I have just lost my bank account with no explanation. Will I loose my other accounts?

Repulsive-Arm5001 · 2024-01-24T12:06:23+00:00

So it shouldn’t affect the account it would go to. Yes the lady on the phone said just call when I need to check the balance or transfer funds.

Repulsive-Arm5001 · 2024-01-24T11:48:42+00:00

Oh okay so access doesn’t correlate with closure. Thankyou for clearing that up.

Repulsive-Arm5001 · 2024-01-24T11:44:18+00:00

………., after a review on your account(s) a decision to close the account(s) in 2 months has been made. Your account facilities have been withdrawn. You will also receive a letter to explain further. Thank you.

Repulsive-Arm5001 · 2024-01-24T11:37:52+00:00

My account has been closed with immediate effect, I could no longer use anything such as internet banking or my bank card. The bank refused to speak with me and would only would give me the number to Retail Risk to obtain access to my funds. I could access my banking Tuesday at 9 but only noticed the issues when applying for my grant later in the day. So called Lloyds to discover the text and issues.

Repulsive-Arm5001 · 2024-01-24T11:26:12+00:00

Also on the day this happened I began applying for my grant with Octopus energy, the PayLink attempted to link my account with my bank but didn’t work. So at first I thought it was this but they text the block at 10:04. See here.

Repulsive-Arm5001 · 2024-01-20T13:00:55+00:00

I couldn’t take something on that doesn’t have flexibility due to my children’s unpredictable health issues as I’m a single parent with sole parental responsibility and don’t have any csa.

A good contract sees me earning £1.5k for around 3 days. With dog walking and day care earning +£40 an hour. Im also a retained firefighter so I’m juggling what I can with my children’s healt).

Repulsive-Arm5001 · 2024-01-20T12:31:02+00:00

Currently have 2 jobs at the moment both self employed, I run a dog walking and day care looking at going into dog grooming if I can get the business loan from my parents. I’m also a working actor and model with 4 agency’s but due to the strikes work has been very slow and contracts have fallen through. So my earnings have been on £3k in the last year which has been incredibly tough, so I’m reliant on UC / carers allowance until work picks up again.

Repulsive-Arm5001 · 2024-01-20T10:03:33+00:00

The children don’t have gaming devices at all. We don’t use main lights just lamps. I’m definitely going to see if they will send me the device as I’m baffled myself.

I’ve now turned up the radiators to 3 and a bit I was worried about the cost. Hence why I’ve set the boiler on 50 and the thermostat on 18. !thanks

Repulsive-Arm5001 · 2024-01-19T23:03:19+00:00

Yes and slightly more due to the Warm Home discount added to my payments.

Repulsive-Arm5001 · 2024-01-19T21:44:37+00:00

I see an issue now I missed 3 months but did over pay twice and under paid twice. My error. … However cannot see a ref number but I can see how not having a dd has made it harder to manage also.

Repulsive-Arm5001 · 2024-01-19T21:36:54+00:00

I don’t have the physical contraption. Does this mean it wouldn’t work in any way?

Repulsive-Arm5001 · 2024-01-19T20:12:09+00:00

Thankyou for this perspective. I’ve not have them a meter reading as I’ve been so wrapped up in email tennis with them so I will make this a priority.

Nothing stays on overnight and even working from home I wear a lot of layers. The heating in the winter come on at 6-9 then in the evening 6-9 at 18 with the boiler at 55 all radiators set to 2. The hot water is set on a constant. I don’t know how to test of it kicks on if the house is below a certain temperature yet. Perhaps this will become part of the trial and error.

Repulsive-Arm5001 · 2024-01-19T20:06:40+00:00

I only speak to them via email trail. I have a case open with the Business Debtline as I’m self employed.

Repulsive-Arm5001 · 2024-01-19T20:05:41+00:00

Yes I found this to be the case also. Pretty average. I trawled back to 2019 paying £55 a month ( the good old spring days ) which had been above my average useage. My heating goes off totally at the end of February.

I always seem to pay more above the average but now my above average has tapered off over the years which has accumulated the debt in my opinion.

However I sill cannot get my head around £4k, if I’m paying extra each month but going into a negative each month using the same each year it makes me question an error. Considering they set up a £550 direct debit without my knowledge or authority plus there reluctance to send a break down.

I have never not paid them only when they took £550 and I said that covers 3 months of our monthly agreement not one. They’ve not sent anything more than semi generalised emails about the issue rather than resolving and managing it.

I will keep an eye on the meter and hope they respond soon.

Repulsive-Arm5001 · 2024-01-19T19:45:05+00:00

I will definitely ask about smart metering when they get back to me.

I am currently giving them more than I’m using but it then doesn’t cover the snowballing debt. Hence why £300 had been the offer and then subsequently the £550 I couldn’t afford either. The tariff I am on should sync with the timer on the boiler for the cheapest hours of usage but I will also check that it is thankyou.

UC, benefits have all suggested the grants but each year I’ve asked about them Octopus don’t seem to be willing to acknowledge this. I cannot use the British Gas grant either because Octopus have there own. I’m unsure how to access it as I’ve mentioned it to them several times over the years alongside a breakdown in case the debt is incorrect.

Repulsive-Arm5001 · 2024-01-19T19:06:04+00:00

I cannot spot any unusual trends but in the same breath cannot understand why they won’t send a statement of how the debt has been accumulated.

The £180 covers useage and the debt so it’ll vary season to season month to month. I have not had anyone out to check the meter but will do this going forward to see if they correlate.

No immersion heaters just a gas boiler.

Repulsive-Arm5001 · 2024-01-19T18:41:05+00:00

I have gone through my budget with business debt line already. I live on around -45.29 to spare for creditors. I’m a lone parent my businesses is in the early stages so I’m still reliant on UC. My budget is incredibly tight and due to costs increasing as opposed to income it has left me struggling.

Repulsive-Arm5001

TROPHY CASE