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  • #1

    Lloyds Playing Games!

    Everyone should keep an eye on their Lloyds bank accounts. No payments have been made since 2010; today an annual statement has arrived showing a payment of £18 from last year. I know that no payments have been made so I will be finding copies of the relevant bank statements to cover myself. This is for an overdraft of £6,000 which hasn't been used since 2003. Although I haven't requested anything from them a SAR has shown lots of agreements for increasing the OD limit, but this was exceeded which I believe means that the terms were breached by Lloyds.

    since I baffled RW this has been quiet.

    Having quickly checked my records ..... The last payment to this was September/October 2008 when they failed to supply a CCA, even though I now know I made a request under the wrong section of the act!
    Last edited by cymruambyth; 4 March 2014, 00:06.
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.
    Tags: account, accounts, act, action, bank, bank accounts, bank statements, barclays, breached, cause of action, cca, claim, compensation, court, court claim, current account, eye, failed, fos, lloyds, mat, niddy, october, overdraft, paid, payments, sar, statements, wrong, £50
  • #2
    Re: Lloyds Playing Games!

    Thanks for the heads up Cym... I had a LTSB current account with overdraft.

    If the last payment you made was September/October 2008 it should be SB late this year.
    Let your smile change the world but don't let the world change your smile

    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #3
      Re: Lloyds Playing Games!

      It doesn't matter what is paid in. The ONLY things to affect SB are

      1. A cause of action (court claim);
      2. Direct acknowledgment by you;
      3. Payment to the account - authorised or made by you

      ok....?
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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      • #4
        Re: Lloyds Playing Games!

        Thanks Niddy; I haven't made payments, just concerned they may claim £18 payment was from us! 1stC once tried that when the payment was from Barclays after FOS told them to pay £50 compensation for failing to supply SAR.
        I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

        If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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        • #5
          Re: Lloyds Playing Games!

          But it's for them to PROVE you paid it in - they'll not be able to will they
          I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

          If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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          • #6
            Re: Lloyds Playing Games!

            Ah, I see, sorry I'm used to the idea of proving innocence, if you see what I mean!
            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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