Bring it on LTSB! - **WON**

Lusky · 7th April 2006, 16:42

Hi all, this is my first post.

I have been a LTSB customer for 25 long and sorry years and and finally decided to retaliate!

Went into my local branch yesterday armed with Data Protection Act letter and £10 cash. ( My account is so overdrawn due to excessive charges there was no point sending A cheque!)

Gave my letter + £10 to the lady behind the counter and asked for a receipt.
Total confusion!! She ran off to speak to several colleagues and I was left waiting for about 15 mins. Finally she copied the letter, stamped it with the banks stamp and wrote the confirmation of receipt of cash on it, assuring me that my request would be actioned.

I have also sent another letter to Customer Complaints Dept requesting that my
charges for Jan-March , £600, be refunded to my account as I believe them to be unlawful.

I have been and opened another bank account today to safeguard myself and
have arranged for any incoming funds to go to that so that LLoyds dont get their hands on it.

Why didn't we do this years ago??!!

commando · 8th April 2006, 17:43

Hi Lusky,
Welcome to the site, wish I had handed my Data Protection Act in person to my branch just to get some satisfaction.Good luck and keep us posted. You are 1 day behind me.

Lusky · 14th April 2006, 15:27

I know it is quite a short time since I handed my Data Protection Act letter to my branch but have just sent this e-mail to make sure they are on the case.

Just want to make sure the branch has actioned it.

Sent to Penny Berryman

ACCOUNT NUMBER: xxxxxxxxxxxx
Please find attached a copy of the letter which I delivered by hand to my branch
on 6th April 2006. I have a stamped copy of the letter and a receipt for the £10 which I paid.

As I have not yet received any confirmation that this request is being actioned
could you kindly confirm that I will be receiving the information requested in the near future.

Thank you for your assistance.

Kind regards

Lusky · 14th April 2006, 15:44

Also, forgot to mention previously that I have an appointment with my local MP
tomorrow morning ( not sure if I can say who or what constituency for confidentiality reasons) to ask him where he stands on this issue and what support he and his party are prepared to offer.

HD · 14th April 2006, 16:56

Quote:

Originally Posted by Lusky

Also, forgot to mention previously that I have an appointment with my local MP
tomorrow morning ( not sure if I can say who or what constituency for confidentiality reasons) to ask him where he stands on this issue and what support he and his party are prepared to offer.

Which party?
Let us know how you get on. After you get his views ask if he objects to you posting them on here with his details.

Lusky · 14th April 2006, 17:03

Conservative.
( No reflection of my own views! )

Will let you know!

Lusky · 25th April 2006, 12:42

I already sent preliminary letter relating to this years charges.

Recieved the usual reply from David Just refer to T&Cs or go to Ombudsman etc

I have just received my Data Protection Act info and now have charges relating to the last 6 years ( approx £2800 I just need to double check it all).

Will it be in order to send LBA and just add the additional charges that I now have?

commando · 25th April 2006, 13:02

Hi Lusky,
I sent my Data Protection Act request the day before you and still have'nt received them, going to e-mail miss money penny as you did.
I think now you have the total money owed the next step is to request it back,and then LBA.Good luck and keep us posted.

Lusky · 25th April 2006, 13:05

Thanks commando, keep hassling them.
Going to get LBA off tomorrow and will keep you posted.

Lusky · 26th April 2006, 17:19

LBA sent today recorded delivery.

Going to get my claim forms filled in now so I can get in started straight away after 14 days

.

Lusky · 28th April 2006, 12:14

Had another " Get lost " letter today in response to LBA stating that LTSB are not willing to add any other comments or correspond further.
14 days not up until 11th May.
Would it be safest to wait until then before filing my claim or should I just get on with it as they have said this is their final response?

Lusky · 10th May 2006, 21:04

14 days from LBA up tomorrow so going to file claim with court.
Today I recieved a letter from a different branch of LTSB to the one I have been dealing with saying that because I am over my OD limit ( by less than half the amount I am claiming and due to more charges ) that my agreement is terminated and they will not accept any credits or debits to my account.
have phoned them and told them my account is in dispute but the guy on the phone was having none of it.
Should I include something about retaliatory action in my claim?
Help apprecated before tomorrow please!

Lusky · 10th May 2006, 23:22

HD · 10th May 2006, 23:33

What agreement are they cancelling?

Is it the overdraft agreement?

Have they closed the whole a/c, I don't see how they can refuse to accept credits to the a/c if they haven't.

Have you opened a parachute a/c yet?

Lusky · 11th May 2006, 07:38

Sorry I don't have a scanner. They are cancelling the overdraft but the text of the letter states

"the balance of the account will need to be adjusted to allow for any further credits or debits to the account".

I do have a parachute account but just thought they were not allowed to take action against me while the account is in dispute?

Lusky · 11th May 2006, 17:19

Claim filed today personally at the court £3637 + £190.11 interest.
Will PM Bankfodder with details for litigation section

HD · 11th May 2006, 23:48

I think that they can call in an overdraft when they wish. I am pretty sure that they normally give notice though.

If they normally give notice, but haven't done so, I would view this as retalliatory action for trying to claim your money back. This would not look good for them in court unless they can give good reasons for doing so.

Maybe Dave or Bankfodder could give their views on this

Lusky · 12th May 2006, 00:13

Thanks HD.
Now that I've thought about it I'm not really that fussed to be honest. I'm hardly using the account anyway. I will only worry if they try and default me but even then they are going to look pretty silly as I've filed my claim with the court today.
As for not being able to pay credits to the account, even better as when they have have to cough up all my money I will pay it in somewhere else and they can have their overdraft back £10 per month. Happy days!

Lusky · 3rd June 2006, 10:25

Have received notification today that Lloyds intend to defend the claim in full.
I know this is standard but just to be sure, do I have to do anything or just wait until I receive the defence?

Taffoire · 3rd June 2006, 10:57

Hi Lusky, I'm on the same timeline as you and received the Acknowledgement of Service Has Been Filed this morning (Lloyds filed an acknowledgement of service on 01 June 2006). Apparently they intend to defend all of the claim. Awwww bless them!

As far as I can see from other forum users and the FAQ's we now wait for Lloyds to file their defence and we'll then receive a court allocation questionnaire to fill in.

I'm a little out of my comfort zone but am confident that this will settle before court. Even so, I've started getting my evidence together anyway, will relieve the stress later on in my case!

Please feel free to PM me for mutual support!

Taff x

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