Lloyds irl on overdraft

[Gracelands]

Hi everyone

Just trying to tidy up some debts that have accumulated over a number of years.

I have an account with Lloyds Bank and in 2017 I was using the account to fund online gambling which now I know that I had an addiction to gambling and was being sucked into the dark side of escalating debt problems.

The account shows a vast amount of betting firm transactions over a number of years and clearly shows that the account was being funded and used form that sole purpose and then in 2018 Lloyds allowed me to have an overdraft facility of £3000 and to this day the account has remained at is limit and I am only paying back the daily interest amount accrued monthly (£4 per day approx. £120 per month).

I have read a few threads regarding irl and with some help and guidance I would like to start this process with Lloyds and don't want to do it wrong?? To get to first base do I contact Lloyds and make a complaint to them and see if they will act and sort to save a long drawn out process and would this be a letter of complaint on the account?

Any assistance will b e appreciated

G 

[honeybee13]

Did you tell Lloyds you had a gambling problem?

I found this case with an ombudsman's decision if it's of interest.

A consumer complains her bank shouldn’t have lent to her, as doing so fed her gambling addiction and left her in debt

WWW.FINANCIAL-OMBUDSMAN.ORG.UK

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Ivanna made a complaint to us after she applied to her bank for three loans but found it difficult to repay these due to her gambling addiction.

HB

[dx100uk]

esp if you can prove you have numerous defaulted PDL debts like you did at the time

just like your natwest claim.

 

dx

 

[Gracelands]

Sort of buried my head in the clouds so have not informed Lloyds of any personnel issues just in case the close the account and demand repayment? Cant get credit file to go back that far to see if there were any defaults at the time of the overdraft agreement but there is payments to payday loans on the statements?

I will send a letter of irl complaint to Lloyds and wait for a reply then post back.

G

[dx100uk]

they cant just close it in a retaliatory way, against banking regs.

i believe you had evidence useful in you natwest thread or you debt one?

dx