Getting one over on Lloyds
Small victories against banks seem to be popular. Here's mine.

I moved out of the UK a few years ago. Before I left, I had an overdraft and a loan with Lloyds bank. The move came about because of losing my job. I had sod all money, and had to move quickly. I took a job in central Europe.

I hadn't managed to keep up my repayments during this time, but I wasn't trying to run away from the debt. When I had managed to secure somewhere to stay in my new country, I wrote to the bank, letting them know my new address, and asking if we could discuss clearing the debt.

In return, they sent a change of address form.

I duly filled this in, and enclosed another letter, asking how I could repay the money I owed them.

Their response was that the signature on the change of address form didn't match the one on record (it was my normal signature). They were not willing to accept the change of address form, as they could not be sure it was me. They insisted that I should get a notarized copy of my passport and a copy of my lease (translated into English).

I was pissed off by this. I had tried to be helpful, to take responsibility, and they were making it difficult for me. I decided just to ignore it.

About 3 months later I received a letter from them, asking how I was going to repay the money I owed them. I sent them a copy of their previous letter, stating

"I enclose a copy of previous correspondence in which you state that you cannot be sure that I am the person who owes you this money."

I haven't heard from them since.
(ragged, Fri 11 Feb 2011, 13:32, 5 replies)

I bank with these dick nosed tossers
I have them in my phone under, cunts!
(bROKEN aRROW PUA HVI Master, Fri 11 Feb 2011, 13:55, closed)

Well played Sir
Very well played.
(Eggstrovert isnt patronising you...honest..., Fri 11 Feb 2011, 14:08, closed)

Hahahahahaha!
Ye gods, how I would LOVE to do this. Especially to Lloyds, although from what I've heard on here the rest of them seem to be every bit as bad.
( .Yeti. El amor en los tiempos del cólera, Fri 11 Feb 2011, 15:12, closed)

Well played!
Fantastic work there - I love it when people turn the bank's own policies around on themselves!
(Anne Frank started to build a loft conversion on, Fri 11 Feb 2011, 17:40, closed)

I was considering doing this with Student Loans Company.
I decided to give them their pound of flesh* though.

*According to our contract I was not legally obliged to pay them at all but they would insist I set ip a DD just in case they forgot, so I payed them by cheque now and again.
(Me, I'm not... in any way intoxicated, Fri 11 Feb 2011, 19:02, closed)