BEET v LLOYDS TSB CREDIT CARD

[kazzaw]

Now helping Beet with his claim for charges on his credit card. (He's jealous cos I've already had a result with First Direct!! lol)

Data Protection Act letter sent 26/6/06. No info received yet.

Sent an email to contactus@TSB. Keith Boden has been a helpful little soul!! After 3 emails here's his latest reply:

Just had a note from Card Services to say that they have received your request. The information is currently being retrieved from archive and they are hopeful that this should be with you soon.

Keith Boden - Lloyds TSB

I have reminded him that we're expecting the info by 7/8/06!!

[lychap]

My son is with Lloyds TSB and has sent his first letter regarding his bank account but he also has a Lloyds Visa Card which has hundreds of pounds of charges, is it the same letter for Credit Card?

[kazzaw]

If you mean the Data Protection Act Subject Access Request letter then yes it is the same. I amended it slightly to include "credit card account" & of course included the card number

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[kazzaw]

After quite a lot of emails to & from Keith Boden, Beet finally got his statements 4 days after Data Protection Act deadline!!

Just in the process of adding them up now.

[zonecrew]

Originally Posted by kazzaw

After quite a lot of emails to & from Keith Boden, Beet finally got his statements 4 days after Data Protection Act deadline!!

Just in the process of adding them up now.

Your lucky!

TSB are refusing to acknowledge that I had a credit card after 1999, even though they defaulted me in 2002!!!

Just a quick question if I may......can you tell me how much TSB charged for Late Payments and Exceeding the overdraft limit between June 2000 and October 2002 (in case i need to estimate my figures)

Many thanks......and good luck

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[kazzaw]

Claim submitted today through MCOL

CLAIM No: 6QZ69124

CHARGES: £477
8% INTEREST: £101.41
TOTAL: £578.41 + COURT FEE = £658.41

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

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dagnabbit

Good stuff Kazzaw - sock it to em

[kazzaw]

Acknowledged 10/10/06!

Solicitors are Sechiari, Clark & Mitchell.

Now where have I heard that name before?!!!

[kazzaw]

Got really excited this morning!!

Logged into MCOL & no defence received so I finally got to press the "JUDGEMENT" button. Everything went through OK & I even added on the interest accrued since the claim was submitted.

So far so good!!




Just logged on again & LTSB have now submitted a defence!!!!!!!!

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[kazzaw]

Defence received with AQ.

Is there any difference in filling out the AQ form for a Credit Card claim?
I've only done them for Current A/C charges before.

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[GaryH]

Nope, no difference whatsoever.

[kazzaw]

BEET has received a copy of LTSB's AQ today & a request for a copy of his to be sent to SCM.

Surprisingly SCM are unavailable during November & December!!

In section A of the AQ they haven't asked for the usual month to negotiate a settlement. Don't know if this is a good or bad thing?!!

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[matmondez]

I just about start a claim with Platinium Card so watching this with interest.



Good luck

Matt

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[kazzaw]

Received Notice of Allocation to the Small Claims Track (Hearing)

Hearing will take place at 10.00 on 4/4/07 at Nottingham County Court & should take no longer than 1 hour and 30 minutes.

Court bundle to be in no later than 14 days before.

It's a pity i can't use the bundle I've just lovingly prepared for my Egg claim which will now be shredded as they've made me an offer today!!

Not only are the banks wasting time they are also wasting trees & printer ink!!

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[GaryH]

You'll be able to use most of it, won't you? All the statutes and case law and stuff like that.

[kippy2]

ive got to give in bundle on the 26th jan and the court case isnt till april!!! :o

[kazzaw]

Originally Posted by GaryH

You'll be able to use most of it, won't you? All the statutes and case law and stuff like that.

Only problem is all the pages are numbered & when I put Beet's statements & correspondence in the numbers will be wrong. I'm going to cut off the corners where the page numbers are & re-photocopy it. At least it's all sorted in the right order. I just have to edit the index etc which I saved on the pc.

With a bit of luck they'll pay up before then - they've got a couple of months yet!!

[kazzaw]

Originally Posted by Kimmy01

ive got to give in bundle on the 26th jan and the court case isnt till april!!! :o

My Egg bundle had to be in by next Thursday (18th Jan) & the case isn't till April. But it has forced a settlement from them. I think the judges do it for ths reason.

[GaryH]

Yes, the earlier the date for document exchange the better it is for us. It forces the banks hand earlier which usually results in a much quicker settlement.

[kazzaw]

By 'eck! Doesn't time fly?!!!

It's nearly 4th April & still nothing from SCM! Sent in Beet's bundle in the nick of time but no bundle from the defence. Faxing non-compliance letter tomorrow to Court.

Getting worried now as it looks like Beet may end up in court & I've done everything for him so far!!!

What are the options if they don't submit a bundle or pay up before 10am on Wednesday? Could the case still go ahead?