01273743574

If the lady called you and told you about your debt of 8£ and have failed verification, then you can claim for a DPA breach.

Thanks for that - this needs a bit of publicity to warn public of underhand methods used by LLOYDTSB will organise press release to all national newspapers. Disgraceful conduct and this bank supposed to support National debtline etc-if making you ill then record with doctor and sue them-its the only way as they think they are above the law-maybe they are !!!!!!!!

Important read this and use it LTSB is breaking the law punishable by prison -take notes and write to them and quote below from communications act 2003

127 Improper use of public electronic communications network

(1) A person or company is guilty of an offence if he—
(a) sends by means of a public electronic communications network a message or other matter that is grossly offensive or of an indecent, obscene or menacing character; or
(b) causes any such message or matter to be so sent.
(2) A person is guilty of an offence if, for the purpose of causing annoyance, inconvenience or needless anxiety to another, he—
(a) sends by means of a public electronic communications network, a message that he knows to be false,
(b) causes such a message to be sent; or
(c) persistently makes use of a public electronic communications network.
(3) A person guilty of an offence under this section shall be liable, on summary conviction, to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale, or to both.
(4) Subsections (1) and (2) do not apply to anything done in the course of providing a programme service (within the meaning of the Broadcasting Act 1990 (c. 42)).

Get a premium rate number and get them too ring that.
Then you will start to enjoy long chats with them £1.50 a minute really adds up.

As long as you write to them telling them 'They cannot phone you, but must communicate only by letter' they have absolutely no right to phone and are in fact committing the following offences:

The laws governing the Harassment of alleged debtors under Section 40 of the Administration of Justice Act 1970 are quite clear and their 'nuisance' telephone calls after the receipt of a request not to call may constitute a criminal offence under section 127 (2) of the Communications Act 2003.

Every individual has a right to be free from harassment under the Protection from Harassment Act 1997, and the offence of causing harassment is arrestable under the provisions of Section 24(2) of the Police and Criminal Evidence Act 1984. Additionally Section 3 of that act enables a person who is, or may become, the victim of behavior prohibited by Section 1 to take civil proceedings against the perpetrator.

In one single day they are committing multiple breaches of section 127(2)(a-c) of the Communications Act 2003, by their 'Improper use of public electronic communications network':

(2)  A person is guilty of an offence if, for the purpose of causing annoyance, inconvenience or needless anxiety to another,
he—
(a)  sends by means of a public electronic communications network, a message that he knows to be false,
(b)  causes such a message to be sent; or
(c)  persistently makes use of a public electronic communications network.
(3)  A person guilty of an offence under this section shall be liable, on summary conviction, to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale, or to both."

If they really annoy you report them to your local Trading Standards department, the Financial Services Authority, the Office of Fair Trading and the Banking Ombudsman.

Dear Sir/Maam,
you son had borowed bank funds and have gone overdrawn/ his loan is not paid, so you are getting this calls for your son, here is what you can do give us your son's number......

i work with the debt collections, we dont chat, we procure your property and ensure you are thrown out of your home...........so keep crying

Our systems are designed in a way that, it will not stop calling you or picking up your details till you clear your debts.

Bad system design is no excuse for breaking the regulations which govern your industry.

You wrote (or attempted to write):

Dear majorbonkers
iI and many aother think that your last post was somewhat uncalled for when uou typed


My response:

I rest my case!

Hello Neo, the best way to identify the bank is to ask them questions by giving them options say your date of birth, give them options A,B,C. let them give you the right one.
Secondly, our outbound systems are designed in a way to give a customer calls within every 2/5/6 minutes until the customer clears his debts or come into an arrangement for repayment. I do agree that the bank charges are too damn high for any customer or Human, for that matter, so please do not be rude or angery at a collector, we as collectors know how you feel, if we had the opportunity to remove your charges we would have.........but we or our mangers cant as the bank have set limitations. i will get back to you on more info....

Billy, we are the collections department and we get our wages based on our collections, so our systems are designed to collect, its not a bad system, we you look at it from a business point of view-you'll see its good for business.

Let me as a manager tell you that we work on Sundays to collect, the reason its the best time to blow the crap out of you guys, as this is the only day you are available at home............get it!

No, she can't - it has nothing to do with anyone apart from the son.  Besides, the son also has no obligation to speak to you by phone.  If you have something to say, do it in writing - Lloyds TSB's track record as regards phone communication is less than stellar.

Then, the recipient can lodge a complaint with the Financial Ombudsman Service, or the Office of Fair Trading, or Consumer Direct.  Plus, that many calls in a day is harassment.

You have something to say?  Do it in writing.

The charges are unlawful, under Section 2083 of the Unfair Terms in Consumer Contracts Regulations 1999, where you will find this in Schedule 2 'INDICATIVE AND NON-EXHAUSTIVE LIST OF TERMS WHICH MAY BE REGARDED AS UNFAIR', Subsection 1 :-

"(e) requiring any consumer who fails to fulfil his obligation to pay a disproportionately high sum in compensation;"

To claim any such unlawful charges back, this is one of the passages of law that can be quoted to claim them back.

No, you don't procure property or ensure anything - that would be a court's decisions, not Lloyds!

There are many factors involved before it could even have a faint glimmer of possibility that it could get to that.

Refer to the following page :-

http://www.consumeractiongroup.com/forum

You'll find subsection discussion forums relating to Lloyds, the collection agencies they use, and many others.  But Lloyds' (or, Royds, as I call them) trickery is very well known there.

Don't lie, even I know your job calls for it.  Better yourself - do anything else.

I see the idiots at SCAM (or SCUM) have been busy.  I thought SCAM's Brighton centre (based, strangely, where Lloyds Collections are also based) was going to be shut down - what a pity it hasn't been!

Still, if Royds' share prices keep teetering at the 50-60p mark, more job losses in the very near future - yay!

Hello, please settle you debt if you try to bar us it will not work, our systems can stopyou from that.

the collections dept cannot be shut.....many people are going to face issues, if the bank does not stop the charges.