right now!! Anyway, sent of my prelim to them - if they try it on again, the accounts in dispute.

 

I agree, the wind up back to banks is very satisfying - having suffered months of abusive phone calls, demanding letters, etc even after I have tried to resolve things with them (Lloyds, MBNA, Barclaycard).

 

Good luck with yours.....

 

Take care

x

[passivenomore]

I could afford to bring the overdraft back down to the limit (have refused to do this before now as it's only their charges making it go over - in fact whole o/d is made up of their charges

 

Hi Pandora... I think this is the best thing for you to do. You've been hammered time and time again with charges, for which you would otherwise have been able to keep on top of things. However, refusing to bring the overdraft within it's limit is just playing into their hands.

 

Far better to take action, get your money back & hit them that way!!

 

You're doing fine so far... and you'll be supported all the way.. go girl!!!

[Pandora_nini]

Hi Pandora... I think this is the best thing for you to do. You've been hammered time and time again with charges, for which you would otherwise have been able to keep on top of things. However, refusing to bring the overdraft within it's limit is just playing into their hands.

 

Far better to take action, get your money back & hit them that way!!

 

You're doing fine so far... and you'll be supported all the way.. go girl!!!

 

 

Hello Passive.... LATE post!!!!! Thanks for your support. I just had another letter from LTSB - kindly letting me know that another £43.00 will be debited from my account on 9th August - £30 o/d excess and rest in interest. Can I add this to my claim, and should I therefore send another letter to them telling them I am adding it to my claim? Will pay in enough money before 9th August to cover it - even if it makes me a bit mad!!

Just not sure how to handle getting this bit back.

 

Thanks

 

Pandora

[BARTY]

Hi

You can add on any charge up to the point of filing the Court claim, no need to let them know.

Good luck, keep us posted.

Barty:)

[passivenomore]

Hi Pandora...

 

Hello Passive.... LATE post!!!!! Thanks for your support.

 

Not a late post... it was an early post!!! Woke up in pain and knew I wouldn't go back to sleep, so thought... what could I do in the early hours??!!!!

 

I just had another letter from LTSB - kindly letting me know that another £43.00 will be debited from my account on 9th August - £30 o/d excess and rest in interest. Can I add this to my claim, and should I therefore send another letter to them telling them I am adding it to my claim?

 

This is a fine example of how the banks have penalised us all over the past years. It only takes one charge and it soon spirrals out of control.

 

To add to Barty's post... even if (& I do hope they don't) they add more charges after the claim gets to court, as long as you don't agree to their settlement terms, there is nothing to stop you from starting the whole process again!!! I've had one or two charges since I filed in court and I fully intend to claim these back once I've finished with my original claims!!!

 

Not sure if I'm being greedy, or I've become addicted!!!!!

[Pandora_nini]

Hi Pandora...

 

 

 

This is a fine example of how the banks have penalised us all over the past years. It only takes one charge and it soon spirrals out of control.

 

To add to Barty's post... even if (& I do hope they don't) they add more charges after the claim gets to court, as long as you don't agree to their settlement terms, there is nothing to stop you from starting the whole process again!!! I've had one or two charges since I filed in court and I fully intend to claim these back once I've finished with my original claims!!!

 

Not sure if I'm being greedy, or I've become addicted!!!!!

 

 

Greedy / addicted..... hmm, addicted I should think to getting back what's yours, and not being stitched up by a GREEDY BANK!

 

I will do as suggested, and will most definitely NOT be agreeing to any terms they try to impose on me.

 

Actually I think I am getting addicted to this - have started the process for my OH's A&L account - we've really struggled over the last few years, and deserve a break!

 

Hope the pain's gone, Passive, and it's not serious.

[Pandora_nini]

Just had a horrible thought - sent off my prelim letter, BUT, did one letter for both my accounts, and added the two lots of charges together - does this matter, or should I have done two separate letters?

 

Thanks

[nicsussex]

Are they both personal accounts? Did you quote both account numbers?

[Pandora_nini]

Are they both personal accounts? Did you quote both account numbers?

 

 

Hi, yes, both are personal accounts, and I quoted both account numbers on the letter, but put both amounts together plus interest on both accounts....

[nicsussex]

Can't see it being a problem then

[passivenomore]

Hope the pain's gone, Passive, and it's not serious.

 

Nothing serious... just sore throat!!! I think the packet of wine gums I consumed did it the world of good!!!

 

Just to add to nic's words of wisdom... interest shouldn't be added until you file your claim at the court, but in the scheme of things, is just a minor discrepancy and won't affect the claim.

 

Also, to keep your claim within the small claims track, the total of your claim shouldn't exceed £5,000. If the total for both accounts does exceed this, you may want to split the claims at the next stage.

 

Good luck with OH's a/c... hope you've started another thread in the A&L section??!!!!

[fuzzywuzzy]

Pandora,

 

I had the same enforcement notice, just sat on it for a week or so. Then they sent a Default Notice, now I CCA request Lloyds, times up soon and all is quite. I believe they will default and accept my offer of £5.00 per month. Then I will go for refund of bank charges.

 

 

Cashin

 

You did this CCA on your overdraft,? so for your actual bank account?.

i did'nt think a CCA is applicable for a bank account or overdraft facility.

 

Would like more info if this is the case.

 

could change my situation alot!

 

Fuzzy

[Pandora_nini]

Had enough money in my account to keep balance under overdraft limit, with a view to paying in another £35.00 to cover their unfair charge from last month. Received a letter from Lloyds last week advising me that as there wasn't enough money to make a payment (nothing due to go out, have stopped everything), they would, unfortunately, have to charge me. Checked online, they reduced my overdraft balance by £34.00 (strange amount), just enough of a reduction to make me over the so-called new overdraft limit. They failed to advise me that they would be reducing my overdraft balance on a given day by any amount so I had no way of knowing that this was going to happen!

 

Anyway, two days later, I received two letters from them - each telling me that on 26th August my overdraft on my budget account, and on my current account would cease. This is of course, in my view, retaliatory action because I got my prelim charges letter off to them a few weeks ago (which they have not yet acknowledged).

 

I plan on writing to them complaining that this removal of my overdraft would cause severe financial hardship, and could they please review this decision - worth noting that both overdrafts are made up entirely of charges - and that my current account has a standard £250 o/d as part of the platinum account (I also pay a monthly £15 fee for this priviledge). As my current account has been fine, I don't know why they are removing this overdraft other than to be difficult and obstructive. :evil:

 

In view of the fact that I only have a couple of weeks before they take away this overdraft, should I complain to the FOS/OFT about their behaviour at the same time, or wait from a response to Lloyds?

 

Worried that they will remove overdraft, demand immediate payment, and when I can't pay send an enforcement notice and then default me??

 

Any advice would be appreciated

 

Thank you

 

One worried Pandora_nini

[McIavelli]

Absolutely scandalous behavior on your banks part ; I'm sorry Pandora, but I'm unable to offer any meaningful advice but at least this post will serve to bump your problem up the thread so someone a little wiser than I can step up & help you. I'm sure you have more than a leg to stand on against this kind of treatment & the CAG heavy artillery will be along shortly to give them a broadside.

 

Best Wishes

 

McIavelli (I'm not that devious really)

[passivenomore]

Hi Pandora...

 

Looks like Lloyds are really turning the screws on you now. It's making my blood boil just reading about it!!!

 

Firstly, do you have a current account elsewhere? If not, I think it's time you did... as a matter of urgency. LTSB clearly don't value you as a customer and with tactics like this, I think you'd be better off without them.

 

Secondly, there's no need to wait for a reply to prelim letter. After 14 days your LBA should have gone out. Again, this is important because as soon as you file your claim in court, the account is then in dispute.

 

As far as who to complain to, I would suggest the FOS. As it's not directly a bank charge issue (and with their recently lightened workload!!!), I see no reason why they won't act... and quickly.

 

If you can get to stage where a/c is in dispute, you're not using the Lloyds accounts (any of them!!) and the FOS are active... hopefully, they will stop charging you, you can pay back what you need to close the a/c's, then claim back ALL charges AND interest as planned.

 

I know it's easy to say and harder to do, but I would suggest it's the best way. As always... I stand to be corrected if anyone knows any better!!!

 

Hope you & OH are well!!!

[broke dave]

Subsribing.

 

Having thought I had them, they have now started funny tactics. Will post later - time for tea.

[McIavelli]

Hiya Pandora,

I stumbled across this link; http://www.consumeractiongroup.co.uk/forum/general/14893-fsa-position-account-closures.html

 

I hope you find it useful

 

Best Regards

 

McIavelli

[Pandora_nini]

Hi Pandora...

 

Looks like Lloyds are really turning the screws on you now. It's making my blood boil just reading about it!!!

 

Firstly, do you have a current account elsewhere? If not, I think it's time you did... as a matter of urgency. LTSB clearly don't value you as a customer and with tactics like this, I think you'd be better off without them.

 

Secondly, there's no need to wait for a reply to prelim letter. After 14 days your LBA should have gone out. Again, this is important because as soon as you file your claim in court, the account is then in dispute.

 

As far as who to complain to, I would suggest the FOS. As it's not directly a bank charge issue (and with their recently lightened workload!!!), I see no reason why they won't act... and quickly.

 

If you can get to stage where a/c is in dispute, you're not using the Lloyds accounts (any of them!!) and the FOS are active... hopefully, they will stop charging you, you can pay back what you need to close the a/c's, then claim back ALL charges AND interest as planned.

 

I know it's easy to say and harder to do, but I would suggest it's the best way. As always... I stand to be corrected if anyone knows any better!!!

 

Hope you & OH are well!!!

 

Hello Passive, thanks for your post! Support much appreciated. I have an offset mortgage with all the current account facilities I need, so that's already in place, just wanted to maintain my other current account with Lloyds in case I needed in a mortgage move - Just can't afford to repay them the overdraft which is all their charges. I will do exactly as you say, and complain to the FOS about it - will also get my LBA sent to Lloyds - quite happy to spend the money getting it into court to put the account into dispute. I think the thing that is really making me mad is that if they had told me that they were planning to reduce my overdraft limit gradually, ie by the £34 a month or whatever, then I would keep the o/d under the limit by paying in a small amount each month - but they haven't - so I think they are trying to precipitate things by purposefully making it difficult for me. Will be working on that complaint tomorrow at work so I can get it sent to FOS asap.

 

OH is in deep trouble tonight - told me he'd racked up over £500 in account charges with HSBC over the last few months because he hadn't kept an eye on his account (and this is after I sorted it all out for him) - apparently someone at HSBC mentioned to him about the OFT case and that he could just start a claim straightaway to get all his charges back - me thinks that not even the banks know what's what anymore! Anyway, he's gone off to bed with his tail between his legs - might get breakfast tomorrow, or he might not - I am SO mean!

 

Glad to see you are going after them for your business charges. I had a business account with them, and they wrote to me offering me charges back...... if you want a copy of their letter to me, let me know - never know it might be of use.

 

Take care

[Pandora_nini]

Hiya Pandora,

I stumbled across this link; http://www.consumeractiongroup.co.uk/forum/general/14893-fsa-position-account-closures.html

 

I hope you find it useful

 

Best Regards

 

McIavelli

 

Thanks McIavelli, I will read through this in detail tomorrow, am going to complain all round about Lloyds behaviour - it's outrageous. I think this is exactly the sort of thing that we should be complaining to the FOS about - bully boy tactics whilst this test case is going on. It might help to sway their review in two months time. Or maybe I am just barking up the wrong tree!

 

Take care

[McIavelli]

I wouldn't be barking up Lloyds tree if I were in your shoes..I'd be cocking my leg

[passivenomore]

Hi Pandora...

 

I have an offset mortgage with all the current account facilities I need, so that's already in place, just wanted to maintain my other current account with Lloyds in case I needed in a mortgage move - Just can't afford to repay them the overdraft which is all their charges.

 

Whilst I'm entirely sympathetic to your situation and understand that why should you pay off an overdraft entirely made up of bank charges & the fact is LTSB are behaving dispicably... with threats of EO and CCJ and reducing your overdraft to penalise you with further charges, can you afford (financially and mentally) to let them have control of the situation? The only way you can regain control, is to put the a/c in credit. As we are unsure how long individual claims will take to settle now, the only short term solution is to bring a/c back into credit. If you want to move your mortgage, you can always open another a/c nearer the time.

 

I will do exactly as you say, and complain to the FOS about it

 

Good move as they be able able to sort the situation quickly by pressuring the bank to repay some of the charges and/or stop any further charges. No guarantee timewise here either though, which is why I suggested above action.

 

- will also get my LBA sent to Lloyds - quite happy to spend the money getting it into court to put the account into dispute.

 

Good move. Remember, 14 days after LBA, you can file your claim with the court (regardless of wether bank have replied or not).

 

I think they are trying to precipitate things by purposefully making it difficult for me.

Unfortunately, they are like vultures, picking on the very people who just need a bit of understanding. Instead, they just pile on the pressure (very close to home for me here!!!).

 

OH is in deep trouble tonight - told me he'd racked up over £500 in account charges... Anyway, he's gone off to bed with his tail between his legs - might get breakfast tomorrow, or he might not - I am SO mean!

 

I have a sharp pair of scissors I could lend him... he might want to chop away at some plastic in his wallet!!!!!

 

Glad to see you are going after them for your business charges. I had a business account with them, and they wrote to me offering me charges back...... if you want a copy of their letter to me, let me know - never know it might be of use.

 

Did they offer you ALL your charges??? Surely not Lloyds??? SURELY!!! If you think it may help, I'd be really appreciative... thanks.

 

Take care

 

... and you!!!

[passivenomore]

I wouldn't be barking up Lloyds tree if I were in your shoes..I'd be cocking my leg

 

 

Hey Mc...

 

I notice you don't have the "I'm not that devious really" in your signature now!!!!

[Pandora_nini]

A quick update on my battle with Lloyds - I couldn't afford to pay off the overdrafts as they requested by the end of August, so I wrote them a letter, Including reference to all the complaints I had previously sent them and suggesting that the removal of my overdrafts would cause me real and severe hardship, which it would - I don't have that kind of cash floating about (unfortunately ).

 

I didn't hear a word from them until last week - and they sent me a letter thanking me for agreeing to a personal loan to cover the overdrafts - (the total amount of which is due to their charges!), and it's at a high rate of interest. I really don't want to take up a loan to cover these costs - wouldn't that indicate that I'm accepting them? Oh and they're suggesting I take out insurance on top - I think not!!

 

They still haven't acknowledged my letter to them regarding my claim for repayment of charges (which was sent before the OFT test case announcement).

 

I think this is all retaliatory action by them, and have drafted a complaint to the ombudsman.

 

They make me soooo mad!!!

[rh999]

Hi Pandora

 

just came across your post with interest, as i am in similar situation.

 

have o/d consisting of purely charges, and in middle of claim in court.

 

you probably know, but do not accept this loan under any circumstances.

 

tell them to swing for their money as you acct is in dispute.

 

because i am claiming i am getting letters and calls from the collections dept all the time, each time i tell them the acct is in dispute, and refer them to the solicitors ([problem])

 

have you put your claim into court yet?