consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Lloyds Bank > LloydsTSB Successes

LloydsTSB Successes **Existing Successful Claims Only *NO* New Threads Please** - Contact a moderator to move your thread


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 13th April 2006, 15:13   #1 (permalink)
weststreet
Basic Account Customer
Default West v Lloyds ***WON***

Can anyone tell me the right e-mail address to use to chase up a Data Protection Act letter ?

I sent my letter off 03/04/06 Recorded !st class with P.O. for £ 10.00 fee. The Royal Mail site isn't showing it as delivered so no tracking available. Have asked P.O. enquiries if the P.O. has been cashed but reply will take 2 weeks. So I'm in limbo - I don't know if the problem's with Royal Mail ( lost ) or Lloyds.

So I thought I'd e-mail Lloyds and ask for confirmation they've received the Data Protection Act request ( would at least know whether it's in-hand or whether I have to re-do it if lost ) but what's the right e-mail address to send this query to ?

Thanks
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th April 2006, 15:43   #2 (permalink)
lee6370
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Feb 2006
Posts: 344
lee6370 Novitiate
Default Re: Newby and a Question Straight Off

contactus@LloydsTSB.co.uk do not assume it's lost, if the bank sent you a letter, they would not assume it was lost. You have proof of posting so just proceed as if they had recieved it.
lee6370 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th April 2006, 16:13   #3 (permalink)
weststreet
Basic Account Customer
Default Re: Newby and a Question Straight Off

Thanks Lee

I think the fates are conspiring against me. Sent an e-mail to the above but it wasn't accepted :

Your message

To: Contact Us
Subject: Data Protection Act Request
Sent: Thu, 13 Apr 2006 15:01:03 +0100

did not reach the following recipient(s):

Contact Us on Thu, 13 Apr 2006 15:01:28 +0100
The message could not be delivered because you do not have create
permissions on this folder or it is only available to folder owners at this
time
The MTS-ID of the original message is: c=gb;a=
;p=LloydsTSB;l=IMC0604131 401HYSYJ0T0
MSEXCH:MSExchangeMTA:LTSB UK:EXCRSLTSBNET002


Any other e-mail addresses that would work ?

Thanks
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th April 2006, 16:40   #4 (permalink)
Janet-M
Platinum Account Customer
 
Janet-M's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 5,107
Janet-M AuthoritativeJanet-M AuthoritativeJanet-M AuthoritativeJanet-M AuthoritativeJanet-M AuthoritativeJanet-M AuthoritativeJanet-M AuthoritativeJanet-M AuthoritativeJanet-M Authoritative
Default Re: Newby and a Question Straight Off

If you have internet banking then you can do it from their site . If it is now showing a different email address on the site can you please let us know.I sent all my letters by email to that address with no problems .Maybe they are being swamped and have blocked it but I really can't see that.
Janet-M is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th April 2006, 17:23   #5 (permalink)
HD
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 298
HD NovitiateHD Novitiate
Default Re: Newby and a Question Straight Off

Quote:
Originally Posted by weststreet
Can anyone tell me the right e-mail address to use to chase up a Data Protection Act letter ?

I sent my letter off 03/04/06 Recorded !st class with P.O. for £ 10.00 fee. The Royal Mail site isn't showing it as delivered so no tracking available. Have asked P.O. enquiries if the P.O. has been cashed but reply will take 2 weeks. So I'm in limbo - I don't know if the problem's with Royal Mail ( lost ) or Lloyds.

So I thought I'd e-mail Lloyds and ask for confirmation they've received the Data Protection Act request ( would at least know whether it's in-hand or whether I have to re-do it if lost ) but what's the right e-mail address to send this query to ?

Thanks
I used penny.berryman@LloydsTSB. co.uk

That was a couple of weeks ago
HD is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2006, 11:13   #6 (permalink)
weststreet
Basic Account Customer
Default Re: Newby and a Question Straight Off

Thanks All

My home computer doesn't work with this site, so had to wait till at work to respond.

HD - I used your e-mail address and it hasn't come back, so we'll see what happens. Mjanet, don't know what was up with the Us address, but I couldn't get through on it.

Feeling frazzled here. The account was closed last year and we have only a handful of statements for it. Weren't online with it then, so we really need those statements/info before we can go forward. I actually think Royal Mail haven't delivered it/have lost it.

I'll sit tight for a couple of days to see if I get a response from penny.berryman@LloydsTSB. co.uk . Otherwise I think I'll have to send the letter off again and get another postal order ( no cheque book ).

Thanks for all the help.
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2006, 18:41   #7 (permalink)
weststreet
Basic Account Customer
Default Re: Newby and a Question Straight Off

Well Penny hasn't responded today.
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2006, 18:46   #8 (permalink)
Spiceskull
Platinum Account Customer
 
Spiceskull's Avatar
Default Re: Newby and a Question Straight Off

When you say that Royal Mail have not delivered, have you checked 'Track & Trace'

http://www.postoffice.co.uk/portal/po/track

All you need to do is enter the date you posted it and the reference number from the ticket you stuck to the letter. This should then tell you if/when it was delivered. If it wasn't, then I would get onto Royal Mail.

Good luck.
Spiceskull is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2006, 22:52   #9 (permalink)
weststreet
Basic Account Customer
Default Re: Newby and a Question Straight Off

Thanks Spice

I already have. It says tracking unavailable till delivered ie not delivered. But I know sometimes the posties don't scan them in so there was a chance it really had been delivered. I was hoping the penny berryman e-mail would mean they provided the info anyway ( thinking it's lost in the branch system ). Just my luck, I send it recorded - and it gets lost !

An idea - I've read somewhere here that Lloyds won't accept cash at a branch ?? It would save me time now if I give the letter plus £ 10.00 at a branch ( not where the account was at ). Is that not possible ??

Thanks
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2006, 23:09   #10 (permalink)
Spiceskull
Platinum Account Customer
 
Spiceskull's Avatar
Default Re: Newby and a Question Straight Off

In all honesty, I think that if the post office says it has not been delivered, then it probably hasn't been. Hand delivery would be the next best option. Make sure you get someone at the branch to sign for it, and also for the £10 Data Protection Act fee.
Spiceskull is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 18th April 2006, 23:28   #11 (permalink)
weststreet
Basic Account Customer
Default Re: Newby and a Question Straight Off

Thanks Spice

Hand delivery plus cash it is then.
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 21st April 2006, 00:23   #12 (permalink)
weststreet
Basic Account Customer
Default West v Lloyds

Just starting my own thread to keep track of things. This actually is for my O/H who I've been helping to sort out his finances/debts.

Early days for us. Today hand delivered the Data Protection Act letter to a Lloyds branch with the £10 fee.

I haven't a clue what the charges will come to. O/H was self-employed with long gaps between jobs. I know the credit cards/loans etc got bouced whenever he was in a gap. When he finally told me how bad things were, we went through what statements he had, and in one month Lloyds had charged over £360 in returned d/d's and unauthorised overdraft fee. But because he didn't keep statements this month could have been a 'bad' month with nothing like it before. Like I said we've no idea what these charges will add up to over the 5 years ( he closed the account this time last year )

Will update this thread as we get more info/further along the path.
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 21st April 2006, 00:29   #13 (permalink)
Bookworm
Platinum Account Customer
 
Bookworm's Avatar
Default Re: West v Lloyds

Good stuff. Let us know, and remember to breathe when you get those statements!
Bookworm is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th April 2006, 22:46   #14 (permalink)
weststreet
Basic Account Customer
Default Re: West v Lloyds

This sounds pathetic but ........ we've just had our first e-mail from the infamous Keith Boden and felt quite chuffed .... like something is happening at last.

Have been advised that your request is being dealt with under reference xxx. Our Copy Statement Unit will be in touch with you in the near future.
Regards

Keith Boden - Lloyds TSB

How sad is that ??
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 25th April 2006, 23:36   #15 (permalink)
finman
Basic Account Customer
 
finman's Avatar
Default Re: West v Lloyds

I got one of those today, arn't they crap. On the phone to phone bank for my last 12 months of charges, already upto 4k inc intrest, it is scary how they have got away with it for so long
finman is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th April 2006, 01:10   #16 (permalink)
weststreet
Basic Account Customer
Default Re: West v Lloyds

Shocked at the speed. Data Protection Act letter & £ 10 given at branch on 20th April. Response from Lloyds by post today. No statements ( which is what I was expecting ) but :

' View statement entries ' - List of charges/type/date/value
' Customer Notes ' - O/H's history with them. All the abbreviations mentioned in one of the main threads, haven't a clue what they mean e.g. EXMGMT.

Charges are £ 1,500. Will get O/H to sign first letter asking for refund and send tomorrow.
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th April 2006, 17:07   #17 (permalink)
weststreet
Basic Account Customer
Default Stupid Question

Just doing the first request for refund.

BF's template says ' I calculate that you have taken £xxxx plus £xxxx which you have charged me in overdraft interest for the sum which you have taken. Total £xxxxx '

It's the interest bit. I thought you couldn't recover the overdraft interest unless it was totally/provably generated by the charges. And I thought the 8% interest only applied when you file the Court claim.

So am I correct in thinking I am only asking for a refund of the charges back at this point ?

Sorry if it's a dumb question
weststreet is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 28th April 2006, 17:08   #18 (permalink)
dave
Site Team
The Consumer Action Group
 
dave's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2006
Posts: 4,729
dave has disabled reputation
Default Re: Stupid Question

You are correct.
__________________
If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.
Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.
Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

------------


Add me as your friend on FaceBook - I need all the friends I can get

http://www.facebook.com/profile.php?id=577405151

------------

Fed up with being ripped off, or mistakes by companies that cost YOU money?

Register their failures at The Consumer Information Database:
http://www.cidb.co.uk

and try the chat room - come and say hello: http://www.cidb.co.uk/chat

dave is offline