Lloyds TSB tactics

[batman1956]

Lloyds TSB are chasing me for an overdue payment of £11 on my platinum visa card which is already paid. In february i had 43 phone calls and text messages about this alleged arrears. It seems that what they are doing in my case is holding the payment from my account until it can be deemed late and then adding charges Furthermore they have reset my credit limit to zero and are now charging an overlimit charge. The question is do you think that Lloyds TSB are in financial difficulty themselves and are like a starving animal fighting for scraps?

[nicsussex]

How did you make the payment? What makes you think that they are holding the payment from your account? Are there any other reasons why your credit limit could be set to zero?

[batman1956]

Payment was made in cash, it then took 12 days to be credited to my card account, and my limit is set to zero because all their unscrupulous charges keep the account above its original limit

[Goldlady]

How long have you had the card? It might be worth asking them for a copy of your agreement, just to see where you stand.:o

[batman1956]

It is about 8 years old and has been in default before but quickly restored The problem is with a zero limit i am always over limit

[ukaviator]

I think you need to get in an S.A.R (Subject Access Request) and see what there is in charges on the account. Lloyds add £12 for late payment and overlimit fees, so you should ask for those back.

[batman1956]

How prophetic was the question in this post?

[Goldlady]

Oh yes, you would have been burned at the stake a few centuries ago:eek: