Harresment from Lloyds collection department

[scorpio_manuk]

Afternoon to you,
I have recently sent off the request (29th March Birmingham) under the Data Protection Act for 6 years of info with the obligatory £10 postal order to start my claim against unlawful bank charges. The collection department (Brighton) since the DPA has been received have been making my life hell calling me at home and work all the time regarding a £360 overdrawn account (Claim I will be making is in region of £10k, I think) I have made them aware of the claim and also told them to stop phoning me at home and work and to remove all phone numbers from their records and any future comunication is to be in writing only. They have refused to do this, I seem to recall from some where it may be an offence to this has any one any idea what it is so I can quote it and who to address the complaint to ???.

Any help will be apreciated on this as I am getting really fed up with them now.

Kind regards, Scorpio_manuk

[breadline]

Hiya
this is off another thread
in the everything else section.

If you write to them telling them that you will only enter into correspondence with them through the post, if they phone you after that, they are in breach of the Wireless Teleghraphy Act 1949.

hope it helps, its the collections agency i have trouble with and this is on the way to them as i type.

good luck with your claim , nice big amount.
Have you opened an action thread now you have started the ball rolling, so we can all watch as you go.

BL

[Alison82]

Wow, I'm sure that 10k will come in handy! Are you still able to conduct you claim in the small claims court or will you have to go to a higher one?

Good luck

[scorpio_manuk]

Hi Breadline,
Many thanks for the info on that just could not think of it will fire a letter off to them now quoting this. I would like to say that I have been lurking around here for awhile and just got the courage up to have a go at reclaiming the charges after reading the experiences of others. I have set up a parachute account with Nat West (Step account) about 3 weeks ago they where really good just looked at driving license and 3 minutes of form filling all done and dusted and working now. I have decided when I get the statements from them that I will only go for the charges not the interest as advised for simplist reclaiming of money. Is there a list or perhaps we can start one for all the "people" in Lloyds who are just computor generated signitories. This could go to show that the complaint was not investigated properly and a general pattern of non aceptable complaint handling in general by a non human being and aid matters for claiming costs if a case has to come to court.

Kind Regards, Scorpio_manuk.

[scorpio_manuk]

Originally Posted by Alison82

Wow, I'm sure that 10k will come in handy! Are you still able to conduct you claim in the small claims court or will you have to go to a higher one?

Good luck

Hi Alison82,
Will try for small claims but will county court it if I have to. Will try all along the line as a thread in all correspondance to keep requesting info on how the bank charges are calculated and procedures are done. Will also let them know on each bit of corespondance that if they force the issue and they take it to court doors and I issue then I will try and force them to give it to me. Will see if this does the trick but it all seems to be falling into a pattern now on people claiming. Standard kiss off letters all along the line and only pay up when issued against and cost more to the bank profits by having to pay out additionaly for court costs on top of refunding the money !!!. That would be an intersting line for some shareholders to take up and the next anual general meeting me thinks !!!!>

Kind regards, Scorpio_manuk.

[breadline]

Hi Scorpio

I thought to my self well £10 for possibly £2000 what have i got to loose. Then the more i read the site the more i relaised it is actually possible. Its brilliant... theres no way i could do this with out being here.

Theres help here with all the complaints procedures as well.
But as you say it would be interesting to see how many people have had wrong procedures.

How about a joint claim we all go intogether, rent a court room for the day and kick donkey butt. LOl.

BL

[scorpio_manuk]

Originally Posted by breadline

Hi Scorpio

I thought to my self well £10 for possibly £2000 what have i got to loose. Then the more i read the site the more i relaised it is actually possible. Its brilliant... theres no way i could do this with out being here.

Theres help here with all the complaints procedures as well.
But as you say it would be interesting to see how many people have had wrong procedures.

How about a joint claim we all go intogether, rent a court room for the day and kick donkey butt. LOl.

BL

Breadline,
Well my thinking is perhaps if it could be shown that Lloyds are not investigating complaints/claims on an individual basis or properly by that I mean wholesale just sending out standard letters signed by non existant human beings as a matter of policy to just delay things then there could be cause for the banking onbudsman and OFT to investigate their actions. Like wise with the shareholders if it could be shown that as a matter of policy they only settle claims when a summons/writ is taken out that they are incuring extra costs when they should settle before and save on costs which come out of profits, the shareholders could act and remove the directors at an AGM for this. The one thing that suprises me is that one of the banks has not taken the line of ethical trading line and anounced that for any account which has received charges over the last 6 years they will refund them automaticaly as they where wrongly imposed. This would cost them initaly but would be a write off and claimable back against taxes payable by them so reducing the cost of this action. Also add into the equation it would attract new business to trade/open accounts with them and restore peoples confidence with them.

I really think that one of the banking action groups with some clout needs to sit down with the likes of the banking onbudsman and OFT and show how the banks are dealing with the claims so that they can apply pressure on them to settle the "Fees" claims in a more human and fair way.

Kind Regards, Scorpio_manuk.

The thing is alot of people pull out before they get to claim costs on top of it.

So the bank by taking a few cases that far and having to pay costs are, in the long run saving money for themselves AGAIN!

[scorpio_manuk]

Originally Posted by Lueeze

The thing is alot of people pull out before they get to claim costs on top of it.

So the bank by taking a few cases that far and having to pay costs are, in the long run saving money for themselves AGAIN!

Hi Lueeze,
Well it would seem that a high percentage of the good folk here seem to be standing their ground and getting results and seeing it through to getting their money back which means issuing to get it on the whole. I would bet the same is true of other groups of people on the net once they have seen the light and that people are getting their money back. It should be like a snow ball running down hill gathering speed all the time and get them to think that they can and will get there money back from the banks. I think that the banks are begining to feel the preasure of this already with the number of Data Protection Act requests in the pipe line and correpondance they are having to send out. Let alone the legal eagles which are having to get involved and settle the claims now as well.

Kind regards, Scorpio_manuk

Yep im sure anyone who is on the net will soon realise they can get all of it back and stick to it!

I HATE BANKS! Im so lucky to be on here tho!

[breadline]

Hi scorpio

Im mentioned this in another thread, with any bad publicity like this thier is a fall out.

One bank is going to be wise and catch that fall out, the oppurtunity will be there.

And i will be in the que on open day. lol

but till then,
can i take your brain to court with me,
BL

[scorpio_manuk]

Originally Posted by breadline

Hi scorpio

Im mentioned this in another thread, with any bad publicity like this thier is a fall out.

One bank is going to be wise and catch that fall out, the oppurtunity will be there.

And i will be in the que on open day. lol

but till then,
can i take your brain to court with me,
BL

Hi Breadline,
Please do not worry about your situation, if you look at the history of others who have trod the path to recovery there is a clear pattern formed you send a letter they send a certain standard letter signed by XXXX then you send a letter and they send a standardtill it gets to a point where you issued then it goes to a firm of solicitors or to give them another name "loss adjusters" they make you a few offers then settle it in full if you hold out and appear to be digging your heels in they use carrot and stick you been nasty and want your money back they will be nasty and take facilites such as cheque book, overdraft, debit card away from you. Its the game that all the banks are playing unfortunatly. Stick with it and you will win and try to laugh as you go through the asembly line of standard responses and remember keep asking the most embaressing questions of all, how do their processes work and what are the real costings they of cause do not want to tell you and keep refering to it in all letters and when dealing with solicitors as well.

Kind Regards, Scorpio_manuk

[mrposh1]

stick with it the letters they send out we have recived they said they would take my overdraft,cheque book and debit card away i told the would have a job seeing as i have none of the above

[scorpio_manuk]

Originally Posted by mrposh1

stick with it the letters they send out we have recived they said they would take my overdraft,cheque book and debit card away i told the would have a job seeing as i have none of the above

Mr posh 1,
Well I think it is standard letter one when the chimps (they are cheaper than humans to employ) quickly read first letter, standard letter 2 for next and so on and if you wont go away then they give back back the money eventualy !!!. Thet Include in the standard letter veiled threats to remove this and that even though they know they are in the wrong which is scandalous to say the least. Would really like to see a day of action/marches called with groups meeting up for all the banks and then split up and march to protest out side each of the banks head offices in London !!. Would really get the charges issue noticed and perhaps a few MP's with marginal seats might get on the case and get the banks to refund the charges will less hastle and stop them from doing it in future !!!.

Kind regards, Scorpio_manuk

[breadline]

Originally Posted by mrposh1

stick with it the letters they send out we have recived they said they would take my overdraft,cheque book and debit card away i told the would have a job seeing as i have none of the above

LMAO
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