Help with complaining to the bank for my Grandad
Discussion
My grandfather is having real problems with his Lloyds TSB credit card, he has written them a letter when he needs to send to someone who might actually sort it out.
Does anyone have the address of someone at Lloyds TSB who may actually give a damn.
His letter is below, it explains everything rather well.
Please find enclosed my credit card account. If I may explain, I have had a Lloyds credit card for a number of years and have always paid my account, with an HSBC cheque at my HSBC branch, well before the new date. To my surprise you informed me that you had not received my July 2009 payment. I phoned the Card Dept. and spoke to a lady there who told me just to pay my month’s expenditure and she would look into the matter of my missed payment. I have made numerous phone calls, and received many letters telling me that you cannot trace my payment, and to approach my Bank. My Bank showed me my cheque on their computer, stamped and duly passed through their system. I have also had the £*** taken from my Bank account.
After many phone calls and letters from you I approached the Financial Ombudsman. He sent me a letter telling me that he had informed you of my complaint and that I had to wait the statutory 8 weeks for a reply. You did not reply.
I also took legal advice from a Solicitor (£30 + VAT) and she advised me that, although I had a more or less cast iron case, her costs would far exceed the amount of money being disputed. The Financial Ombudsman sent me a letter recently informing me that they now had an Adjudicator on my case and I await the result.
I have now destroyed my card, so I cannot use it again, and have paid up the outstanding amounts, with the exception of the disputed amount which I consider, and my Bank considers that I have already paid.
I do not intend to pay this money because as far as I, and my Bank, are concerned, it has already been paid. The fact that you cannot find it, is your problem and no longer concerns me. So please desist from sending me any more bills, and any correspondence should be sent to my Adjudicator, *********, at the Office of the Financial Ombudsman using Ref: ************
You can, of course, sue me if you wish, and if you decide to take this action, then I look forward to my day in Court. If this is your decision, then please make it sooner, rather than later, as I am an 82 year old pensioner on chemotherapy for cancer and I could do without this hassle.
Yours etc etc
PS As a last resort I have also written to a national newspaper money page with my complaint but I doubt, whether you would be worried about the adverse publicity, because at the moment, you top the list of complaints against banks.
Does anyone have the address of someone at Lloyds TSB who may actually give a damn.
His letter is below, it explains everything rather well.
Please find enclosed my credit card account. If I may explain, I have had a Lloyds credit card for a number of years and have always paid my account, with an HSBC cheque at my HSBC branch, well before the new date. To my surprise you informed me that you had not received my July 2009 payment. I phoned the Card Dept. and spoke to a lady there who told me just to pay my month’s expenditure and she would look into the matter of my missed payment. I have made numerous phone calls, and received many letters telling me that you cannot trace my payment, and to approach my Bank. My Bank showed me my cheque on their computer, stamped and duly passed through their system. I have also had the £*** taken from my Bank account.
After many phone calls and letters from you I approached the Financial Ombudsman. He sent me a letter telling me that he had informed you of my complaint and that I had to wait the statutory 8 weeks for a reply. You did not reply.
I also took legal advice from a Solicitor (£30 + VAT) and she advised me that, although I had a more or less cast iron case, her costs would far exceed the amount of money being disputed. The Financial Ombudsman sent me a letter recently informing me that they now had an Adjudicator on my case and I await the result.
I have now destroyed my card, so I cannot use it again, and have paid up the outstanding amounts, with the exception of the disputed amount which I consider, and my Bank considers that I have already paid.
I do not intend to pay this money because as far as I, and my Bank, are concerned, it has already been paid. The fact that you cannot find it, is your problem and no longer concerns me. So please desist from sending me any more bills, and any correspondence should be sent to my Adjudicator, *********, at the Office of the Financial Ombudsman using Ref: ************
You can, of course, sue me if you wish, and if you decide to take this action, then I look forward to my day in Court. If this is your decision, then please make it sooner, rather than later, as I am an 82 year old pensioner on chemotherapy for cancer and I could do without this hassle.
Yours etc etc
PS As a last resort I have also written to a national newspaper money page with my complaint but I doubt, whether you would be worried about the adverse publicity, because at the moment, you top the list of complaints against banks.
I worked for the FOS as an adjudicator (only left last month) and i would say leave it to them to sort out, i dealt with cases like this day in day out.
It wont be a problem, providing your bank can show the cheque and the money leaving your account the fos should find in your favor.
also it may be work asking if your bank have a copy of the cheque (so you can prove it was payable to Lloyds tsb)
p.s. who is your adjudicator? i will prob know them?
It wont be a problem, providing your bank can show the cheque and the money leaving your account the fos should find in your favor.
also it may be work asking if your bank have a copy of the cheque (so you can prove it was payable to Lloyds tsb)
p.s. who is your adjudicator? i will prob know them?
Write to the ceo/director, things usually get moved on a little more that way.
The above is assuming their payments similar to the one I work with
diesel head said:
If I may explain, I have had a Lloyds credit card for a number of years and have always paid my account, with an HSBC cheque at my HSBC branch, well before the new date. To my surprise you informed me that you had not received my July 2009 payment.
From that it could be that either the branch where the cheque was paid has cocked up somewhere or TSB have the money and for some reason haven't been able to apply the funds to the account. Your bank should be able to tell you where the cheque was cashed and then should it should be easy enough to be able to trace it through to where the funds are sitting now.The above is assuming their payments similar to the one I work with
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