I am currently in a long queue for repayment of bank charges. Lloyds say I owe them £7000 on two accounts and have no doubt put a few default's on my credit file. As they owe me £13,000 in bank charges I have told them I'm not paying a penny till the court case with OFT is finished. Are they able to put defaults on my credit file even though it is in dispute?? Any help would be good?

Could I make a point If you go to an ATM and the bank refuses service you don't get charged. Though by the same mechanism via direct debit you do get charged for refusal of service. So, they are saying that, one refusal warrants a charge by way of DD, but another refusal by way of ATM doesn't. How does this work, with their T and C's? Madness, rip off runts

Small bit of print in The Times 13th March 09 yesterday noted how one customer recieved threats of court action over 4 pence. Lloyds sent a reply saying about how much the letter cost saying ' it is an automated letter system with minimal cost to ourselves'. So how do you justify £35?? as fair. If it's 2 pence (overdrawn) I bet the letter automation system does a cost analysis and says 'No. But 4 pence, and away we go. This should be evidence that the banks automated overdrawn letter printing systems are cheaper than 4 pence per letter. I used to work for the Woolwich in the print room, they used to zoom through at 3am. And off they go (that was 15 years ago) Taking the P.I.S.S

You are very correct, they had a monopoly and got greedy with us and with the markets. Problem is in the past if they didn't act this way they wouldn't be around today, they would of been bought out, with the finance coming from the likes of RBS etc The excuse for charges is thin as a piece of rice paper, and the banks know it. A refund would act as a perfect moral and financial stimulus to the economy, and would probably cost 2 billion max to those that claim. You can compare that to G Bush's 160 billion tax giveaway last year. lloyds tried to make me pay back a loan which was under what I was claiming in charges, they still hassle me to this day, and I say, take me to court then you ***ker's. Do they no, but they still hassle me all the time. Nice Charges nearly brought me down, even though I'm quite well off ish. All behind now but feel for everyone who encounters it. They don't talk about the spiral effect in court do they, which is a shame. The poorest get hit the worst and that is so wrong it is un-believable. I'll be updating my MP!!!

Good

In light of recent developments, how likely do you think the govt might want the OFT case to disappear for a while. As a win, would no doubt send bank stocks down (and we don't want that!!). On the flip side, a recession could bring the banks charges to a whole lot of new people (a few million more), so they'll be alot more annoyed people out there.

Did they offset any of your debts against your business account? Did they give 30 days notice of account closure?

My PPI was ticked FOR me in the two boxes. I tried to cancel it and was told wasn't possible....Lloyds lost that letter somehow!! They knew I was self employed. Do I have a reasonable claim?

They have now sent through a substantial set of data. Though they still argue that certain data is out of their hands. If they pass data on to another data controller shouldn't I be informed of who to contact if I want to get my hands on it? I'm not trying to be akward for the sake of being akward, but at times they make me feel like I'm acting that way. They don't make any effort in a very long letter to guide you to the other data controllers they talk about, even though they passed my data to them or someone did??? Mmmmm!!

I have got my SAR but they are saying that certain data needs an extra £10 per data controller. They pointed me at this - 7 Right of access to personal data (1) Subject to the following provisions of this section and to sections 8 and 9, an individual is entitled— (a) to be informed by any data controller whether personal data of which that individual is the data subject are being processed by or on behalf of that data controller, (b) if that is the case, to be given by the data controller a description of— (i) the personal data of which that individual is the data subject, (ii) the purposes for which they are being or are to be processed, and (iii) the recipients or classes of recipients to whom they are or may be disclosed, © to have communicated to him in an intelligible form— (i) the information constituting any personal data of which that individual is the data subject, and (ii) any information available to the data controller as to the source of those data, and (d) where the processing by automatic means of personal data of which that individual is the data subject for the purpose of evaluating matters relating to him such as, for example, his performance at work, his creditworthiness, his reliability or his conduct, has constituted or is likely to constitute the sole basis for any decision significantly affecting him, to be informed by the data controller of the logic involved in that decision-taking. Are they right, as far as I am aware there is one data control per company?

I might gain from your B&B experience, I only lose with my bank. They are clear cut winners what ever way you throw the dice. I don't get Fruity loops, I get a bill. I wouldn't mind if my oversights we're dealt with more understanding, however the present system favours the banks profit margin. Check this - bank manager advises me not to take out an overdraft because it will cost £100 to set up, stupid me, listens, then works out I'm paying around £300 charges per year. Duhhh!! I was brought up to trust the bank, that's gone.

Lloyds manage to lose anything that puts them in the frame. Just got SAR (proper) 361 days after initial request. My PPI was pre-ticked in 'do you want it?' and 'optional to add it to loan from start' Have I got a case as they have never sent a policy, I was told proir to this loan that to get a loan I would need to take out PPI. I've always been self-employed and Lloyds have always known this.

In response to the 'hotel theory' that you have to pay for your room. Quite right, however if the hotel charged everytime a person did not entered your room and prevented people entering your room and then charged you for the pleasure, you might get a bit poo'd off.

Well you can certainly let them know that they offered you an overdraft that wouldn't cover the whole amount coming out. They should of informed you of the charges a month before, and the cashier should of re-reminded you, as they are supposed to help not lead you down the garden path into hell (actually that is their job).

The only evidence I see is that, western economies who don't have their own oil supplies are tightening the taps on consumption. Nuclear power costs alot of money, as the building and decomitioning is very costly in ratio to power generated. The same applies across the board, when you factor in costs, oil stands above the rest as the best cost ratio for getting it and energy it creates, once it's gone you will not find anything that can do what it does. You dig a hole....and it keeps coming out, mostly on it's own accord. I don't discount global warming, but it's come (warming fever) at just about the same time we are talking about oil not being around for ever, ehhh!! spooky!!

Man made pollution does upset the planet...yes Man made bullshat upsets the planet also......yes Oil is a very powerful substance, and it has been cheap for many years. We have grown our economies on the pretext it will last for ever, our economists think it will (due to money creation) bring in a new dawn of other fuels or devices that will take over from it (oil). Nothing has managed to replace oil as an alternative (subsidy's don't last for ever). It is running low, but the world economy wants to grow! The goverments are sensible to encourage green living, but they aren't doing it for green living sake, they are doing it because we need to be slowly conditioned into a world where you can't waste energy. I agree with this thread, and that the damage if there is damage has already been done, further more China has only just started doing it's damage, and that is because we all like cheap goods, really we have just moved the factory from Burnley to China, without pollution safeguards. Capitalism was built on black gold, the next century will not be good

I want to hand over a complaint by hand, my daddy kins is not lording it up due to the fact we both have a understanding unlike the banks that in business it is better to get income while not ripping people off. So by freezing our joint account, I have no choice but to claim charges on the account. How should I wite a letter to the FOS regarding this, as they have penalised an innocent person?

Yes, it's known as retaliation, though my wife has never claimed charges, and they are freezing her money aswell as mine. They are not transfering it to the overdrawn account which might mean they haven't legal control over the funds in the joint account. Cheeky buggers When an account is in dispute are they allowed to punish families, no noification at any time, just made the account inactive. They are peeing up the wrong tree, my Daddy kins meets with head of FSA once every three months. I will be gettng together a list of transgressions, I already have an upheld complaint from the Information Commissionars Office, for failed SAR requests. What more can one do, they expect me to pay, but they can't even be bothered to show me why I should pay them. They won't take me to court (cause they can't), but they will attack my wife and family....nice people!! What the F!

The joint account has about £700 pounds in it. My personal account is overdrawn by about £3000, but I'm claiming £8000 in charges from lloyds. One day we noticed that Lloyds were refusing to pay DD's from the joint account, even though there was money in it. My wife went to the branch today to withdraw the money in the joint account and they said it had been frozen until my personal accounts overdraft is paid off.

No the joint account has less in it than the overdrawn personal account. I find it odd that they are able to take my wife's money as she has nothing to do with the personal account which is in dispute.

Lloyds have frozen my joint account held by my wife and myself. The account is in credit but they refuse to let us have any money as my personal account is overdrawn and currently held in the courts due to my claim for bank charges which exceed what I owe on the overdraft. Can they do this?

You arrived at a good spot. Banks are exempt from VAT on interest charged and for processing credit. This is where it gets nasty, by them charging when they are not processing credit i.e cheque bounce, DD denied etc , could land them in the poo. They are only exempt from VAT on the above, not on all the other charges which fall under additional services. Don't forget their new line of thinking>>>>>they are all services!! Can anyone confirm?

Oh My Oh My!! Nice!! Obviously the VAT man has all the paper work, or does he?

Yes it might look wrong, but I can tell when i'm diverted to another country call centre, and not to a British Asian working in this country. Might be the cracky line, or that somethings not quite right. What I do know is that, lots of British people lose their jobs to call centre staff far far away, because the company wants to save costs, and don't want you complaining.....what better than to put someone on the other end of the phone who doesn't give a toss about our laws or culture and most importantly how we speak to each other (not like their robot speak!!).

What might happen?