Lloyds Complaint Ignored

[nosnibor]

Wrote a letter of complaint to Lloyds Bank on the 4th February 2016, letter was headed “Formal Complaint” and was sent to Gresham Street.

 

I did not send by recorded delivery but did obtain proof of posting, I have had no response whatever.

 

What should be my next step.

 

Many thanks

[martin2006]

If you gave them a timescale to respond by, follow it up with an LBA

 

Or ring and ask if they received it

[BankFodder]

I think that you should let us know what it was about

[nosnibor]

Hi BF,

 

Yeah happy to provided details,

 

A few years ago got into financial difficulties (loss of job) I saw it coming and knowing there would be insufficient funds in my Lloyds TSB current account to cover my direct debits I resolved to cancel them all so as not compound a bad situation.

 

I was able to do this via on line banking with the exception of the direct debit for my Lloyds TSB bank loan their system would not allow cancellation of this DDM.

 

I therefore wrote to Lloyds TSB by recorded delivery requesting cancelation of this DDM this was done well before the due date and they had more than sufficient time to action the request.

 

They failed to action my request and debited my already overdrawn account with the monthly payment sending me further into overdraft.

 

I then wrote to Lloyds TSB again requesting cancelation of the direct debit again by recorded delivery and again the request was ignored the monthly payment was debited and the current account went further into overdraft.

 

I wrote a letter of complaint to Lloyds TSB and in there reply they fully admit to having failed to action two written requests to cancel the DDM and as a result refunded the resulting charges.

 

It has since suggested to me that in addition to the refund of charges I should have been refunded the actual loan payments under the direct debit guarantee.

 

This was the subject of my letter of complaint.