Lloyds Banking Group PLC Arvostelua 53

My latest run-in with UK's Commercial Banks about scammers. Despite the fact that Trust Pilot reviewers quickly and conscientiously warned about this DVLA masquerading scammer, unfortunately I and many others did not come across them until it was too late. What surprises me is that even after I alerted my bank to this scam, and to these Trust Pilot reviews, it refused to act, so hundreds after me suffered the same fate. My bank insists the scam was neither fraud nor misrepresentation so no refund even though as the Police point out, they have the means to follow the money and to take prompt action. They side with scammers not their customers. The Trust Pilot review I refer to is "Licencesafe" followed by Co and UK. It's still up there, reviews from January to August this year, with 91% bad, higher if dubious 'good' ones are discounted. No more reviews since "the company's website has closed".

Trying to close off an account following a death in the family.

Having been advised by an online banking operative, as well as by letter, I attempted to do this at a branch of The Halifax in north London earlier this week. Sadly, none of the three staff present were able to help me.

At a very frustrating and difficult time, I would have appreciated some help in this matter - especially as I had been informed both on the telephone and by letter that I would be able to close my mother’s account very easily in a branch.

Two of the staff were as helpful as they could be, but confessed to lacking the training to help me. A third member of staff was simply aggressive.

I have waited 3 days to write this review but I remain very angry and disappointed by the lack of training given to your staff.

As I type this review I see that I am not alone in my disappointment with your services.

Try and get through for travel insurance! 1hr 15 mins waiting so I gave up.
Try making a complaint about it! 1-8 weeks and 4 days for an acknowledgement - To late to have that holiday!
Try to phone, oh yes over 20minutes on 3 attempts and then they passed me to the number that held me for 1hr and 15 mins.
Lloyds, you are rubbish at customer care and I find that disgraceful especially in these current settings and pandemic!

As with the payment protection insurance scandal which rattled on for years the caravan mis-selling scam we have unearthed also has major implications. This is probably why the main instigators have tried to cover their tracks and keep it all from public view. One such protagonist is the Lloyds Banking Group which, through its subsidiary Black Horse, forked out a lot of money to fend off our very small claim. In one sense the efforts have been in vain as we have evidence that clearly reveals the depth of the sales scam and there are people today still caught up in paying far more for their holiday homes than they should because of the “finance package” they signed when they bought it.

What we discovered in 2013 continued until late 2019 and perhaps affected scores of new caravan owners who bought from Haven before and during this time with finance from Black Horse or a similar company. This is aptly demonstrated by past pages from the Haven website we have saved such as the one dated 13/12/2019 which features an example of a “Pre-owned holiday home package”. The costs involved are: van £14,218 + site fees £2,682 + rates £572 + gas & electric £288 + insurance £235 = total of £17,995. From this a £3000 deposit is deducted leaving £14,995 to be borrowed which is £777 more than the cost of the van. Bearing in mind none of the first year costs should have been added on to the loan, and the deposit should have been taken off the £14,218, this would have left £11,218 to be borrowed which is £3,777 less than the loan based on the “package” version. What a scam!

On 18th July 2021 we sent the following email to Lloyds Banking Group’s interim CEO, William Chalmers:-

‘We are writing to complain about the disgraceful way we have been treated by you and Lloyds Banking Group and to express our disgust at the response we received 30th June containing the following erroneous statement:-

“Having liaised with the relevant team, they have confirmed that they have nothing further to add to previous responses issued to you, and that as the internal complaints process has now been exhausted, they will not be responding to you further. Therefore I am sorry to confirm that we cannot progress your complaint further from here. Further emails from you will be sent through to our team, but you may not receive further responses if issues raised in your correspondence have already been addressed.”

‘This is an outrageous lie, Mr Chalmers, as we have received no “responses” at all from “the relevant team” to any of the issues we have recently raised with you since 1st June this year and none have “already been addressed”. These yet to be addressed issues include:-

1. Black Horse hire purchase loans being substantially increased by including the cost of several “extras”, such as site fees, insurance and “non-domestic business rates”, in with the “cash price” of the caravan, thus increasing the loan and subsequent repayments for up to 84 months.

2. As a result of this we were over-charged by more than £3,000 on a hire purchase loan for a caravan supplied by Bourne Leisure through its Haven Holiday Park at Doniford Bay, Watchet, Somerset, in June 2013.

3. Although we had called for a “root and branch” investigation to be carried out by LBG this did not happen and we were further victimised when Black Horse spent £43,234.20 in legal costs (including £5,000 for a London barrister) fending off our County Court claim for £4,370. Surely something must be adrift for a company to spend that sort of money against such a small claim from two litigants in person – would you at least agree on this one?

‘Mr … an expert on Consumer Credit Law advised us that site fees and other intangible items should not have been included with the sale of the caravan on hire purchase. Any “extras” such as site fees and insurance for the first year should have been paid for separately, possibly by way of a different kind of loan if necessary.

‘We have sent you all the documentation supporting our claims of wrongdoing by Black Horse and the longer this blatant cover-up goes on the worse it will be when it all comes into the open, as it surely must. We are doing our best to expose this scam and cover-up and it is “all out there” on Trustpilot, which has had 8,500 visits to date. What a pity for LBG that these reviews are so negative (see attachment).

‘We sincerely hope you will get to grips with this situation and ensure that all our concerns are properly addressed so that we do not have to take them to Charlie Nunn when he takes over the reins from you in due course.’

NO REPLY

I recently opened a Lloyds Bank account and the customer service from Helen in Harrogate and Selana from Batley was both professional and friendly.

My mother changed over to Lloyds from Santander, because she was constantly experiencing fraudulant withdrawls from her account. Lloyds promised to transfer all of her existing direct debits and accounts over and make the experience stress free, as she is 80 years old and was deeply concerned/frightened by what was happening.
Since the transfer of accounts, all of my mothers direct debit accounts and services connected to the bank have been closing down one by one, because none of them were moved over from Santander and the companies cannot claim their money.
Also since the transfer she has received 5 pins from Lloyds for her card and NONE have worked leaving her with no means to get cash to pay for shopping etc.
She has even spoken to the manager of the bank and nothing has changed.
This is supposedly one of the UK most respectful Banks treating a pentioner like this.
I spent tonight on the phone trying to calm my sobbing 80 year old mother down and reassure her that we would get things sorted. Absolutely disgusting/abusive behavior. I hold Lloyed 100% responsible for this. They should be ashamed of themselves and held accountable for their behaviour.

oh my im done with halifax and their fake promises to help me with online banking! not a bank to use if you plan to use their online system sooo fed up! moving banks shortly

Messaging service told us to call, call service took 1 hour and told us to just turn up in branch, rude over the phone and condescending, branch told us we have to call.

Abysmal service.

I can't believe this is the same Lloyds that I joined six years ago.

How do I make a joint account?

Join another bank?

just spent an hour being passed from pillar to post trying to make a payment from my current account with the halifax to my credit card account with the halifax. was denied and after multiple delays talking to different departments? was transferred to the fraud team. i'm severely disabled and only get/spend a small amount generously given to me by the government but the halifax treats this money as theirs and makes you jump through multiple hoops to do anything with it. joke bank. had enough after 10+ years and am looking to move banks. always been in credit and never missed a payment.

stop cancelling my transactions... driving me crazy!

HALIFAX BANK... UNPROFESSIONAL...
I have tried to get into my account from my computer for over a month now... I am told they are calling me... then I get the message below... then I pick up my mobile right next to my computer... log into my Halifax account... and do what I have to...

I PREFER TO WORK ON MY COMPUTER, HALIFAX, PLEASE CONNECT ME UP...

IF YOU CANNOT GET THROUGH TO ME, SEND ME AN EMAIL!...

Don't even bother telling me to phone you... you are closed when I phone you...

YOU HAVE NO REASON TO DISALLOW ME INTO MY ACCOUNT FROM MY COMPUTER!...

Just take the stupid block off...

Have been threatening to move to one of my other bank branches for a long time now... decisions, decisions...

"We tried to call you on the number you chose +440783****426 but we couldn't get through.

That's very funny... my phone is right next to me... every single time... and then I go into my account via the VERY SAME phone you cannot get through to...Total Mystery!!!

Metro Bank, with who I do have an account, really seem like a better option for customer service...

15/4/2021 and my account through my computer IS STILL BLOCKED... PLEASE UNBLOCK IT...

Got caught in a scam about broadband speeds recently. Since our Virgin Media is so appallingly bad, it was very believable. The upshot was a large sum disappearing from my bank account, but it was spotted very quickly and reversed. Lloyds were very helpful and efficient

i was scammed twice one year ago but i didn't received any help from Lloyds account , it were from mu creditscards and Lloyds only expect bigger payday for them because i had good job more than 200 hrs per month but now i haven't any job and paid all my saving ISA to this credits

I am running a business and use the mobile app to scan and bank cheques but this function has simply stopped working. Whenever I get to photograph "front of cheque" it logs me out. It has been behaving like this for the past 7 days. Extremely frustrating and cannot contact Lloyds as they never answer their phone.

Ref ; Lloyds Bank, 47 Milsom St, Bath BA1 1DN

This branch of Lloyds bank, is full of people who hates people; they are not friendly and extremely lazy.

All I wanted was a bank statement. The lady gave me a hard time and her supervisor, was like we ''can not stamp it for you'' Both ladies were EXTREMELY RUDE!!

Then I saw her supervisor speaking in a very patronising way to another customer....If you hate your job don't do it!!

When my father passed away I already had Power of Attorney so most things ran very smoothly. Within days HALIFAX contacted me to ask me and my sister to come in for an appointment with a specialist advisor. This could not be done at my local branch so had to travel 10 miles to a larger one. I presumed this was for a legal matter so did as they requested. After half an hour or so I realised this meeting was completely unnecessary and all the meeting speak and condolences where simply a strategy to keep my Dads money in there Bank I’m not naive enough to think Sentiment would prevail over profit but this certainly wasn’t explained when I was asked to come in and see them. I was absolutely Furious we hadn’t even had the funeral. I’m posting this now because evertime I see the logo or a advert that’s all I think about but this current commercial portraying how they’ve contacted thousands of customers to see how they doing over the COVID well actions speak louder than words.

It's the worst Insurance company I ever had to deal with as I've home insurance with them and when I tried to claim a damage due to heavy rain, not only refused to pay, the service I received from them was unbelievable, very un-professional, disgrace to the company.
This was the response from the company;
"Please see attachment for a claim update
Due to no email encryption please do not respond to this email address directly.
If you wish to send an email, use the address provided to you by a claims handler
Lloyds Banking Group plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC95000. Telephone: 0131 225 4555".
I have been trying to get a feedback since the survey (11/10/20) had been carried out as nothing has been received from Halifax until now and as above there was no email address to get in touch with only phone number which the minimum waiting time is 20mins.
My strong advise to all that are looking for a reasonable home insurance company, do not ever go to Halifax.

Disgraceful company, have my business banking with them and been flawless up until losing my mum and handing the account over to myself. Blaming Covid for every delay whilst not having access to a business I shared with my mum, and unable to pay staff and suppliers. In branch staff are useless and direct you to phone based business managers and they they point you back to branch staff. Shocking behaviour. Wish they had not been bailed out all those years ago and been left to go to the wall. DO NOT USE THIS BANK.... DO NOT CARE ABOUT ANYONE.... SHOCKING....

Lloyds home Insurance claim handlers are liars, liars and they are day light robbers. They have stolen my my money.
Lloyds Insurance home insurance claim handlers are liars, liars and they are day light robbers. They have stolen my money. they steal policy holders money.

Front-line Sales, customer service people are okay.
Background claim handlers are daylight robbers. They way that the claims handling is awful, Lloyds home Insurance claim handlers harass the people. They threaten the people.

They say they are the specialist teams, and they are doing wife swappings during workhours. they never approved my claim and there are many victims like me.

Lloyds home Insurance claim handlers are liars, liars and they are day light robbers. They have stolen my my money. worse than pickpocketers