Breadline Vs LLoyds +*+* WON +*+*+*

[breadline]

Can someone explain how i explain to the Branch that they need to take my £10.

I was advised in a Branch that the money would come from my account.
They where adiment that they would not take the cash and i could put it into my account if i wished to cover the cost.

They had also called the department i had request my statements from.

I was then advised i would get my statements a bit at a time as there will be so many?

Is there something that can be quoted to state that a branch has to accept the payment?
BL

[alanfromderby]

They don't have to accept any money for a Data Protection Act request - the mere fact that you offered to pay is sufficient to start the 40-day clock.

What is not clear from your post is whether you asked for the statements verbally - or if you delivered a Data Protection Act request, as per the library template. Also can you confirm whether they have told you in writing that they are sending statements.

If you didn't use the Data Protection Act template letter, you will not get confirmation that manual intervention did, or didn't happen.

[breadline]

Hi Alan i will start a BL vs LLoyds thread.
thanks
BL

[breadline]

Was going to start this on reciept of my statements but realise i may need help sooner.

Data Protection Act letter was sent recorded delivery, with a cheque.
Lloyds where stalling with the cheque so i offered to pay in the Branch, branch advised funds will come direct from my account, so cheque now cancelled whilst at branch.

Branch advised i will get my statements but in small packages as there is so many.
Branch actually offered to pull off 6 years of statements for me, but i advised they would have to highlight places of manuel intervention but the thought was there.

Im still awaiting statements, will up date as soon as they arrive.

Also short version updates will be in my signature section, as i do ramble ....

[graham]

hello mate
when i have asked for statements i have never sent off or been asked for any money and in the end allways recieved them

[alanfromderby]

Firstly, Graham - you have been lucky. Some banks have been using the lack of a payment as a means to delay compliance. The best advice is to always send a cheque - if they then decide to return it that's up to them.

Now, onto your situation. The fact that you posted a cheque with the Data Protection Act request means that the 40-days is activated on the day it was receievd by them. They can stall as much as they want deciding whether to cash it or not - that is their problem.

As far as the manual handling question is concerned - the DAP request explicitly asked for evidence, if they fail to provide then job done!

BTW - MOD NOTE: Have merged your earlier thread into this.

[breadline]

Thanks Alan.

Does it matter that the cheque is now cancelled by Branch As told the money would be coming directly out of my account?

Can they say i didnt provide payment now the cheque is cancelled?

Do you mean the 40 days to provide statements, still stand with them, if it turns out i do have to provide another cheque?
Once the letter is recieved you mean the date is sealed no matter what happens in the 40 days?

sorry to be a bit slow.

Many thanks
BL

[alanfromderby]

Originally Posted by breadline

Once the letter is recieved you mean the date is sealed no matter what happens in the 40 days?

No - the law states that the 40-days commences when they have received your request....and payment, should one be required.

As you sent a valid claim, along with a legal form of payment, that means the clock started. Whatever discussion they then decide to enter into about the payment does not stop the clock. They actually do not have to charge a fee - but the Data Protection Act allows them to charge a maximum of £10.

If they refuse to accept the payment, then later decided they want it, it makes no difference to when the clock was activated. That is the reason we advise everyone to send the payment with their request, as it stops banks from using the payment as a way of delaying compliance.

[breadline]

Thanks again, will update when statements come through.

BL

[breadline]

OK
recieved statemnets today as well as my sons which was requested aat the same time.

contents

1 covering letter.

4 pages of customer notes dated 28/9/2001 to 28/9/2005 contains conversations none identify manuel intervention unless there is a code?

then 100's of statement pages 27/12/1995 to 11/9/2001

10 pages from 10/9/2001 containing charges and fees only.

Its so annoying as even 10 years ago they where having £25 a month of me. AAGGHH

1996 unauthorised borrowing fee was £7.00 but theres up to 3 in a month!
1999 its £10 again 2 or 3 times a month.

Anyway looks like my charges are minimal as cant go back long enough.
So if im thinking right any charge over £12 is to be recovered for passed 6 years.

will have to tackle all this over a few days , as it makes the mind boggle.

BL

[alanfromderby]

Originally Posted by breadline

Anyway looks like my charges are minimal as cant go back long enough.
So if im thinking right any charge over £12 is to be recovered for passed 6 years.

will have to tackle all this over a few days , as it makes the mind boggle.

BL

Check out this thread:

Do you have charges going back more than 6 years?

[breadline]

Thanks Alan
Ive placed a post on there can you have a butchers for me.

Cheers
BL

[breadline]

Sorry i have not updated sooner.

I am claiming for it all and will request they sort through my cliam and advise what they think is incorrect. let them do some work

My claim is £612
My sons is £645.

have had the basic letter and information booklet for complaints procedure.

Letters sent off 10th May so the LBA sending on the 24th May.

Bit confussed about he interest, but going to have a go with the spread sheet.

I thought the interest i would claim would be the interest on my extra money they where holding ( charges) as i my self could have been earning that interest and they have earnt it with my money so thought it was mine to claim as this means they have made money out of me again.

Or

Am i looking at the interest they charged me on my over draftwhich is going to prove much harder for me to single out?

Can I also apply for costs so far minus the £10 for data.

I think £12.50 for a letter would be cool ( joke)

many thanks
BL

[alanfromderby]

Originally Posted by breadline

I thought the interest i would claim would be the interest on my extra money they where holding ( charges) as i my self could have been earning that interest and they have earnt it with my money so thought it was mine to claim as this means they have made money out of me again.

Or

Am i looking at the interest they charged me on my over draftwhich is going to prove much harder for me to single out?

Can I also apply for costs so far minus the £10 for data.

I think £12.50 for a letter would be cool ( joke)

many thanks
BL

I am currently claiming from Abbey and have added 16.9% interest on the basis that they have "borrowed" my money - have a look at my thread in the Abbey forum.

Certainly, if you can do the maths (although there is a new spreadsheet for those wishing to try), then this should be claimed as well.

You can legitimately claim back the £10 Data Protection Act, as it was a legitimate legal cost you incurred to establish what they had taken from your account.

The last one.........poetic justice, but may prejudice your case somewhat!!

[breadline]

Thanks Alan
Better go eat some brain food, how daunting is this LOl.

will let you know what i come up with.

Cant belive they would rater go to court and pay my legal costs and interest.

Lets hope they dont hehe

ADDED
Alun honey i have scanned 6 pages on your profile and looked in Abbey, is it quiet old. have you got a link?
Thanks
BL