Harrasment from Lloyds

[Harlequin_uk]

Hi , im not sure if this is teh correct place to post this , please forgive me if its wrong!

 

im overdrawn with lloyds - now this isn`t teh issue

 

 

they have phoned 15 times since teh 24th august and written 7 times as well , my wife and i are sick to the back teeth of the near daily calls or letters from them

 

is there anything i can do to stop it? its getting upsetting now as to who is actually ringing on the phone.

[GuidoT]

See this, it should soon stop:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

[John72]

I suspect it isn't the right place (unless part of the overdraft includes unauthorised overdraft fees etc?) but nevertheless I guess you are still looking for help.

 

The way the "Collections" departments of most banks and credit card companies work is by applying pressure (by telephone and post) to get the debtor to agree some form of repayment schedule - but without that getting to the point of harrassment; in many cases there is a very fine line between the two.

 

The bottom line is that if you do actually owe the money to the bank they are entitled to look to you for repayment of that and in the absence of agreement, they will instigate court action against you. To avoid that, and depending on your financial circumstances, it might not be a bad idea to actually talk to them to see if some acceptable arrangement can be reached?

 

John