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24th April 2007, 22:13
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#81 (permalink)
| | Platinum Account Customer
Is your bank avoiding its debts Data disclosure poll Cagger since
: Mar 2006 I am in: Central Lancashire
Posts: 3,873
| Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs [quote=elsinore;765687] (b) at which the court will not normally hear oral evidence.
[/quote
Yes, there doesn't seem to be a choice, but one wonders what abnormal circumstances might allow it.
Els |
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24th April 2007, 22:28
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#82 (permalink)
| | Platinum Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Quote:
Originally Posted by ULTRA691 Hi new to site i worked out my charges at £5107 with interest over last 5 years with Lloyds TSB done the letters ,where do i send to my branch or head office cheers .ultra691 | Hi
Send it to:
Customer Care
Lloyds TSB
125 Colmore Row
Birmingham
B3 3SF
Please start up your own thread and then we can help you out on there.
Barty  |
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25th April 2007, 00:06
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#83 (permalink)
| | Platinum Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: Oct 2006
Posts: 1,059
| Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Hi Bong yes but what we/I write in it, I would also have to send it to lloyds 3 days before the hearing so we have plenty of time to think about it. (noticed i say we as i would need all the help i can get from you clever people.)
did you read my post about lloyds retaining statements for a min of 10 yrs, yet won't allow customers axcess.
Pen |
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25th April 2007, 15:25
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#85 (permalink)
| | Platinum Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: Jul 2006 I am in: Laindon, Essex
Posts: 3,943
| Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Out of interest Pen, have you recorded the phone call?
If not i would prepare your witness statement to include the info, name times etc, but don't count on it being decisive. If would be better if you had recorded the call with the other persons knowledge i should add, simply because then you can use it as evidence in court. It may still be evidence without their permission but i wouldn't bank on a court allowing it.
Ill have a think see if anything else comes to mind, its certain that they have your data and you are entitled to it, the only issue is getting the right evidence to force them to supply it.
Ill have a look back through your thread to read some more see if this gives me any ideas.
HTH
Glenn
__________________ Kick the shAbbey Habit Where were you? Next time please Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07 GE Capital (Store Cards) ICO says theyve been naughty MBNA - Settled in Full GE Capital (1st National) Settled Lombard Bank - SAR sent 16.02.07 MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA |
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25th April 2007, 16:54
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#86 (permalink)
| | Basic Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Lloyds have not responded to the Financial Ombudsman request to settle my query and i have now been allocated a case worker by the Ombudsman to negotiate with Lloyds direct BUT this can take up to 14 Weeks!!!! plus all the time i have already wasted. As my claim is £7K is it worth me waiting for the Ombudsman case worker to sort out with Lloyds or do i take them to court?? it wont be the small claim court due to the amount. Is there anybody out there with experience of going to court for claims over £5K??? please help im slowly getting defeated! |
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25th April 2007, 21:38
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#87 (permalink)
| | Platinum Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Hi Glenn, I wouldn't count on reading back through my thread being of any help, it is totally confusing and so much has happened, the main thread is Pen-V-Lloyd's TSB. But your right of course they do have my records and for some reason they are not allowing then out of the bank. I do think that on a few occasions they have made a big c... up with our account especially with O/Hs loan agreement. But I think there is more to it then that, I can remember something happening in the past but not quite what. I think It had something to do with a insurance policy with Scottish Widows, our insurance got canceled when they amalgamated after we had been paying it for years.
Anyhow, i did not record the call, i should have learned by now, i have read people doing it so often on here but I just called on the off chance.. and its always the same women Janet who I talk too. I was quite shocked when she told me they would not release any more info, actually I do have a letter from her, she sent me about 6 months statements last month and a letter stating " This is the final information from my initial searches. I have contacted all the various departments again and is still awaiting a response. If she can't get it then I have no chance.
pen
__________________ if i have been off any help to you please click my scales cases won 28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement 18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.
Last edited by Pen; 25th April 2007 at 22:04.
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27th April 2007, 13:58
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#89 (permalink)
| | Platinum Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Quote:
Originally Posted by Big Ninja J Hello all,
I have received what I guess is the standard response from Lloyds today stating that the charges are not default charges at all. I have therefore registered with this site and am preparing to move to the next level. Do people recommend a further letter to Lloyds promising court action or simply instigating a claim with the Small Claims Court? Wish me luck. | Hi
If it is the reply from your LBA then you should start the Court claim. If it is the reply from your Prelim you should send the LBA.
If you start up your own thread you can keep us all updated on there.
Good luck!
Barty  |
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27th April 2007, 19:13
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#90 (permalink)
| | Basic Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Okay guys, I do have all of my paper statements back to 1997 when my account was opened (sad bugger never throws any paperwork away!!!). Anyway, I have already sent Lloyds my LBA and the time has expired on this. I have been reading this thread with interest and wondered how I can go about testing the water with this one. Would I need to restart my claim, issue a new prelim and LBA with the charges back to '97, or can I add further detail now at this stage ?
Alternatively should I continue with this claim (my MCOL is ready to go) and then start a second claim for the earlier charges?
Last edited by BillyS; 27th April 2007 at 19:28.
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28th April 2007, 15:12
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#91 (permalink)
| | Platinum Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs If one has written evidence from a bank that transactional data from yonks ago exists, but that it would take disproportionate effort for the bank to supply it, under your Subject Access Request, would it not be simpler just to ask a Court to order the bank to supply it under an injunction?
It would cost a lot more, £150 or so, but clearly it would be well worth it, if that data revealed charges from many years ago, with many years contractual interest accrued. |
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30th April 2007, 13:20
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#92 (permalink)
| | Basic Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Hello Everyone. I have just joined the CAG today. on the 16th of April i sent my first letter to LTSB claiming 6 years worth of charges. I know for a fact that I could claim much further back but agian like may of you i was fobbed off with some line about all post 6 year info being in an archive somewhere. It would be great to hear if anyone has managed to go beyond the 6 year period for charges and will be keeping a close eye on this forum. I am today sending my second letter to the bank threatening with court action after receiving the very same letter that Fluffykaiser2 recieved. They now have 14 days to reply with offer of my charges refuneded plus interest or i will start court proceedings. I will keep you all posted. vbmenu_register("postmenu _731516", true); I will be going at this hammer and tongs....... |
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30th April 2007, 13:35
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#93 (permalink)
| | Basic Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: Apr 2007
Posts: 2
| Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs any body know what to do if bank doesnt give you details of past six years charges .I sent request off over 70 days ago and had no reply despite phoning 4 times information commission doesnt seem to have any teeth as it can only advise bank to cooperate |
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30th April 2007, 13:55
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#94 (permalink)
| | Basic Account Customer
Watch out, there are Claims Touts about! Cagger since
: Apr 2007 I am in: Berkshire
Posts: 24
| Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Hi. I dont know if this will help, but i managed to get the past 6 years off my internet banking and worked out my charges from there. Maybe this is something you could do. Just a thought.  |
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30th April 2007, 14:08
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#97 (permalink)
| | Platinum Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: May 2006 I am in: <---- over there
Posts: 1,310
| Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Indeed - if you end up simply going down the court order route (again, find that guidance note to save yourself £120 in fees), make sure you include all the paperwork you have sent, and the details of the data controller from the Data Protection Register - in one case (RBS, I think), the judge was so appalled by a delay they stated that had they known the name of the registered controller they would have made an order for their imprisonment. |
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30th April 2007, 14:26
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#98 (permalink)
| | Platinum Account Customer
Your bank owes you an awful lot more money than you realise See here Cagger since
: Oct 2006
Posts: 1,059
| Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Hi everyone,
after diging around in the garage, i have come up with some old statements. one dated Aug 1995 shows a debit for loan chargers 246.67. anyone know what loan chargers are. it is definitly not a loan payment because that is shown under a SO for £137.18. i have also unearth statements showing chargers where debited out of our account in 1998 for about £300.00. it's really bugging me knowing i have paid hundreds in chargers but cannot get the statements. I am going to put all these to one side for the moment whilst i deal with the court hearing but!! what shall i do with the loan charger one any ideas.
Pen |
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30th April 2007, 14:59
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#99 (permalink)
| | Basic Account Customer | Re: The issues raised by Llloyds bank defences and claiming beyond 6 yrs Could anyone tell me what LBA stands for?
Cheers |
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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