Next On My List

[BADMOTHER]

I have already won with First Direct, and I am still waiting for my statements from Lloyds. All the letters went on the same day (8th January ish!). I have rang the bank to chase them up and they said "all requests for statements are sent to a particular department and she didn't know the number". Anyway their 40 days will soon come round .

[Enron]

It may be wise when you contact Lloyds with your preliminary letter to let them know that you have experience of claiming in these cases.

And whilst it is the banks perogative to defend any action bought against it you are aware that as to date they have not appeared at any hearings to defend their penalty charge regime. As such to settle with you at an earlier stage would save them having to pay interest and court fees on your claim..... or words to that effect.

Alternatively if your not in a hurry follow the standard process.

I know there are some very interesting draft orders around at present which you could submit as a draft at the time of submitting your AQ.

	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.

[curlychic]

Originally Posted by BADMOTHER

I have already won with First Direct, and I am still waiting for my statements from Lloyds. All the letters went on the same day (8th January ish!). I have rang the bank to chase them up and they said "all requests for statements are sent to a particular department and she didn't know the number". Anyway their 40 days will soon come round .

Hello there,

My Subject Access Request went to Lloyds (London HO) on 18th December and they have til Saturday. Rang last monday and they said'my request was being dealt with and my documents would be with me within 7 days'. A week has past and still no documents. Rang again this morning and they told me my latter was in the post room and will be sent firat class today. We shall see eh.

If you sent your Subject Access Request to Londo HO, the number to ring is 01179433133. The guy will take your details and phone you back when he has found out whats going on. They do phone back the same day.

Hope this helps

curlychic x

	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.

[Enron]

Thats a Bristol phone number...... Lloyds HQ is based on the side of the docks if memory serves me right.

[curlychic]

Originally Posted by Enron

Thats a Bristol phone number...... Lloyds HQ is based on the side of the docks if memory serves me right.

Well i sent my S.A.R - (Subject Access Request) to London HQ and thats the phone number of the place where its being dealt with.

Ring it, dont ring it, the choice is yours...... I was just offering some help.

:o

	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.

[Enron]

No probs bud, wasn't being critical - just stood out as i'm not far from Bristol.

[BADMOTHER]

Thanks Enron and curlychic both. I will try the number tomorrow and also send a letter mentioning my proposed complaint to the information commission in the case of their failure to comply with my Subject Access Request, on or around the middleish of Feb'. Will eep my thread updated anyway

	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.

[BADMOTHER]

Just checked that phone number out, the girl who answered is gonna ring me straight back, the time now is 11:39am - 11:43 Chloe has just rang me back, and very kindly informed me that they received my letter on the 9th January and they do intend to get back to me (in the nick of time no doubt before the 40 days is up). They obviously have everything filed in date order and are dealing with each request as their 40 day deadline is due. Nice!

[curlychic]

Originally Posted by BADMOTHER

Just checked that phone number out, the girl who answered is gonna ring me straight back, the time now is 11:39am - 11:43 Chloe has just rang me back, and very kindly informed me that they received my letter on the 9th January and they do intend to get back to me (in the nick of time no doubt before the 40 days is up). They obviously have everything filed in date order and are dealing with each request as their 40 day deadline is due. Nice!

Well i am totally suprised......40 day deadline ends tomorrow and i finally recieved my statements through the door this morning

Step one accomplished......finally !

[BADMOTHER]

Nice curlychic, keep me posted as to how you get on as you are just ahead of me timewise. And good luck to ya (not that luck has anything to do with it!)

[Enron]

When your work out your charges, double check them, and go through the preliminary and LBA steps allowing 14 days for each.

It maybe worth specifying that you are aware that as of yet Lloyds have not defended their penalty charging regime in court and that if successful legal action was to follow they would be liable for both interest and the court fees.

If however they choose to ignore your communications, file either your MCOL online, or file an N1 at your local court.

In either instance send copies of your schedule of charges in triplicate to the MCOL office which I believe is in Northampton immediately quoting your case number, or include your schedule of charges in triplicate along with your N1 when filing your claim at your local court.

Once the AQ gets to you there is both the draft order on this site which has been issued, think GaryH posted it.

Or the following order which you could also include and mark draft order at the same time as submitting your AQ for the courts consideration:

KAZZAW v Lloyds Asset Card - EVERYONE READ post 15 & post 219 !!!!!!

	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

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	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.

[BADMOTHER]

Thanks for the advice Enron. I read the KAZZAW thread the other day fascinatig stuff I am also watching with interest m55dlc's thread in Lloyd aswell.

	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.

[Enron]

SECONDS AWAY ** ROUND TWO

http://www.consumeractiongroup.co.uk...round-2-a.html

[BADMOTHER]

Got to hold back with my prelim letter for now, because i'm worried they will close the account which has a huge overdraft that we can't settle just yet. But i'm still looking forward to the day that I can start this claim and get all our money back. I am gonna shop til' i drop, already spending it in my head!

	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.

[curlychic]

Whats going on ?
you seem to have dissappeared off the radar

[BADMOTHER]

Well, after all the bad news about Lloyds the other day, with that daft judge in Brum, my o/h's claim was settled yesterday. There was the letter when we got home "usually we don't refund etc,... but on this ocassion blah blah! His claim was for £782, and they have offered £750 which has already been credited to his account. We were about 10 days past the LBA expiry date, but hadn't got round to the filing at court bit yet.....So anyone having second thoughts about going through with their claim take a bit of encouragement from this!

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[BARTY]

Congratulations!!
Barty

[curlychic]

CONGRATULATIONS !



I thought we had lost you for a while

XxXxX

[BADMOTHER]

I'm always around here curly, mostly reading I admit. ...... I do miss the chatroom though as it goes, it was nice to blow off a bit at the w'end, us with no babysitter an' all!