User talk:Kathleen read

I AM BEEN GOING THRO A TERRIBLE TRAUMATIC ORDEAL FOR THE PAST TWO YEARS .WE WENT TO SEE OUR BANK MANAGER  TO SEE IF SHE WOULD GIVE US AN OVERDRAFT BECAUSE MY HUSBAND RAN A LITTLE BUSINESS EARNING £16.000 A YEAR AND WE COULDNT GET THE MONEY FROM CUSTOMERS TO PAY OUR BILLS. SHE OFFERED US A LOAN OF £15.000 WHICH WE EXCEPTED AND ALSO OFFERED US A REMORTGAGE WHICH WE REFUSED THE GUY THAT WAS SAT WITH HER SAYS THAT HE COULD HELP US IF WE JOINED LLOYDS TSB COMMERCIAL FINANCE .THEY WOULD HELP US GET OUR MONEY IN.WE SAID THATS GREAT .THE FOLLOWING DAY A GUY CAME OUT AND SAID HE WOULD SHOW US HOW TO PUT INVOICES THRO COMPUTOR .WE TOLD HIM WE DIDNT KNOW HOW TO USE A COMPUTER I HAD ONLY BEEN ON E BAY.MY HUSBAND HAD NEVER BEEN ON.HE SHOWED US HOW TO DO THE INVOICES SAID ITS EASY AND THEN SAID SIGN THIS PAPER INFRONT OF A NEIGHBOUR TO PROVE WE WERE MR &MRS BLOGG SO WE DID .HE WAS IN OUR HOME FOR APPROX 15MINS. IT WENT WELL FOR TWO MONTHS AND THEN MONIES  STOPPED GOING INTO ACCOUNT .WE WERE FRANTIC  WE EMAILED THEM RANG THEM  DOZENS OF TIMES BUT THEY WOULDNT ANSWER SO WE WENT TO SEE LLOYDS TSB MANAGER WHO HAD SOLD IT TO US AND SHE  REPLIED SHE HADNT GOT A CLUE HOW IT WORKED THAT SHE WOULD EMAIL THEM OR PHONE THEM .WE WROTE TO THEM NO REPLY SO WE WENT TO SEE HER AGAIN AND SHE TOLD US SHE HADNT HEARD FROM THEM EITHER.WE THEN WAS IN A TERRIBLE STATE SO WE TOOK OUT A MORTGAGE ON OUR HOME. THE BANK MANAGER SAID TO WRITE AND CANCEL IT.WE HADNT HAD AN AGREEMENT FROM THEM SO WE DID BY EMAIL AND WRITTEN. THE NEXT THING WE KNEW WAS A MAN AT OUR DOOR WITH A SUMMONS TO APPEAR AT COURT. TO BE MADE BANKRUPT FOR £8.000.WE APPEARED AND WAS MADE BANKRUPT.WE WROTE TO THE OSBUDSMAN AND IT TOOK MONTHS AND MONTHS ONLY TO BE TOLD THE OUTCOME WAS HE COULDNT HELP BECAUSE LLOYDS TSB COMMERCIAL FINANCE WAS OUTSIDE HIS FIELD.EVEN THO ITS LLOYDS TSB BANK .THE COSTS OF ALL THIS HAS SPIRALLED TO £91.000 and they have now taken our home to sell.WE WERE TWO NAIVE PENSIONERS IM ILLITERATE AND WE WERE 64YEARS WHEN IT STARTED WE ARE NOW 66YEARS OLD AND WAS DRAGGED THRO THE COURTS I HAVE NEVER BEEN IN DEBT I HAVE BROUGHT FOUR CHILDREN UP ON MY OWN AND NEVER BEEN ON BENEFITS. BECAUSE WE TRUSTED THEM AFTER 25YEARS WITH LLOYDS TSB THIS IS HOW THEY TREATED US PLEASE EVERYONE KEEP AWAY FROM THIS  BANKTHEY WILL SELL SELL SELL TO ANY EVEN IF YOU HAVE DEMENTIA I WAS A FIT PERSON BUT IM REDUCED TO SEVERE DEPRESSION WITH MEDICATION CANT FUNCTION CANT LIVE WITH IT .IM SUICIDAL.ALL PEOPLE CONNECTED WITH THIS SITUATION IE THE BANK EMPLOYEES IN QUESTION HAVE DENIED MISLEADING AND MISSELLING TO US WE HAVE SINCE FOUND OUT THAT OTHER PEOPLE HAVE BEEN IN SIMILAR CIRCUMSTANCES WERE THEY HAVE BEEN RIPPED OFF AND COMPANSIES HAVE BEEN BLED DRY.WE CANT FIGHT THE BANK BECAUSE THEY HAVE LEFT US PENNILESS. KATHLEEN READ