A Reply from the Bank

I've received a reply to the letter I wrote to my bank on the 30th of last month, see here for background: http://hpanwo-voice.blogspot.co.uk/2012/08/my-letter-to-bank.html The reply reads:

 

Dear Mr Emlyn-Jones,

 

Thank you for letting us know about your concerns. From your letter I understand that you believe the agreement for your loan account and current account to be unlawful. We have investigated and please be assured that we can find no mistake. We understand that this situation has caused you concern and we want to restore your confidence in us.

 

I do not believe your letter has any legal bearing whatsoever in relation to your accounts. Given the contents of your letter I am concerned that you may be obtaining advice as to your legal rights from an unqualified third party or Internet website (my emphasis- Ben) which is unadvisable. If followed, it is entirely possible that this will cause you to incur a substantial amount in costs.

 

Under your Credit Agreement we expect you to maintain payments to your account on the agreed basis. As your account is currently in arrears we are proceeding with our normal action for the recovery of borrowing and if your account is not returned to order, this may lead to your account being closed for debt recovery purposes. This may also result in adverse information being registered at Credit Reference agencies which will effect any future plans for borrowing you might have.

 

Lloyds TSB also expects you to maintain your current account within any agreed overdraft facility and reserves the right to proceed with action for the recovery of borrowing against this account should you fail to keep the account in order.

 

(There follows a paragraph explaining how I can contact the bank's collections centre and a debt management agency- Ben)

 

If you are in any doubt as to your own legal position we strongly advise you to seek independent legal advice from a solicitor, showing them this letter. If you intend to appoint a legal representative, please let us have their details. Alternatively, if appropriate, you can contact your local Citizens Advice Bureau or Money Advice Centre, which you will find in your local Phone Book.

 

I know this is not the outcome you were hoping for. however, I trust I've explained the reasons for our decision. If you wish, you have the option to contact the Financial Ombudsman Service, so long as you do so within six months of this letter. Please find a copy of the relevant information leaflet enclosed. Also enclosed is a copy of our complaints leaflet which gives details of our commitment to how we deal with complaints.

 

It is important we resolve your query fairly, so if you feel we've misunderstood it or you have any further questions, or further information which may effect our decision, please contact me.

 

Yours sincerely.

 

(Name) Customer Services. Lloyds TSB

 

I've also had about 5 or 6 phonecalls asking to speak to "Mr Ben Emlyn-Jones". I always ask them to repeat the surname and first name and then explain that I am no longer trustee of that statute law corporation and refer them to the National Records Office. As regular HPANWO-readers will know, I've divorced my statute law self and destroyed all documents relating to my association with it, see here for background: http://hpanwo-tv.blogspot.co.uk/2011/07/destroying-my-passport.html and: http://hpanwo-tv.blogspot.co.uk/2011/06/quitting-my-statute-law-self.html I'll be replying to this letter with the standard Get Out of Debt Free series, see: http://www.getoutofdebtfree.org/