Thread: Help me, please, about my S.A.R to Lloyds TSB

Originally Posted by mimi24

Hello everyone,
I am new to the forum and any help and advice i receive will be hugely appreciated.
I believe i am a classic case of mis-sold loan protection by Lloyds TSB. My account manager at the time advised me that purchasing loan protection will not only improve my chances of getting the loan, but also of getting the load at a lower interest rate. Silly me, i believed her. Now i know that what she told me was totally untrue, and i also doubt that i qualify for the loan being self-employed and etc.
It goes without saying that i am very unhappy with my loan protection and that i want my money back. But before i start reclaiming my premiums , i should get my terms and conditions to read about exclusions and so on.
The interesting thing is that at the time of purchasing the loan protection, my account manager didn't give me the full terms and conditions because she couldn't find the loan protection policy wallet( the booklet with the full terms and conditions).So, basically i don't know what i signed for.
I am going to write a Subject access request to aks for the full terms and conditions, but i am not sure what to request exactly. Any advice on that?

The thing is that i do a lot of banking with Lloyds, and if i send a full S.A.R asking for every single peace of information that they ever had on me, I am sure they will send me a truckload full of documents.

Since i am going to complain only about my loan and the loan protection, is it possible to ask only for all the information the bank holds pertaining specifically to this loan and to this loan protection policy???????
And if i do so, shall i pay the full £10?

Can i also ask the bank to send me a break down of my loan charges such as premiums, interest on premiums and etc?
Can anyone think of anything else that i should ask in my S. A. R?????

Thank you in advance

Hello and Welcome

Regarding your SAR You will be surprised how liitle information that they will actually give you. They only give you what they want you to know. I would recommend that you ask for everything, even thought it may be a truckload, all information is required and a lot of homework on you part will be needed.

The SAR is a legal requirement under the DPA and when you send the £10 fee that is required, they enter into a statuatory duty to provide all information they hold on you. The have 40days to comply with your request and if they don't they break the law.

If you just ask for certain information without a sar, they can ignore you and you will not get anything or if they do respond it may be in the year blah.

Maybe send this sort of SAR
your address

their address

14th January, 2007

DATA PROTECTION ACT 1998
Subject access request


Dear Sir/Madam
Your Name
Account no

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts
Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.
- A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organization.
-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
I enclose a cheque in the sum of £10 to cover your fee.
IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.
I look forward to hearing from you in the first instance of receipt.
Yours faithfully

Originally Posted by mimi24

Thanks a lot,hellhasnofury,
I would never have written such a detailed request on my own. I sent it today by recorded delivery( signed and dated cheque enclosed), and all that's left now is to wait for their response. I hope they will not leave it till the 40th day to reply; i am so impatient to get the whole thing done and over with.
I will keep you guys posted on any developments.
In the meantime, i will start working on my letter of complaint.

Hello,

You are more than welcome,

Be patient, it won't happen overnight, If you need help with letters to ask for a refund , give me a shout. just don't jump the gun

Softly softly catch the money