mjanet v lloyds :** WON ** UNCONDITIONALLY

[Janet-M]

Wow LloydsTSB are quick .....only 8 working days ........ to say I can't have my money.

6th March Data protection request sent by email

7th March email recieved back saying they recieved it

8th march email recieved (dated 15th march) saying they will send info requested

10th March I sent another D.P.A request by email for my C/C details

10th March email back saying they recieved it

13th March email recieved saying they will send my C/C statements in
conjuction with my bank statement request

14th March bank statements recieved by post / manual intervention notes... no manual intervention when charges deducted

14th March letter before action sent by email , giving them 14 days to
repay me ( yes I know I missed a step , lesson learnt don't do important stuff when 3 kids are playing up around you )

14th March email back saying they recieved it.

15th March standard letter back by email saying ... NO.. refering me to banking ombudsman

15th March email sent saying I will let the courts decide on the legalities of your charges

When the 14 days are up I will start my claim , unless someone thinks because I missed a step I should do something else ?

waiting for my C/C info now but I'm not really exppecting to see any charges on them.

[richardc]

Well done and welcome! Keep us posted

[Janet-M]

16th March bank replys by email .........

Unfortunately I am unable to add any further information to my letter dated xx March 2006 and can only refer you to the terms and conditions of your account. However, I respect that you have your own opinion about our charges.

This letter is the bank's final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service.

this time enclosing a leaflet outlining how to contact them. Didn't think he understood me when I told him I will let the court decide on the legalities.
So now again back to waiting until my deadline I gave them.It gives me a week to read up on how to form a claim.Make some room for me on the litigations in progress thread ...it looks like I'l be joining it next week.

[kevin bennett]

Hi mjanet, I notice that you seemed to get a quick responce, ( as bad as they were) via email. Can you post the Lloyds TSB email address you used, as I have relyed on snail mail to date, and am to impatient to wait.....
Kevin

[Janet-M]

Hi Kevin , yes I was too impatient too the address I used was CONTACT.US@LloydsTSB.co.u k as you can see they recieve it then they forward it on .If you already have a named person that you are dealing with just put his name and any reference number in the subject line .. thats all I done.

[Janet-M]

Still have not recieved my CC information applied for under the DPR request so I am just about to send them a reminder that the time is ticking ..They have informed me that the last letter was their final response ,but they still have to send me the information I requested.Also whilst I know everything is done automatically by their pc's one thing I have noticed is every time it comes close to when my CC statement is due to be produced the payments I make become slow ie. Sunday 13th March I pay my balance by bank transfer it's taken out of my account before midnight the same night but shows Mondays date it's now 6 full days since they took it and my balance is still not cleared.I have just put a complaint in asking them why it's taking so long if it's an automated payment ? hoping somewhere in their reply they tell me it is done by a pc.

[Janet-M]

update
still not had acknowledgement of my complaint and my balance is still not cleared 8 days after they took the money out of my account .CC info still not recieved.
14 days I gave them to repay me are up tomorrow so claim due to go in.

[Janet-M]

Just phoned my branch to find out when my account was actually opened and was told 1957 , I protested and was assured it was correct .Only problem being I was not born for quite a few years later .Funnily enough they now agree ( after confirming it with a manager ) it is the wrong date but now can not tell me when it was.

[Janet-M]

I have had to phone the banks head office many times past few days ( nothing to do with claim ) and they talk about 'manual intervention' a lot now .Seen as David Just keeps sending out letters saying he doesn't understand what is meant by it I think the staff have been well coached in the CC customer services.Also seen as they keep charging everyone using that as an excuse they have just said to me '' even though we have used manual intervention on your account please let me know personally if you occur charges and I will see they are refunded to you''

[richardc]

I think that they don't know where to turn to justify the charges. In their solicitors' letter to me they did not try to justify by saying their had been manual intervention but that the fees had been laid down in my contract with the bank and therefore must be paid. Nonsense obviously, as they would not go to court.

I see charges rising again, as a result of the fees of teams of solicitors trying to find a valid defence and 'loans' to political parties to gain influence.

[Janet-M]

Claim put into court today , claim amount £324.34 including interest

finally recieved a copy of my CC statements .As I suspected no charges have been applied.

Also asked usher if I could sit in on a case they prefered to tell me and show me an empty room lol . I then asked very politely are the public not allowed in and was told yes it's still classed as an open court as long as neither party object to me being there , some contradiction there BUT I was on best behaviour so never pointed it out .Been told to come back on Wednesday and they will ask permission from ' both sides ' of a case ,as well as judge.As long as theres no objections I can sit in , he said sarcastically you can bring a few friends to lol . I think they where VERY suprised I asked .

[Janet-M]

UPDATE

Claim deemed served 9th April

Acknowledged with intention to defend 18th April

defence recieved by the court 3rd May

Defence recieved by me 6th May ( from court )

LLoyds told court they where unable to send the defence direct to me as they didn't know my address .Now in all fairness to Lloyds the fact my address and account number is on my claim and in light of the fact I have only had my account with them for 30 yrs then it is quite understandable they wouldn't know my address ... NOT

[rivendale0506]

Mjanet - don't keep us in suspense!!! What did their defence say??!!

[Janet-M]

Originally Posted by rivendale0506

Mjanet - don't keep us in suspense!!! What did their defence say??!!

I don't have a scanner to scan it in and it's to long to type out BUT as soon as I find someone who can scan it in for me I will put it in here .Hopefully over the weekend.

[Janet-M]

allocation questionaire recieved and has to be sent back by 8th June, on my to do list for tonight.
Sorry couldn't show the defence as no scanner but it is just the usual s*** about it being a service and I have not broke my contract.

[Janet-M]

allocation questionaire has been sent back .Will let you know if I hear any more

sent LBA over my DPAR on 6.6.06 ( just realised the date lol ) This is for a telephone call I had with their call centre .Reciept recieved for my request then they just ignored it.