Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Have today recieved my first respone from lloydstsb, sent the very day they recieved my prelim approach letter it reads as follows:
I am just writing to let you know that we've recieved your complaint and to say how sorry I am to learn that you're unhappy with us.
You have my assurance that one of our assistant managers will investigate the concerns you have raised with us -this may take a little while but I would expect our enquiries to be complete within the coming 2 weeks. We will then be able to respond in full to your complaint and at that stage, I hope, resolve matters between us.
In case you haven'y received a copy of our leaflet called "How to voice your concerns" I've enclosed one with my letter. This tells you all you need to know about resolving your complaint.
Yours sincerely
I hope they respond with in the next 9 days otherwise I shall be sending them a lba letter.
Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Lloyds TSB defence received along with allocation questionaire.
Also wrote following letter to my branch of Lloyds TSB:
ACCOUNT NUMBER: xxxxxxxx
Dear Sir
With reference to the above numbered account held at your branch, please supply me with a copy of my signed contract relating to this account.
I am sure that you are aware that the bank has a legal obligation under the Financial Services Act to provide its customers with copies of any transaction concerning their account, which includes the original contract that opened the account, and that it is a breach of the Financial Services Act to refuse any such request from the account holder.
I look forward to receiving the copy of my signed contract in due course.
Yours sincerely
Today I recieved a telephone call from the bank stating that they could not provide me with a copy as requested because they only keep the document for 8 years and as my account is over 20 years old it had long gone.
Any news dj59? I think we're ona similar timeline
Saj x
SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk...loyds-tsb.html
Data Protection Act letter sent recorded delivery 15.5.06
Compliance 1.06.06
PAR letter sent recorded delivery 7.06.06
1st denial received 13/6/06
LBA letter sent recorded delivery 21.06.06 (received 22/6)
Moneyclaim filed 7/7/06, Served 15/7/06
Allocation questionaire returned 28/8/06
Court date 1st December SETTLED UNCONDITIONALLY IN FULL 5.10.06
My aq was submitted in person on 21/8/06, not had a copy of banks AQ. Spoke to the Court last Thursday who told me that the claim was with the District Judge and that I should hear something this week.
SEE MY THREAD HERE...http://www.consumeractiongroup.co.uk...loyds-tsb.html
Data Protection Act letter sent recorded delivery 15.5.06
Compliance 1.06.06
PAR letter sent recorded delivery 7.06.06
1st denial received 13/6/06
LBA letter sent recorded delivery 21.06.06 (received 22/6)
Moneyclaim filed 7/7/06, Served 15/7/06
Allocation questionaire returned 28/8/06
Court date 1st December SETTLED UNCONDITIONALLY IN FULL 5.10.06