This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi there, We have had a Blackhorse loan for several years now, it has just been left on a DD and paid without fault for 4 or 5 years perhaps. The repayment is around £50 and frankly we have barely noticed it. Anyway, in error we cancelled the Direct Debit when having a tidy up of dormant DD's, and we missed a payment. Despite previous good conduct they came down on us very swiftly, a £25 charge and a default, despite settling the missed payment, and paying the next in advance while DD setup again. Simply put, we're furious. So as the loan is around 1k, we're going to get rid asap, but not without first being awkard so and so's. Questions: Can I dispute the charge in a similar manner in which the bank charges were being dealt with? (we claimed bank bank charges), if so, can I go straight to the FO? We dont think there is a signed agreement, we never signed one (it is a re-financed loan from years ago when we were pretty desperate), we certainly dont know the terms. How do we go about getting this info? What is minimum that can be offered for a full and final, and if they cannot produce an agreement can this be even lower? Many thanks

Terrible news, kicking myself as right now I feel as though I've 'missed the boat'. My LBA expires tomorrow but today received a letter that my complaint is on hold until 3rd September, and it's obvious why. WIth that response I can only wait. I simply cannot bring myself to believe that the banks have voluntarily allowed this to occur unless it somehow favours them. Deals have been done and in time we'll find out the nature of them deals, but I think the party is over.

Actually. Just seen the news regards OFT test case. Pretty obvious now why I'll have to wait. That'll teach me to drag my feet!

ok. I'll reply saying that's unacceptable and press on. Thanks.

Hi I have received a letter today from Andover precisely 1 day before the 14 day LBA was set to expire stating: Slightly demoralised as that is some considerable time, is there anything I can do to expedite the process? Thanks in advance

isnt that what he said? This is getting over complicated. The leaflet says: Seems pretty simple, You send LBA and either wait for response which is usually their final response, or carry on chasing for that final response. But if it doesn;t come you can continue with complaint after 8 weeks. Personally I won't be sitting back and waiting 8 weeks. My LBA says 14 days, once that has elapsed with no response I'll be pushing pretty hard for some response so I can continue with my claim. Certainly when companies have chased me for money 8 weeks of doing nothing was unheard of. As far as I read it the 8 weeks is a 'last resort' for when you're up against a company with its head in the sand. Not cumpulsory waiting period you must allow. Keep chasing and chase hard.

They certainly used to be! In 1995 we knew our Account manager by her first name. We could ring her DIRECT, and she could help, and did. The banks mustve all woke up and realised they have all the power, and we're all mugs

Thanks for the info. In all honesty I'm really not that bothered about interest. I'd prefer to just get back my money and put the whole sorry affair behind me. During our darkest years financially Lloyds were our nemesis rather than being anything like the financial service they claim to be. So getting our money back from then would be compensation enough. My only wish is for a bank that is human and decent in the way it conducts business that we could move to

Hi, This makes very interesting reading. I originally started looking into claiming sometime ago, but we can rarely afford the court charges. We've just started the procedure again and LBA is in my hand to go today, we have money to go court route this time (claim is £3k+) but it's going to hurt us. How do I go about making a claim through the FO instead? Any links to info gratefuly received. And good luck with your case.

Response recieved today. Standard reply, referring us to Banking Ombudsman and confirming that there is nothing to add and it is the banks final response.

Well, we've had to take a long break from this business thanks to a messy house move, but we're now settled again and started the process going again with an LBA sent on the 27th July. From now on I shall update on progress, right to the bitter end. Edit: Correction to LBA date

ooh handy, can you rername it 'mortuk versus lloyds' too?

I was once billed for a loose screw on a door handle, amongst several hundred other things. The landlord attempted to build a picture of complete neglect of the property with all manner of really tiny problems. Unfortunately for him, none of these specific items were showing as being in good order on the original inventory so he got no where with his claim.

I imagine you can claim, statute of limitations is 6 years I believe. Deposit disputes (rip offs) are the number one complaint and have reason sharply in recent years, accordin gto Arla. Fortunately for us tenants the previously voluntary deposit protection schemes becomes law on 1st October this year. In the mean time I would, and have, fought vigorously to get my deposit returned. You must demand to see proof of work done, and dont be afraid to challenge these people in the courts. Additionaly, as I encountered on my last deposit problem, despite what the landlord thinks they can not replace a whole carpet because of one mark, or paint a whole wall because of one mark. The deposit is to cover contributions towards genuine damage, not wear and tear or redecoration.

Reply received today. Standard letter, from David Just, word for word the same as others have received.

Hi, I've had a similar experience with this company. Completely out of the blue they sent demands for something in the region of £900 for a debt incurred with Royal Bank of Scotland. I've never knowingly had any credit from RBS and certainly know I don't owe anyone £900. However the letter was written in such a way as to cause some significant panic, so I did some digging about. I found information suggesting they were in the business of fishing for statute barred debts and or previously settled debts and firing off speculative demands. The tactic seems to be they include a very generous offer of settlement or small monthly standing order payments in the hope that people will simply acknowledge and accept the terms for a quiet life. Having scoured my archives I satisifed myself there was no way I owed the money so I simply ignored them. I was advised by a third party to send a dpa request demanding written evidence of the debt (without acknowledging the debt itself), but decided to simply ignore so as not to 'acknowledge' my existence at the address they had. After two more letters I never heard anything more, this was over a year ago now.

I would've thought it was a forgone conclusion that the banks read here. In my opening thread I even considered saying hi to the Lloyds folks. Doesn't bother me one jot, they can't possibly gain anything from it other than to pass an idle hour over lunch or something and indulge their curiosity.

Prelim letter sent today. Bit delayed due to general chaos of life getting in the way Updates as and when I get them.

Thanks, and yep we checked and double checked and got all excited when we counted another charge I intend to keep my progress updated here for the next steps.

We recieved our statements yesterday, a week after the official request. We have £2990 to claim. We were pretty speachless. Anyway, onwards.

A dissapointing radio article, pretty ill informed. If anything it demonstrated the total ignorance of the average consumer. Terms and conditions never override law, imagine if it did??

Thanks, I think you're right. I guess it demonstrates how much I now distrust my bank, sad really. Sent letter, start my 40 days now