Lloyds making customer's life a misery by claiming that he is dead !!

[citizenB]

 

For the past year, Lloyds Bank customer Ashley Flynn has tried desperately to convince the bank he is still alive.

 

Many customers feel they are invisible to their bank – just another account number to be sent occasional impersonal mailshots.

 

But few will have felt more inconspicuous than Ashley Flynn has done over the past year.

 

 

Read more: http://www.thisismoney.co.uk/money/saving/article-2895425/Lloyds-life-misery-insisting-DEAD.html#ixzz3Nvvxk1fD

 

 

 

 

 

 

 

http://www.thisismoney.co.uk/money/saving/article-2895425/Lloyds-life-misery-insisting-DEAD.html

[citizenB]

 

A single action by Lloyds Bank has had a disastrous domino-effect on his financial life.

 

It has left him locked out of his current account, fees mounting on an overdraft, an impaired credit rating, unable to get a mortgage for his first home in his own name and harassed by debt collectors.

 

Ashley’s year of banking hell at the hands of the part State-owned bank started innocuously when he bought a round of drinks for his partner, Georgina Sallas, and her friends on a night out in January last year. It was then that his Platinum Visa debit card was rejected.

 

The reason, he found out later, was because the bank had decided he was dead.

 

 

 

 

Read more: http://www.thisismoney.co.uk/money/saving/article-2895425/Lloyds-life-misery-insisting-DEAD.html#ixzz3NvwKBih3

 

Despite advising that he is dead, they have been sending letters to him demanding payment for his overdraft and even passed his details to a Debt Collector !!

[citizenB]

To add insult to injury, the FInancial Ombudsman suggested LTSB make a £500 compensation offer !!

 

 

An initial review of Ashley’s case by the Ombudsman concluded that £500 compensation should be paid. It also recommended that Ashley’s credit file be corrected and for a payment plan to be arranged for the outstanding overdraft.

 

Ashley rejected the compensation, calling it 'insulting', while Lloyds rejected the other two remedies. The complaint was then escalated to a full Ombudsman investigation. A final decision is due soon.

 

 

Read more: http://www.thisismoney.co.uk/money/saving/article-2895425/Lloyds-life-misery-insisting-DEAD.html#ixzz3NvxB2MOP

 

[parity4all]

Ombudsman final decision:

 

Compensation increased from £500 to £750.

remove his adverse credit file ratings

convert outstanding balance of overdraft to interest free loan

agree reasonable repayment plan for the interest free loan.

[odds]

Unbelievable, and the Ombudsmans decision is also pretty pathetic.