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Lloyds TSB Overdraft
Account – Current Account opened before 2002
Overdraft Limit – 4k
Current – Default 20/10/2010
Default Amount - £4.5k
Status – No payments since March 2010
May 2009 letter sent to Lloyds requesting repayment of all default charges levied to account since 2002, also request it is dealt with at once due to my financial hardship. Total amount £3694
29 May 2009 Letter received from Lloyds “will respond within 4 weeks.........”
June 2009 received letter from Lloyds stating copy sent to collections team…… test case underway…
9th Sep 2009 sent to Lloyds explaining that “I have had no satisfactory response from May letter….I am under severe financial hardship…. I am no longer eligible for job seekers allowance…… am still being levied interest and further charges…..7 day response needed or will go to fos”
15th Sep 2009 Received from lloyds“we are very sorry to hear of your concerns……let me assure you your complaint is getting the attention it deserves….”
16th September 2009 received from lloyds “thank you for getting in touch with us again….we have updated our files to make a note of any further letters and additional points you have raised…..as explained in previous letter Lloyds tsb is currently involved in legal proceedings with oft…..
21st Sep 2009 Complaint sent to oft claiming charges do not reflect true cost etc and that I am experiencing financial difficulties
8th October Reply from oft. “we will now ask Lloyds for further info…etc”
October 2009 received from Lloyds “we are aware you have made a claim in relation to your overdraft charges which is currently on hold……you still owe us this debt…we will not make any further payments from this account…until resolved we have decided to waive further interest and charges and have decided to stopactively taking steps to collect the amount you owe for the time being….should we consider your circumstances have changed, or once your claim has been dealt with , we intend to actively start collecting again any amount you owe..
19th October 2009 from Lloyds “your complaint is about overdraft charges applied to your account and, as you are aware, most of these cases are on hold pending the outcome of the High Court test case. However as you say you are experiencing financial hardship we will now consider how the bank has handled this case… we have assigned your account to our dedicated hardship team…”
11 Nov 2009 Letter from Lloyds “we wanted to let you know that we’ve made all the payments that you arranged to come out of your account this morning. Unfortunately because there was not enough money in your account to cover all of them, we have agreed to provide you with an unplanned overdraft..
18 November 2009 from oft “your case has been referred to me … I am an adjudicator… I will look at both sides of the complaint etc
Note : goes a bit patchy here as head went in sand due to Cahoot loan and personal life issues.
From memory, fos did not agree that charges etc were wrong, Lloyds defaulted me on 20 Oct 2010
15th April Received letter HL Legal notice of pending legal action, 7 days… court action may be taken
ignored
30th August 2011 Letter received from Credit Security ltd “once again you
have ignored our letter”
9th September 2011 letter received from Credit Security Ltd “unless we receive payment/proposal by 23rd Sep 2011 a claim will be prepared….”
12th Sep 2011 Prove it letter sent
15th Feb 2012 Received by Robinson Way “our client has authorized us to recover the full amount you owe (4.5k) if you cannot pay in full call us to discuss payment plan….. if you do not we will advise our client to start court action”
What next! Any ideas! Thanks for listening x
Account – Current Account opened before 2002
Overdraft Limit – 4k
Current – Default 20/10/2010
Default Amount - £4.5k
Status – No payments since March 2010
May 2009 letter sent to Lloyds requesting repayment of all default charges levied to account since 2002, also request it is dealt with at once due to my financial hardship. Total amount £3694
29 May 2009 Letter received from Lloyds “will respond within 4 weeks.........”
June 2009 received letter from Lloyds stating copy sent to collections team…… test case underway…
9th Sep 2009 sent to Lloyds explaining that “I have had no satisfactory response from May letter….I am under severe financial hardship…. I am no longer eligible for job seekers allowance…… am still being levied interest and further charges…..7 day response needed or will go to fos”
15th Sep 2009 Received from lloyds“we are very sorry to hear of your concerns……let me assure you your complaint is getting the attention it deserves….”
16th September 2009 received from lloyds “thank you for getting in touch with us again….we have updated our files to make a note of any further letters and additional points you have raised…..as explained in previous letter Lloyds tsb is currently involved in legal proceedings with oft…..
21st Sep 2009 Complaint sent to oft claiming charges do not reflect true cost etc and that I am experiencing financial difficulties
8th October Reply from oft. “we will now ask Lloyds for further info…etc”
October 2009 received from Lloyds “we are aware you have made a claim in relation to your overdraft charges which is currently on hold……you still owe us this debt…we will not make any further payments from this account…until resolved we have decided to waive further interest and charges and have decided to stopactively taking steps to collect the amount you owe for the time being….should we consider your circumstances have changed, or once your claim has been dealt with , we intend to actively start collecting again any amount you owe..
19th October 2009 from Lloyds “your complaint is about overdraft charges applied to your account and, as you are aware, most of these cases are on hold pending the outcome of the High Court test case. However as you say you are experiencing financial hardship we will now consider how the bank has handled this case… we have assigned your account to our dedicated hardship team…”
11 Nov 2009 Letter from Lloyds “we wanted to let you know that we’ve made all the payments that you arranged to come out of your account this morning. Unfortunately because there was not enough money in your account to cover all of them, we have agreed to provide you with an unplanned overdraft..
18 November 2009 from oft “your case has been referred to me … I am an adjudicator… I will look at both sides of the complaint etc
Note : goes a bit patchy here as head went in sand due to Cahoot loan and personal life issues.
From memory, fos did not agree that charges etc were wrong, Lloyds defaulted me on 20 Oct 2010
15th April Received letter HL Legal notice of pending legal action, 7 days… court action may be taken
ignored
30th August 2011 Letter received from Credit Security ltd “once again you
have ignored our letter”
9th September 2011 letter received from Credit Security Ltd “unless we receive payment/proposal by 23rd Sep 2011 a claim will be prepared….”
12th Sep 2011 Prove it letter sent
15th Feb 2012 Received by Robinson Way “our client has authorized us to recover the full amount you owe (4.5k) if you cannot pay in full call us to discuss payment plan….. if you do not we will advise our client to start court action”
What next! Any ideas! Thanks for listening x
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