LIOYDS TSB

I would like to accuse Lloyds TSB and Experian Ltd for operating to the

detriment and redusing to bancruptcy of my person.

1.

In period March 2008 - July 2009 I made several applications for loan. Every time my

request was declined ( they lent me 5000 Pounds in March 2008 but only because I had

got at that time long term saving account for exactly lent by them sum of 5000 Pounds ).

My explanations,talkings to bank stuff did not bring any results.

I wanted that money for my investition which I made abroad.

I have bought apartament in Bulgaria . At the moment of applying for loans I had paid

75 % of all property�fs price .

Almost everything from my own savings - it is about 30 000 pounds .I needed money

to pay further payments .

2.

Because of negative decissions I had to borrow cash from Credit Cards - 2200 Pounds

and borrow money in Poland - about 10 000 Pounds

Those lendings were very expensive - taken in last moment to avoid bancruptcy.

I had to experience stress ,took several times holidays from my work and made severals

travels to Poland only for one purpose - seeking for money.

3.

I have been customer of Lloyds TSB since 11/2005.

In 2008 I had got on my current account 10 000 Pounds and on my saving account

further 5000 Pounds.My salaries were over 1200 Pounds.

There are comings into my account for 3 months preceding my CreditExpert credit report

from 02/07/2008 which defined my account as a �gHIGH RISK�h

May 2008 - 5 541,79 Pounds

June 2008 - 4459,90 Pounds

July 2008 - 1268,32 Pounds.

4.

I tried to change my score .I made 2 phone calls and I wrote 2 letters to Experian Ltd. Of

course everything in vain.

5.

They reproached me also with the way I manage my account.

I do not understand what do they try to say.

I made investition.I decided to buy apartament in Bulgaria in very fashianable place at

first seaside lane for rent.

Every banker will say that to make further money you must it invest and that you can not

keep money useless.

6.

The biggest mistake which I have ever made was to put my money on 2 long-one-year-

term saving accounts - althogether 11 500 Pounds in Lloyds TSB .

I believed in my after-year interest.

During that year 2007/2008 because of becoming cheap British Pound on international

market and because of impossibility to withdraw that money earlier I have lost a lot of

money.

7.

This is why I decided to invest to avoid further losses.

I could not predict that bank with which I tied up my finances will start reducing me to

bankruptcy.

8.

I explained every time ,that they forced me for taking very expensive credits and that I ask

for credit to consolidate all my debts .They have known very well that after obtaining

credit from them I would able to pay back my existing credits and pay further money to

fill up my investition in Bulgaria-which will start to earn money for itself.

My monthly instalment would be lower about 150 Pounds .This mean that I would be

able to do small savings again.

9.

I have been in England for over 5 years. I can apply for British passport.

Since my arrival to England I changed my addresses very rarely.

On my last address I was living over 3 years.

I am on Electoral Roll.

10.

I have not had got any breaks in my employment.

I am very responsible person.In first half of 2009 when I was not earning enough money

in my one employment I took additional job to pay all my instalments and live with

dignity.

11.

They were joking at me writing that I can appeal if I do not agree with my credit score .

I tried to appeal many times to Experian and to Lloyds TSB.Every time I lost only my

precious time and I was forced to take last moment very expensive credits and spend

additional money for journeys to Poland (200-300 Pounds each time)-only one reason

why I several times lost my financial balance-and experienced stress.

12.

Every bank is established to help people like me .

If it is enough to live in England for one year and earn more than 700 pounds a month to

get loan , so why my requests were all the time declined .

Average Englishman has got 10 credit cards , a couple of loans , often he or she goes

bankrupt and after that he or she can still lend money from banks .

I do not understand , why such person like me , who is earning more than 1000 pounds

a month , is never late with payments is discriminated . I have never fought , that I will

have to fight with discrimination with bank .

13.

Once again I accuse bank Lloyds TSB and Experian Ltd for reducing me to bancruptcy in

period from March 2008 until present .

TRANSCRIPT WITH BANK MANAGER-Shifa Rashid

(23/08/2010)

Beata-there is letter in which I am asking for bank statements.I have obtained statements

for last year,I am asking for statements for 2 previous years and for references

Shifa-OK,what I do I will send that out and you might be asked for paying for these statements

I send it off and they do it for you.Is it OK?

Beata-statements for year 2005,2006 and for first half of 2007. We have obtained for last year statements by post .We are saking for references they are very important to us.

Shifa-OK,what for do you need references?

Beata-because if you do not want to give loan for us so we would like to apply for mortgage in Bulgaria

Shifa-O yes

Beata-so please send it to me this week

Shifa-so statements it is not enough?

Beata-no,because they have written that they need statements and references

Shifa-Ok I see what can I do for you.Can I see your card,can I look into your account?

How much do you need to borrow?

Beata-15 000

Because it is strange I have got 5000 loan,but I pay 122Pounds monthly and it is less than 10%of my monthly income.

Shifa-yes,yes I understand you completely,as I said you before you have got really good account

Yes I tried again ,but your request for loan is still declined

Beata-I do not understand I saved last year about 14 000 Pounds,and my account is very good but I have obtained references from Experian and they wrote that my account is very poor and I don�ft understand

Shifa-Why?yes it�fs very good

What do you need in your references

Beata-that we give you our wages every week,it�fs almost every week because I sometimes realise checks in Moulton in Cooperative ,where I work,that we can save money,that I had got 2 long term savings accounts in your bank,one for 6500 and second for 5000 Pounds

Shifa-long terms accounts,regular salary

Beata-and that we can pay investments for loans

Shifa-yes I write to Custommer Service

Beata-and we need it this week

So when?

Shifa-I can�ft guarantee,but I try

Statements will be this week.

Beata-so statements will be 100% this week

Shifa-yes,statements,will be 100% this week.

Beata-thank you,bye

Shifa-bye

TRANSCRIPT- SUBEI MIAH- BANK SENIOR MANAGER

(28/08/2008)

Manager-How can I help

Beata-I need statements for 2 years.They sent me for 1 year ,but I need for another 2 years

Manager-Ok

Beata-and I need references that I pay my wages every week

Manager-we don�ft actually do that,what you need it for

Beata-as I told you before I need it for my investments in Bulgaria

Manager-they need to wrote to us that they need information about your account

Beata-no they clearly wrote to me that it is my buisiness to provide them with all documentation

Manager-they must write to us with their enquires

Beata-but I told you they wrote to me that it is my duty to provide documents

Manager-I�fm telling what is bank procedure,bank will not provide letter unless they ask for this

Beata-but this is my personnal request

Manager-we can�ft do that

Beata-so write me letter ,without title�hreferences�hthat I pay my wages every week and that I had got 2 long term saving accounts-one for 6500 and second for 5000Pounds

Manager-I can not confirm this

Beata-why not,if it is true

Manager-we can�ft do it for you

Beata-so give me copies of my agreements that I established 2 long term saving accounts,one for 6500 and second for 5000 Pounds

Manager-we need request in writing

Beata-I can provide you in writing my request for copies of my agreements

Manager-here?

Beata-yes

And I need to obtain it this week together with statements

Manager-you must write�hfor attention to Branch Manager�h

And address it here because I will not deal with that

And send that here

Beata-why can�ft I speak with branch manager today?

Manager-You are speaking with one of managers I�fm senior manager

Beata-but you said that I should write letter to branch manager

But I want to write this letter today and leave it here today

What for I must send letter if I am speaking to you and you are designated manager

I don�ft understand if I�fm talking to you face to face.

Manager-letter is because we need to send it off

How long you are in this bank?

Beata-3 years

Manager-so bank doesn�ft send you statements at the end of every month?

Beata-I �fve got statements but not with me I need them once again from bank,I�fm foreigner and I left my statements at my home in the country of my origin.It�fs easier to me to ask you for copies of my statements,than go to Poland to take them.I need statements for the first 2 years

Manager-I can only order statements for last one year,but you have them?

Beata-yes,but I am asking for other 2 years

Marek-he is breaching your consummer�fs rights

beata-you all the time refuse me loans so what I need that is my statements and copies of my agreements

Manager-I can not help you

Beata-so give me shit of paper

Manager-here you are,put name,address,bank account number

(reads letter)-but you have got copies of these agreements

Beata-yes but I left them in Poland

Manager-ok give me your letter

Beata-I want xerocopy

Manager-here you are

Beata-could you sign me on my xerocopy that you obtained this letter

Manager-no.I�fm not going to sign it

Beata-so give me address where I should send this letter

Manager-no I �fve got next custommer

Beata-so give me back my letter I ask for it in reception.

We left his office .At reception lady (Polish lady) wrote references stright away and orderred statements for 2 years.She did not see any problems like Shifa and senior manager.

We wanted his signature that he received this letter from me because it was clear that Shifa did not send off my letter week earlier and I reasonably believed that senior manager will not do this too.