Lloyds Tsb Loan

[ginger monster]

I don't know if you can help me but I agreed to pay off my loan with Lloyds last February, I signed the early settlement fee paperwork and sent it back I never heard anything else from them. The money was still in my account. Last week I received a letter from the collections department in Brighton telling me that my account was in arrears and they had taking £6132.96 out of my account to pay the arrears and told me that I owe another £6780 on top. They will be charging me interest everyday on this amount and they've already added an extra £1450 for missed direct debit payments. Now surely this is they're mistake for not taking the money and I shouldn't be charged all this interest and only pay the orignal settlement fee as agreed and signed for. I have spoke to my manager and he advised me to write a letter of complaint. I would really appreciate some help with this one as its affecting my work and social life. Even if it just sample complaint letters.

[jontah 2006]

I don't know if you can help me but I agreed to pay off my loan with Lloyds last February, I signed the early settlement fee paperwork and sent it back I never heard anything else from them. The money was still in my account. Last week I received a letter from the collections department in Brighton telling me that my account was in arrears and they had taking £6132.96 out of my account to pay the arrears and told me that I owe another £6780 on top. They will be charging me interest everyday on this amount and they've already added an extra £1450 for missed direct debit payments. Now surely this is they're mistake for not taking the money and I shouldn't be charged all this interest and only pay the orignal settlement fee as agreed and signed for. I have spoke to my manager and he advised me to write a letter of complaint. I would really appreciate some help with this one as its affecting my work and social life. Even if it just sample complaint letters.

 

 

"bumped"

someone with know-how, will be along soon.

[ginger monster]

Can't anyone help, its a strange predicament to be in the bank said that I must have fallen into a black hole.

[BARTY]

BUMP - Anyone help please:confused:

[nicsussex]

Do you have a copy of the early settlement paperwork?

[ginger monster]

Thats the problem my mrs shredded it all, so I've got nothing, not very good I know

[ginger monster]

I received a letter back from the complaints department, stating that they are very disappointed that I am unhappy with there services and they will be looking into my matter throughly i should recieve some correspondance from them within 12 days:rolleyes:

[ginger monster]

Still no news from the customer complains department its been more than 14 days shall I go to FSO now:evil:

[fuzzywuzzy]

Hi GM

any update on This, you need to do a S.A.R - (Subject Access Request) on Lloyd's.

You will receive all the notes from the collections center with this, if not then scream hard until you do.

 

Place your loan in dispute send them a CCA letter from this site.

 

And contact the FSO when you have gathered as much evidence as you can for this.

 

You could give a little more info if possible, did you have a direct debit set up with them, is this still active, when was it closed get a print out from your bank of proof of origination and closure if its applicable.

 

How much was the loan?

When did you take it out?

over how long?

what was your monthly payments?

how much was the early settlement?

2 lots of six thousands is a lot but you wouldn't benefit that much from a short settlement on a loan over £12,000 so my guessing your short settlement could only have been around £10,000 as Lloyd's are as tight as a ducks arse.

 

The SAR should reveal alot, and are you now six thousand over drawn.?

 

Fuzzy Wuzzy:)

[fuzzywuzzy]

PS don't wait for them they can take up to 8 weeks to resolve this and after that the FOS will do bugger all if they don't , so keep them on thier toes.

 

And don't take crap from collections, they rant all types of junk over the phone. Strictly hard copy now which creates evidence for use as and when.