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AIBU

To think that Lloyds Bank were being unreasonable?

(37 Posts)
merlotgran Mon 20-Oct-14 18:41:13

When Mum died I rang her bank (I had POA when she was alive) to inform them that I would be keeping her account open for a month because I needed to finalise her affairs.

Fine, they said. When you're ready just bring in a copy of the will and her death certificate and it will only take a moment to close the account.

So,I went in this morning with the right documents. The bank was almost empty and there were no queues at the customer services desks. Somebody eventually sauntered over to deal with me and said I would need to make an appointment as they couldn't close the account there and then.

'Why not?'

'Because there has to be somebody available to sit down and go through it with you'

'I phoned and was told it would be straightforward. Nobody said anything about having to make an appointment and anyway, there is only £4.40 left in the account.'

'Sorry, you have to make an appointment. We can't just do it now?'

'But I will have to make another journey at my expense and if you don't mind me saying so, you're not exactly busy at the moment.'

'Sorry, Friday morning is the earliest appointment you can have.'

I bet I'll be in there less than ten minutes!!! angry angry

rosequartz Thu 23-Oct-14 13:20:18

Anya, yes we will have to sort something out. I didn't offer before as she was working and paying it off; she is overseas and finds it difficult to contact them due to time differences (she spent nearly an hour on a mobile to them once, and they still failed to act on her instructions despite saying they would).

I could be money laundering you see hmm

Anya Wed 22-Oct-14 23:07:02

If it's any consolation to those having trouble with Llyods, I was thinking of switching banks as my bank is several miles away and Lloyds have a branch within walking distance.

This has decided me not to bother after all so I will keep my millions safely stashed in my current bank (though not in my current account).

Anya Wed 22-Oct-14 23:03:25

Rose surely the bank will tell your daughter how much is owed on her CC and then you can transfer funds into her bank and she can pay it off herself?

rosequartz Wed 22-Oct-14 15:18:50

Just bloody-minded I think, Nonu. It was reduced right down then she has had to take a much lower-paid job - there is not that much left on it but I am not allowed to pay it off! (Who would pay their big fat bonuses if they didn't keep charging customers who are struggling?)

Nonu Wed 22-Oct-14 13:12:34

That is awful ROSE, FGS, are they nutty or something !!

rosequartz Wed 22-Oct-14 12:56:27

Lloyds Bank are being difficult in the extreme over DD's account; as she is overseas and then lost her job she found it difficult to pay off her credit card resulting in charges. To avoid charges she asked me to pay it off and she would set up a direct debit to pay me. Will they let me do that? No they will not - fgs I am trying to give them money not take it away - but they obviously prefer people to be in debt so that they can keep charging. They will allow me to pay the minimum payment plus charges - but only if I can guess the correct amount they require - they will not tell me what I can pay.
angry and steam coming out of ears.

Ariadne Wed 22-Oct-14 08:41:48

Well, lucky old you, *Nonu". Unfortunately, there are people here with real problems with banks.

Nonu Tue 21-Oct-14 22:07:20

I have pm"d

Ana Tue 21-Oct-14 22:02:50

Glad to hear it, Nonu...confused

Nonu Tue 21-Oct-14 21:51:22

Honey-bunney you can beg to differ all the jolly well like[tee hee] , I am not talking about the local branch staff [they are pretty fine].

I am actually talking about Commercial banking and the strokes they tried to pull over us , but guess what, we came out tops after lots and lots of wrangling, and the Ombudsman .

So sorry to say we are NOT huge fans of Barclays

But at the end of the day, who gives a S---t, .

My life is fine .

[smiles] to you x

Ana Tue 21-Oct-14 21:17:28

I beg to differ, Nonu. The staff at my local branch of Barclays are wonderful! smile

Gracesgran Tue 21-Oct-14 21:13:47

I think your husband summed it up melotgran. You had obviously made it clear to the person you were dealing with that you were closing your late mother's account so the least they could do is deal with you with sympathy.

I would find the CEOs address and write to him/her. They need to retrain their staff!

Nonu Tue 21-Oct-14 20:01:32

Barclays are no better, believe me !!
hmm

annodomini Tue 21-Oct-14 19:42:58

I found the same when I was a CAB adviser, FlicketyB. Lloyds were a thorn in our flesh. They were reluctant to admit they were at fault even when confronted with incontrovertible proof.

merlotgran Tue 21-Oct-14 19:34:37

I will keep my appointment on Friday and close the account as it'll the last task concerning Mum's affairs so the sooner it's all behind me the better.

When I told DH he said, 'What a bunch of t***s. Do you want me to come with you?'

NOOOOOOOOOOOOOOOOO grin

FlicketyB Tue 21-Oct-14 19:19:04

Typical of Lloyds. We banked with them, DH refused to change, for about 25 years, for most of which they either infuriated me or drove me to despair. When I worked for Age Concern, as it was at the time, I dealt with more complaints about Lloyds than any other bank.

janerowena Tue 21-Oct-14 15:12:13

That's just illogical and weird and bureaucracy gone mad. Although, if in future years a cheque were made payable to him from an unknown account somewhere, it would be useful to be able to pay it in I suppose.

sunseeker Tue 21-Oct-14 13:54:58

When DH died I didn't close our joint bank account - is was the last thing with his name on it after transferring everything else into my name. When I wanted to transfer the account to another bank I wrote to the existing bank explaining DH had died and enclosing a copy of his death certificate. I got a letter back saying they couldn't close the account without his signature!

I transferred all the money to the new bank and the old bank now send me monthly statements showing a nil balance, although they have changed the name of the account into my sole name!

MiceElf Tue 21-Oct-14 08:09:31

Twitter's a good idea. It's amazing how companies jump, they don't like bad publicity.

grumppa Tue 21-Oct-14 07:35:55

A couple of years before my mother died we made her principal current account a joint one. This not only enabled me to settle her bills for her but greatly simplified things after she died, as I was able to close it when it suited me.

Just a thought for Gransnetters with APs (Wemmick's term of affection for his old father in Great Expectations - chosen to be as inoffensive as possible).

thatbags Tue 21-Oct-14 07:22:55

You should copy the link to this thread, merlot, and send them that. Do you want me to complain to them on Twitter?

Anya Mon 20-Oct-14 22:32:58

Just make sure you divide the £4.40 equally between all the beneficiaries and ask them to sign for it wink

merlotgran Mon 20-Oct-14 22:30:45

grin I hope they don't send the fraud squad round!!

janerowena Mon 20-Oct-14 22:28:41

grin

whenim64 Mon 20-Oct-14 22:18:53

That's the way, Merlot. Perhaps now they'll realise who they're dealing with! grin