Lloyds Banking Group PLC
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No words to describe my disgust
Such an awful awful bank but they all are let's be honest. So... I was unfortunately in a position where I had to obtain a debt relief order. This is now 7 years ago. So basically, in 2018 Lloyd's added two accounts which were covered by the DRO to my credit report - whilst the DRO was still running (I know LOL right), obviously that was at best immoral and at worst downright illegal so I wrote to them. After some months and wrangling over the phone and my numerous letters (and without bothering to write to me), they removed the dead accounts (which let's just note were closed in 2002 and 2011 respectively). Fine. Or so you'd think. Well my DRO was discharged in April this year. Joy! There I was all ready for my credit rating to go up in June and be able to refinance my car so I can continue to work (I have serious mental health issues so I cannot use public transport to get to work). Let me just add that I spent 2019 clearing ALL my debt so I now have zero debts. So, you can imagine my utter shock and disgust when I check my June credit report to see that Lloyd's have ADDED a NEW Current Account and a NEW credit card! (Same account No's as those on my DRO). Not only did they add 2 NEW accounts, they also took the liberty of adding the same two accounts to my file as DEFAULTED so I now have FOUR Lloyd's accounts on my credit file yet have not been thier customer for 9 years. So, I wrote to them. No response. Wrote to them a 2nd time, by recorded delivery. Letter delivered. No response. So I call them. Spoke to a lady called Chelsea who bless her heart, could do sweet FA but take my complaints and give me a ref No. This was beginning of May. I have subsequently called Lloyd's 8 times and written a further two. Each time I called I have been fobbed off "Someone will call you. No, they will. Honest"... 🙄 I'm still waiting. I wrote to all x3 credit reference agencies thinking, let's try a 2 pronged attack, well Lloyd's the cheeky beggars (and I have this in writing LOL) told all 3 of them..... We need a drum roll.... "We cannot find any information or data relating to this customer" So let me get this straight: I'm not your customer; Have not been your customer for 9 years; You have no data on me whatsoever; But... I have a NEW credit card A NEW current account And 2 accounts in DEFAULT. Mmmmmmmkayyyyyy😂 At that point I took it to the Ombudsman because let's be honest, there is clearly some MESS GOING ON🤬🤬🤬 Utterly disgusted and lost for words. I'd like to ask them to delete all my data as per a GDPR request but.... They don't have any data about me do they? We've got that in writing 😂... And yet, apparently I have 2 new accounts and 2 in default. And the last point - what they have done is illegal. All these unscrupulous Charlatans in finance should be in prison. Its disgusting what they get away with it really is.