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 03/06/19. 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 their. 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

Bump....Just to see if any new viewers can help.

Just an update on this. I eventually decided to offer Lloyds TSB £3000 by way of a cheque from me in full and final settlement of my wifes account (£5250). They have now cashed the cheque and sent her a letter saying they cannot accept HER offer! Also received in the post a letter saying they are dealing with a complaint on her behalf. When she rang up about this they wouldnt tell her who had raised the complaint ( although i had earlier been told it could have been a Lloyds employee complaining because the cheque had been cashed). They also said they are within their rights to cash the cheque even though i had written on the back "Only to be cashed in full and final settlement of Account Number xxxxxx" ! Thoughts anyone?

You're on Zooman .... I'll happily donate 5% of anything we save on the outstanding balance! Where do we start?

No joy so far apart from ringing a DMC who have offered to approach Lloyds TSB for us and want £250 plus 10% of the discount negotiated which they seem to think could be as much as 50%. Is this a good deal?

Will try that thanks

Still with LLoyds

My wife defaulted on her LLoydsTSB crdeit card and has entered into an agreement with them to pay it back over a certain time period and they have frozen the interest. She is now in a position to offer them a settlement for the full amount but when she rang the General Enquiries number she got through to the typical Indian Call centre where they are only authorised to offer a 2% discount on the outstanding balance. I would appreciate any advice on how to get through to someone with authority to better this offer since obviously many debt management agencies seem to be able to negotiate much better terms. Many thanks in advance. (I hope this is posted in the correct sub section!)

He is aware that his words have been posted in this forum. It will be interesting to see if he registers and comes in here to defend his employers!

Taken from a message board i frequent. don't go overdrawn, and you won't get charges?????? sounds like a free way of banking to me. and before you start, yes i got stung for £39 for a direct debit that didn't go, but took it on the chin as I fucked up. that's one of the problems with society at the moment, no-one will accept that they are at fault and made a mistake and as you guessed, i work for a bank and have to deal with charge complaints all the time, we have had official advice from head office to handle people trying it on. best advice i would give is the first line of this post

Just sent my DPA letter to Nationwide today Will let you know how i get on as time goes by.

I've just had a phone call from my wife who has just come out of Nat West where she had been with my son to ask for the refund of a £38 fee for a returned direct debit which would have taken him £6 overdrawn. She is furious because they refused point blank to refund this money even though he has been out of the country for 3 months and were quoting "these are the terms and conditions of his account" etc. I just wondered whether anyone has been sucessful in obtaining a charges waiver actually in branch as opposed to going through the lengthy process of threatening to sue. This comes after having totted up my wifes fees this morning with Lloyds TSB which in the past four years total £1573!